NRA Group, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/15/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30344
Web
I HAVE ASKED MULTIPLE TIMES FOR THIS DEBT TO BE VERIFIED WITH NOT JUST AN ITEMIZED BILL BECAUSE THAT STILL DOES NOT VALIDATE THAT I OWE THIS DEBT. WHERE IS MY SIGNATURE STATING I AGREED TO PAY THIS DEBT OR OWE TO THE COMPANY YOU OBTAINED THIS DEBT FROM. WHERE IS MY XXXX AUTHORIZATION. YOU HAVE VIOLATED MANY OF MY CONSUMER RIGHTS SUCH AS 15 USC 1692F ; UNFAIR PRACTICES ATTEMPTING TO COLLECT AN ALLEGED DEBT. 15 USC 1692F ( 1 ) ; ATTEMPTING TO COLLECT A DEBT UNAUTHORIZED BY AN AGREEMENT BETWEEN PARTIES. 15 USC 1692g ( a ) ( 4 ) CERTIFIABLE VALIDATION AND VERIFICATION OF ALLEGED DEBT. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any XXXX authorization. DELETE THIS ITEM FROM ALL MY CONSUMER REPORTS DUE TO NOT FULLU VALIDATING THIS DEBT WITH ALL REQUESTED DOCUMENTS TO PROVE I OWE SUCH DEBT. BY NOT DELETING THIS ITEM YOU ARE STATING YOU HAVE INACCURATELY REPORTED WORNG INFORMATION ON MY CONSUMER REPORTS THAT TARNISHED MY REPUTATION AND DAMAGED MY CHARACTER AND LIVELIHOOD. THIS MATTER CAN BE TAKE INTO CIVIL COURT FOR WILLFUL NON-COMPLIANCE. 1692 ( a ) - Consumer has a right to privacy. Notice, it is a fact, I, the consumer is a and have the right to privacy in accordance with 15 U.S.Code 1692 ( a ). 15 U.S.Code 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. 15 U.S.Code 1692b ( 2 ) - - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication. Notice, it is a fact, I, the consumer was told, I owed an alleged debt proven by documents attached. This is a violation of 15 U.S.Code 1692b ( 2 ). 15 U.S.Code 1692c ( a ) - - needs prior consent from either the court or the consumer before communication with the collection of any debt. Did I or a court give you permission? Notice, it is a fact, consumer did not give prior consent to communication to the debt collector, NATIONAL RECOVERY AGENCY and the consumer alleges there was no prior consent from a court giving permission to contact I, the consumer in collection of any debts and thus this communication would be NATIONAL RECEVERY AGENCY is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. 15 U.S.Code 1692c ( c ) - Notice, it is a fact, affiant is the consumer, in fact and I, the consumer am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information. 15 U.S.Code 1692d ( 2 ) - any language I deem obscene can be a violation per word. Words that are obscene language to me is obscene to me. I have been falsely accused and this is obscene to me. Notice, it is a fact, affiant is aware and has proof in Exhibit ( -- ) of NATIONAL RECOVERY AGENCY stating statement " THIS IS AN ATTEMPT TO COLLECT A DEBT '' which is language that is obscene to me causing me mental anguish and anxiety. This is a violation of 15 U.S.Code 1692d ( 2 ). 15 U.S.Code 1692d- Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and NATIONAL RECEOVERY AGENC Y does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. NATIONAL RECOVERY AGENCY has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d. 15 U.S.Code 1692e ( 2 ) - - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? Notice, it is a fact, consumer is aware, the false character of the amount of any debt is a violation of 15 U.S.Code {$160.00} 2e ( 2 ) ( A ). Consumer has proof of this violation as NATIONAL RECOVERY AGENCY allege I, the consumer, owes a debt but the alleged debt is shown in the positive amount, as seen in documents uploaded. 15 U.S.Code 1692e ( 12 ) - Notice, it is a fact, consumer has reason to be believe and do so believes, NATIONAL RECOVERY AGENCY in accordance to Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). 15 U.S.Code 1692f ( 8 ) - No symbols are allowed within or outside other than the company 's own name in the attempt to collect any debt. Notice it is a fact, affiant is aware and has proof in documents uploaded of NATIONAL RECOEVERY AGENCY being in violation of 15 U.S.Code 1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debts. 15 U.S.Code 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. I, the consumer, have sent a notice of dispute on the validity of this alleged debt to NATIONAL RECOVERY AGENCY. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Consumer has proof in this debt collector not only did not remove the account, NATIONAL RECOVERY AGENCY did not report a notice of dispute. This is a direct violation of 15 U.S.Code 1692g ( b ). DELETE ASAP!!!
01/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70072
Web
This involves a debt that NEVER existed, and was a result of a computer crash at a hospital I was treated at more than 5 years ago ( XXXX XXXX ). It has been undeniably proven to be a mistake, but has been resold to a total of three collection agencies over these past years. I spoke to the hospital, shortly after discovering the mistake, and they informed me about the crash and resulting error. They said it was soon corrected and my account was noted as a XXXX balance. But the debt had evidently already been automatically sent ( before the correction ) to collections via the same computer system that crashed. I have since requested assistance from the hospital with this matter, but they stated that once the faulty system sent ( or sold, I presume ) the ( incorrect ) information to the first collection agency, it became the property of that agency, and the hospital could no longer control it, or retract it. As I said, three different collection agencies have harassed me over the ensuing years and have tried to get me to pay them for this non-existent debt. Then when the first two could not refute the evidence I supplied to them, and they realized I would not pay for something I did not owe, they evidently sold the " non-debt '' to another unsuspecting ( yet unscrupulous ) collection agency. Then the nightmare starts all over again for me. These agencies have all KNOWINGLY sold a " non-existent debt '' AFTER they had received written verifiable documentation from me that the money was not owed. I am attaching all of the letters I have written to the two previous collections agencies, as well as the letter I wrote to the current collection agency, along with proof of payment for this service from my insurance company. Documents, all of which I have provided to all of them. These agencies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and currently National Recovery Agency ( aka- NRA Group , LLC ), XXXXXXXX XXXX XXXX XXXX I filed a complaint with you ( CFPB ) on XX/XX/XXXX based on the most recent collection agencys actions ( National Recovery Agency, aka-NRA Group , LLC ). They responded to you. But have not yet responded to me, other than to acknowledge that they received the information I sent to them. Their response to you is non-sensical, and seems to be saying ( in very vague terms ), that this non-existent debt will be forwarded to, or returned to another collection agency that they refer to as their client. Though they did not say WHO THEIR CLIENT IS! Here is the response to you from their representative : NRA Group , LLC is in receipt of the consumer 's complaint. As indicated in the above complaint, the consumer reached out to us directly on XX/XX/XXXX and we have had amicable conversations surrounding resolution. We reached out to our client on XX/XX/XXXX regarding the matter. We have ceased our credit reporting on these accounts as well. NRA Group , LLC does disagree with one aspect of the consumer 's complaint. We did send a letter to the consumer back on XX/XX/XXXX, and have not received any information indicating the letter was not delivered. Nevertheless, based on the records obtained from the consumer, we are closing the account and returning it to our client. We do not own this debt, but were assigned it by our client. While we will certainly be passing all of this information back to our client, what they choose to do once we close the account is up to them and is beyond our control. Sincerely, XXXX XXXX XXXX, XXXX. Chief Compliance XXXX NRA Group , LLC And this is my rebuttal addressing their NON-SENSICAL run-around response : National Recovery Agencys ( aka- NRA Group , LLC ) response to my complaint is obviously a halfhearted attempt to only satisfy this complaint with the CFPB for the reasons listed below : 1. ) The ONLY thing their representative, XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX NRA Group , LLC ), disagreed with my complaint about, was that they " sent me a letter on XX/XX/XXXX, and have not received any information indicating the letter was not delivered. First of all, that doesn't make any sense, nor does it mean ANYTHING! AND, in addition, this is completely untrue, as well as misleading. They DID NOT send me a letter on XX/XX/XXXX. Secondly, the first and only correspondence I received from them was on XX/XX/XXXX, ( which was dated XX/XX/XXXX ). It was met with my swift response shortly after the holidays on ( XX/XX/XXXX ), which was well ahead of their requested response deadline of XX/XX/XXXX. ( I will submit a copy of that letter as proof. ) Therefore, it appears that XXXX XXXX is making a ( very poor ) attempt at deflection from the real problem at hand. I wonder if he gets paid by the word?! 2. ) XXXX XXXX said that we have since had amicable conversations surrounding resolution with me. This is a complete LIE! They sent me an email that stated they received my dispute, and were going to look into it. To which I replied, acknowledging their email. This does not constitute amicable conversations surrounding resolution. In fact, I have not heard from National Recovery Agency ( aka - NRA Group , LLC ) since then. If I had not checked the status of my complaint through the CFPBs website, I would never have known about his/their response to you. 3. ) Their response does not satisfy their false accusation, or attempt to collect monies that are not owed, in the least! XXXX XXXX references " their client '' four times in his response to you, but does NOT EVER NAME THE CLIENT! Then he goes on to say that NRA Group " does not own this debt ''. If this is the case, then how in the heck, does he/NRA Group have the right to report a bad debt owed to National Recovery Agency on my credit report? Can anyone and everyone just randomly trash someone's reputation without having the legal authority ( via ownership of the debt ) to do so?! This is absolutely CRAZY! 4. ) Along with referring to " their ( unnamed/unidentified ) client '', he also states, that they are returning it { the debt } to our client, and that " what they { their client } choose to do once we close the account is up to them and is beyond our control. This is obviously a " not so vague '' way of implying that, this " non-debt '' may ( will probably ) be resold ( for the 4th time ) to yet another unscrupulous collection agency. Then my nightmare will start all over again! 5. ) If NRA Group, LLC/National Recovery Agency does not own this debt, then he/they should be obligated to provide the name and contact information of who does. Dont you agree?! Otherwise, how can I defend myself? I suppose XXXX XXXX expects me to sit back and wait for another NON-OWNER of the nonexistent debt to harass and falsely accuse me again. This has to stop! This medical service was rendered to me in XXXX, ( OVER 5 YEARS AGO ) and paid in full immediately after my insurance was billed for it. I have provided UNDENIABLE PROOF of this to all three collection agencies. And to date, the first two have closed the account, but then turned around and sold it to another agency, as though it is a legitimate debt. Please advise me as to what further steps I can take to stop this ridiculous and seemingly illegal and extremely time-consuming nightmare. In the meantime, I will definitely be contacting my attorney.
09/27/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17522
Web
I received a phone call from National Recovery Agency on XX/XX/XXXX. I did not answer and they left a voicemail. They did not leave any information except they were a debt collector and calling about a debt. On XX/XX/XXXX I contacted their live chat to see if I could email then and gather contact information. They verified my information and provided a member number I could use to reference my account when emailing or mailing them. Also On XX/XX/XXXX, I emailed XXXX asking for information about the debt because at this point they had provided no information about the debt besides trying to reach me by phone and having talked to them on live chat. I asked for information about who the current creditor was, the original creditor, amount owed, verification and documentation this debt was mine including a copy of the last billing statement, amount owed and when the debt was obtained, when it became due and delinquent, any charges, adjustments, payments, etc. made to the account and date of last payment On XX/XX/XXXX I received a written letter from XXXX on that included an outdated statement of charges from the original creditor and a letter saying they were providing the information I requested. This was almost a month after my first contact with them. At this point I did not receive a debt validation letter. The letter and statement I received did not include any information about that I could dispute the debt within 30 days, that if I disputed they would obtain verification of the debt or could request the original creditor 's name. Besides the amount owed and name of the creditor no other information from section 809. Validation of debts of the Fair Debt Collection Practices Act was included. The billing statement was outdated and only included charges that were not reflected in my latest billing statements and did not reflect any payments or charges that have happened to the account since XX/XX/XXXX even though I had recent statements in XXXX showing different charges and payments then this statement. Also on XX/XX/XXXX I replied with another email making the same request for the following information : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. At this time I do not believe the debt to be legitimate as the amount owed is not accurate and does not reflect any payments and other charges made to the account and National Recovery Agency has provided no further details proving the debt was valid and I expressed this to them. I pointed out how their statement was not accurate with the original creditor and there was no record of the debt being sold off or adjusted out of my account balance or past due amounts showing with the original creditor. I again asked for another statement showing all payments, charges, etc. so I could verify the debt was legitimate and this was not a mistake. Up to this date I have been letting them know I am disputing this debt as I have no proof it is legitimate. On XX/XX/XXXX I received an email back from a National Recovery Agency representative that they are collecting on behalf of the original creditor and are only required to provide a validation notice ( which I still have not received at this point, but they acknowledge they are required to send it ). They also stated they are only required to send a copy of the bill to verify why the client was sent to collections. This National Recovery Agency employee did not acknowledge that the copy of the bill they already sent me was outdated and not current. They also did not acknowledge my request to verify the debt is valid after the initial statement they sent was pointed out of being inaccurate and outdated. The employee said they are required to send nothing more. They also stated that if I have proof to validate my dispute I need to send it to them for them to discuss with the original creditor and remove me from collections. They ended the email saying my account is marked as disputed, they have ceased all communications going forward and my account will remain open and active. At this time I don't believe National Recovery Agency has satisfied section 809. Validation of debts ( b ) of the Fair Debt Collection Practices Act as I have disputed the debt and disputed that they have an accurate amount for the debt and instead they have turned it around and asked me to provide proof that my dispute is valid. I do not believe sending an old and outdated billing statement that does not reflect current balance, additional charges or any adjustments showing this amount was removed from the original statement and sent to collections is a proper validation and verification of this debt. At this time National Recovery Agency knows I am disputing the amount of the debt due to comparison of the claimed amount I owe to the current statement of the original creditor and that the debt going to them is valid at all, but they refuse to provide proof that this amount is valid beyond the initial statement of charges that is months out of date at this point. They have also decided to say they are ceasing all communication going forward while I am continuing to try to get proof from them this debt is valid. I would like to validate the debt and pay it if it is valid, but get it closed if it is not instead of leaving my account open and active with no communication from them. On XX/XX/XXXX I followed up with an email again sending a copy of my current statement from the original creditor and stated that this statement shows the amount National Recovery Agency is saying I owe is inaccurate and I am on a payment plan for any debt to the original creditor. I also stated I would not dispute the debt and would pay it if the debt was on statements from the original creditor since they are collecting on their behalf showing that I owe this amount and that it was past due. I also once again requested a full statement showing all payments, charges, fees, adjustments, etc. to validate and verify this debt. I also asked if it would be possible to work with the original creditor only.
11/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 105XX
Web
XXXX is incorrectly reporting a collection from XXXX XXXX XXXX for {$900.00} relating to a matter with XXXX XXXX. This was disputed with XXXX and they have failed to investigate and determine that the collection is legitimate, that it belongs to me, and that the creditor and collection agency 's claims are bona fide. This collection is a response to a consumer dispute between my girlfriend and XXXX XXXX. This does not belong to me, and the underlying consumer contract with XXXX XXXX is not in my name. Relevant background to dispute with XXXX XXXX : * My girlfriend at the time placed an order with XXXX around XXXX XXXX, XXXX for ( 1 ) wall to wall carpeting of 2 rooms, ( 2 ) installation of a hall runner carpet, and ( 3 ) installation of window treatments in 2 rooms. * Order total was {$3900.00} and a {$3000.00} deposit was charged to her credit card on XXXX XXXX, XXXX XXXX XXXX made appointments to install the hall runner carpet on 3 occasions. On each occasion, she had to skip work and wait half to a full day for XXXX 's reps to arrive. On each occasion, XXXX 's reps did not have the required carpets and/or tools to install the agreed and contracted hall runner. * The only services XXXX performed regarding the hall runner was to place masking tape border/edge marks around the hallways of the house where the carpet was to be installed. * On XXXX XXXX XXXX, the final occasion XXXX arrived at the house to install the hall runner, XXXX demanded a {$900.00} payment on the account before they would proceed. * It was expressly noted and agreed upon that the {$900.00} payment was specifically for the installation of the hall runner carpet. XXXX This {$900.00} was paid using a check from my check book, even though the agreement ( and all paperwork, contracts and communication ) were between my girlfriend and XXXX, and the contract was in my girlfriend 's name. * After the {$900.00} was paid, the representative from XXXX informed my girlfriend ( for the 3rd occasion ) that he did not have the required carpets and/or tools, and that the agreed upon hall runner could not be installed that day. * This was the third time this same scenario had played out ( XXXX arrived, she lost half a day of work waiting for them, and they did n't have the required goods after having rescheduled for the same reason ). At this point, my girlfriend became very suspicious of XXXX and formed the belief that they were in fact unable to install these carpets and that this job was too specialized and/or complex for them, but they had misrepresented their product suite , and agreed to it anyway, so that they could secure the most lucrative elements of the order ( i.e. the window treatments ), with the knowledge they could not complete this element of the agreement. * Immediately after the facts in Para 7, she informed XXXX 's representative that she was cancelling the order immediately, that she would demand a refund, and that she reserved the right to contact the Better Business Bureau and file online reviews about their conduct. She specifically instructed them not to cash/bank the check as the order was procured fraudulently ( demand of " cash on delivery '' for goods the representative did not have in his truck ). My girlfriend told the representative that the check would be stopped as a security measure, as she did not trust the representative 's promise to not cash it and fully cancel the order. She asked XXXX 's employee to leave the property. * Note that in XXXX 's own accounting ( which is provided in the appended emails ), they specifically noted the {$900.00} payment as " cash on delivery '' payment, as was the preceding {$3000.00}. It is quite clear that " cash on delivery '' requires " cash '' and " delivery '' -- in this case there was no " delivery '' and " cash on delivery '' had been demanded, even though the XXXX representative knew he did not have the goods to deliver. * As nothing had been delivered after the {$900.00} cash on delivery payment was made, I suspected fraud and called XXXX XXXX to stop payment on the check. Representatives at XXXX XXXX XXXX were made aware of all these facts, the circumstances of the check and XXXX 's actions, and they agreed that I should stop payment and that they would pursue all measures they could to recover my money. XXXX XXXX banked/cashed the check 3 days later on XXXX, and the {$900.00} was debited from my account. XXXX After my girlfriend cancelled her contract with XXXX, they refunded her credit card {$1700.00} on XXXX. Prior collection activity : XXXX The company that XXXX used to cash the check and pay them then filed a collection with XXXX XXXX XXXX XXXX * Even though the underlying contract was in my girlfriend 's name and all communication to that point was with her, I received a notice of collection ( in appended email ) from Complete Payment Recovery around XXXX XXXX XXXX demanding payment of {$900.00} * I initiated contact with XXXX XXXX customer service department to resolve the collection as it had been made very clear to them that the check was stopped as XXXX did n't trust them not to bank it after they were fired from the job at the house. At this point, after repeated communication, they stonewalled around the collection and attempted to pass it off as a matter between the check company and me, as opposed to a matter between my girlfriend and them, and refused to acknowledge they took cash for a delivery as part of a " cash on delivery '' arrangement, with knowledge they did not have the goods to deliver. * Even though the dispute should be between the company that cashed the check and with XXXX, they pursued me. * I disputed this collection with XXXX XXXX XXXX XXXX and informed them of the facts, and that the contract that underlay the alleged debt was between XXXX XXXX and my girlfriend, not between XXXX XXXX and me. XXXX XXXX XXXX XXXX dropped the matter, ceased mailing me, and did not make any notation on my credit report. Recent collection activity : * I noted in XXXX that XXXX XXXX XXXX filed a collection on my credit report regarding an alleged {$900.00} debt to XXXX XXXX XXXX. * The facts related to that {$900.00} are set out above, and I vigorously deny any underlying debt or contract between XXXX and me. XXXX XXXX XXXX has not sent any letters about this matter, and has not contacted or attempted to contact me in any way. * I suspect XXXX XXXX is using frivolous and baseless filings with the credit reporting agencies as a fraudulent attempt to solicit a payment from me on a note they know or should have known has no basis.
12/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91303
Web
I reached out to XXXX XX/XX/21 and XX/XX/21 to inform them a. That the National Recovery Agency account that they have listed is not valid and to request how they've determined the validity of this account. I'm now filing a complaint because XXXX continues to infringe on my consumer laws and is in violation of federal laws. I continue to ask for PROOF of how they continue to keep this invalid account on my report and how they are validating it. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I'm required to know how they've validated the account whichXXXX has not provided me the requested info. Here is the law that specifically states I'm required to receive the information that XXXX has received to prove the account is valid. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or areseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from theconsumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). *Here 's the exact law. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from theconsumer for that description. ( 8 ) Expedited dispute resolution If a disp ute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. I never gave anyone the authorization to add anything to my credit report. Nor do I have knowledge of this account. Due to permissible purposes and according to FCRA 15 U.S. Code 1681b ( 2 ) t hey have no rights by law to place anything on my credit report. And. are in violation of my rights. Each violation is fined by {$1000.00}. Unless these items are corrected, I will be pursuing financial remedy. I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy.
11/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19124
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX RECOVER & {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
04/02/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you instead of your attorney
  • AZ
  • 856XX
Web
The debt collection agency had a letter from my lawyer to hold my debt because my case was pending for a car accident for XX/XX/XXXX the original accountowner who placed my account in collections first maricopa XXXX XXXX had received the same notice for me verbally and they told me that they would hold collections every six months XXXX would tell me that shes going to push my account back and reset the system not to prompt my account to go into collections until she knew that my case has been resolved well its XXXX and the case just was resolved two weeks ago. When I tracked down who was in charge of my bill after my lawyers office told me they could not get in touch with who was managing my account now as it was in collections they were given different agencies so they sent multiple letters for the last five years to the different debt collection agencies and these debt collection agencies still was reporting the debt to my credit which have been impacting my credit accumulatively since XXXX I reached out to the agency in question two weeks ago i communicated I wanted to settle the account and I told them that the amount that they wanted was too high I wanted toNegotiate a settlement amount of {$300.00} because XXXX ambulance had gotten a payment from my insurance company back in XXXX I no longer have that insurance provider when I told him I wanted to negotiate a lower amount they told me that another company had management over it name XXXX. I called XXXX prior to calling the NRA XXXX Is the company who actually told me that XXXX now had my debt. They told me that the NRA debt collection agency is home I need to speak to you directly. I spoke to XXXX at the NRA and he was rude and had disconnected the call on the line I did not raise my voice at him I did not provoke him to behave that way but he wanted to be like that for no apparent reason I called back since XXXX told me too and ask for a manager the person put me on hold and gave me XXXX again who was still rude I called XXXX back again and they connected the car on a three-way call with the NRA and they asked for a manager and the person lied and said they were a manager they hung up the phone and I was now on the line with the NRA agent who told me that her manager was standing next to her telling me I had to pay a higher price than the {$300.00} settlement that I said I would pay I later found out his name is XXXX XXXX told me that he was going to directly contact XXXX because they were wrong about being the account manager and then he would get back to me about my account he didnt have a timeframe but while I was on the call I realize that they have been reporting things to my credit because he said when I pay off the debt theres submit a letter to my credit report and I was thinking there shouldnt be a letter that needs to be presented to the credit report because I never shouldve been in collections in the first place because all parties received a letter from my lawyer even when I called NRA they still had my lawyers address on file as a point of contact.This is why I am filing the complaint everyone knew it was a medical bill everyone knew that my lawyer was the oversee year of my medical bill and when my lawyer tried to contact NRA they gave them the run around just like they gave me by telling them to go back to XXXX back-and-forth back-and-forth Will be submitting individual complaints for all the debt collection agencies who received a letter from my lawyer stating I had a pending case because the point of this letter is to be compliant with the federal credit reporting act to let billing companies know that they would get a deferred payment on a undisclosed day when the case is one and they still have been impacting my credit I got another notification from XXXX today that I have a debt collection only this company who spoke to me only a week and two weeks ago is harming my credit they already spoke to me they already know that Im supposed to be negotiating a settlement it does not make any sense that they would still beHitting my credit with a notification it is deliberate because they are in touch with me I have given them my updated address and phone number and email address and they are still reporting me to the credit bureau when a supervisor. Said he would help me with settling in the account at this point it shouldnt be in anybodys queue to be reporting my bill to a credit bureau. They had just became the newest debt firm.only In XXXX so the letter from the lawyer was sent to XXXX XXXX. But NRA told me they were under contract by XXXX.
01/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 112XX
Web
The company National Recovery Agency have reported an alleged debt to my consumer report during covid XXXX without my written consent. I have no knowledge of this account. They have no written consent to possess my non-public private personal information and I also have no contract with National Recovery Agency because they are a third party non- affiliated company. I have requested validation and all original billing history of the alleged debt along with forms authorized by me to even work with them. I have also demanded they cease and desist all collection of said debt if they couldnt provide such documentation, and I was ignored. 15 USC 6809- ( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution. They have also violated ALL but in particular, ( since this account is reporting as a charge off ) XXXX CRR-NY XXXX b ) A debt collector must provide the consumer written substantiation of a charged-off debt within 60 days of receiving a request for substantiation of the debt and must cease collection of the debt until written substantiation has been provided to the consumer. A debt collector must substantiate a charged-off debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt. They have used my non -public personal information and furnished it to the consumer reporting agencies ( XXXX and XXXX ) who have furnished it on my consumer report under on an unknown account damaging my credit worthiness, my character and my mode of living. Regardless if I am a XXXX consumer I have the same rights as anyone else. This has caused me to seek more XXXX XXXX because It has caused me XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX. I have records of all the reports from the consumer reporting agencies and ALL my medical records. I will seek monetary damages for physical and the mental damage that these companies have caused me. This collection company, XXXX National Recovery Agency ) does not even operate their business in the same state as my abode. According to XXXX they are not to state I OWE ANY DEBT.. According to : 15 USC 1692b-Acquisition of location information ( 2 ) NOT state that such consumer owes any debt. ( n ) State. The term State means any State, the XXXX of XXXX XXXX, the XXXX XXXX XXXX, and any territory or possession of the United States. I have never given this collection company any written consent or permission verbally, via email nor through any tele-communications to furnish my data or possess it. 15 USC 1692c- Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector This is a violation of 18 USC 1028 A- ( A ) ( 1 ) AGGRAVATED IDENTITY THEFT In general : whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. This agency has compiled deceptive forms using my non-public personal information slandering my character for their financial gain and I dont even know who these people are. Then when I requested documentation I was ignored. National Recovery Agency is operating unethically. 15 USC 1692j- 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 1692k- Civil liability ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
03/29/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • 199XX
Web
XX/XX/XXXX To Consumer Financial Protection Bureau Federal Trade Commission State Attorney General of Delaware RE : # XXXX - {$140.00} National Recovery Agency Please be aware that I am filing a complaint due to the violation of the FDPCA laws. A payment was made directly to XXXX XXXX XXXX in the amount of {$110.00} on XX/XX/XXXX and the balance of {$35.00} was paid directly to XXXX XXXX XXXX office. I have attempted several times to get National Recovery to delete the negative credit reporting even though proof of payment has been provided to them. I have contacted XXXX XXXX XXXX as well and have never received a call back. My doctors office has also attempted to intervene with no success as they any longer deal with XXXX XXXX XXXX in regards to their billings. In XX/XX/XXXX I had spoken to a XXXX at NRA and sent him the copy of the bank statement and verified that he received it. At that he reassured me that this will be taken care of, three years later they are still reporting it on my credit file for all three bureaus. I have called them several times and always end up requesting a supervisor which has proven to be pointless. So on XX/XX/XXXX I received my XXXX XXXX report and there they are like a red light special on a cold summer night still reporting the {$140.00}. So I called and the first representative disconnected the call stating that their department could not match the amounts off to what was owed so if I sent you proof of payment {$110.00} minus {$140.00} which the actual statement included is {$140.00} that leaves a balance of {$35.00} which again was paid to the doctors office directly. So the credit reports have never been updated not even reflecting a payment which means no one at this agency is doing their job. So I placed a second call again after the first representative hung up on me and asked for a supervisor, the call was taken by a Mr. XXXX who then proceeds to tell me that he can not advise me on what documentation is needed and to send in what I feel is helpful. REALLY!!! He then proceeded to tell me that XXXX XXXX XXXX has never contacted them to verify anything so I than became upset and said that is your job to do not theirs if I have provided you with documentation you should take the stance to verify with the company that paid you to collect on this debt rather than telling me so said to bad it is not our problem. So as I become more upset I was then told by Mr. XXXX that I can vent and get upset or send any documents that I feel will help. So at one point the line become silent which means he placed me on MUTE so at some point I became quiet and Mr. XXXX most have assumed that I was off the phone and he began to spoke to the rep that transferred the call not knowing that I was still on the phone listening to every word he said. He began to tell the rep that the department that looked at the documentation stated that the amounts do not match again in the early part of this letter I did state that the {$35.00} was for a no show charge and was paid directly to the doctors office but thats not even the issue it is crazy how they never updated the bureaus at all and we are now in XX/XX/XXXX. So I stayed on the line and Mr. XXXX than proceeded to say to the rep the consumer which is me does not believe that they have contacted the client which again they did not!!! So he then makes an amazing statement which is why I truly believe these collection companies think they have XXXX hands to ruin someones credit his statement was I dont believe them any way when they are talking WOW so I than began to speak and I said Thank you for that statement Mr. XXXX now I am going to hand you youre XXXX XXXX XXXX!! Because I have proof that this account is paid in Full. So I am looking to do the following : 1. Get this negative credit reporting removed from my credit file 2. Seek damages for them violating the FDPCA law 3. Make NRA aware that they have reps and team leaders that dont believe a consumer has paid off a debt and has given them sufficient documentation to prove such. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX De XXXX I am providing all necessary documentation to your agencies as well. b/c National Recovery Agency
01/05/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38109
Web
I have already sent this company a letter to validate this claim that I have any contract with them. The company did not provide any information staying that I have any contract with them. So they has deleted this account from my consumer report. Also this company has many names that go by trying to be confusing to consumers that wrote me again try to collect on a debt that I do not owe to them. They are breaking the laws of the CFPB/FTC I have a right to privacy as well as a consumer. I also sent the a cease and desist letter and they still decided to break the laws by contacting me about debt I do not owe them l have no contract with them I will sue them if they decide to keep this up it's a XXXX per volition. I will go to small clams court and get XXXX. Acct # XXXX To Whom It May Concern : NTL RECOVERY AGENCY FIRST OFF YOU NEVER SENT ME A LETTER SO I CAN DISPUTE THIS DEBT WITH YOU SO THATS YOUR FIRST VIOLATION ITS up to a XXXX per violation and I'm coming for you. This letter is being sent Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. Please attach copies of : Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports. I require compliance with the terms and conditions of this letter within XXXX issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserved the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of [ name your state ] medical privacy rules. I also, hereby, reserve my right to take private civil action against you to recover damages. XXXX XXXX XXXX
03/08/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 296XX
Web
In XXXX XXXX, I received a letter from National Recovery Agency ( NRA ) about my debt. I was unaware of the matter so I called and asked for the bill. I attempted to track down the company which I was indebted to : XXXX XXXX of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( an address I have never gone to ). The company was actually sold to another company called XXXX XXXX XXXX of XXXX I believe in XXXX. I contacted XXXX XXXX at XXXX XXXX XXXX XXXX. They stated that they have no past dues for me. I had visited their office more recently and paid in full for the services they rendered, but they stated that from the records they received from XXXX XXXX of XXXX, it does not show that I have a balance due with them. Knowing that the collections was from my car accident which occurred in XXXX, I contacted my attorney. He assured me that these bills totaling {$320.00} were paid in full upon settling my lawsuit and forwarded me a copy of the check addressed to XXXX XXXX of XXXX dated XXXX/XXXX/XXXX in the amount of {$320.00}, cashed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I contacted NRA and told them it was paid and that I have proof. They stated that I would need to submit a " Dispute letter '' and provided me an address of XXXX. XXXX XXXX, XXXX, PA XXXX to send it to. I sent the letter that day. On XXXX/XXXX/XXXX, having not heard from them about the dispute, I called them again. They stated that they have not received the letter and have no record of me calling in XXXX. I asked for an email address and told her that I will send the letter via email and USPS mail. She provided the email address of XXXX. That same day, I emailed it at XXXX and mailed the hard copy on XXXX/XXXX/XXXX. Still having not heard from them, I emailed again on XXXX/XXXX/XXXX XXXX. I never received a reply. On XXXX/XXXX/XXXX, I called and spoke with a manager. She stated that they only received my dispute letter on XXXX/XXXX/XXXX and that the process takes 30 days to resolve. I asked what happens after the 30 days, and she advised me that if the client does n't respond, they will close it out and my credit will be restored. She stated that they have n't received a reply from their client, so they will resend everything to them. I told her that I will call back on XXXX/XXXX/XXXX to get an update on it. On XXXX/XXXX/XXXX, I called and spoke to a manager named XXXX. He pulled up my account and stated that I now have XXXX invoices and somehow my account was duplicated, but they closed out XXXX of them. I advised him of how long I have been waiting and of my history with trying to get this resolved. He stated that they will resend everything to the client. I told him no, and that I was told that within 30 days if the client does n't respond, they will close it out and my credit will be restored. He stated that he ca n't do anything but send it to another department to review. I strongly disagreed, but he said I would receive a call back within 2 days. I told him that I have never gotten a call back and that I did n't think it would happen, but that I will call back in a few days if no one contacts me. On XXXX/XXXX/XXXX I called and spoke to XXXX again. This time he told me that I still have the balance and that the XXXX duplicated accounts were closed. I began to get irritated as he told me that he has to send it away for review again. I told him that I 'm sick of getting " the run-around ''. He became very rude and arrogant with me stating that he 's only been handling this for 5 days and that I need to be patient. He said that I am expecting this to be fixed over night and I am not the only person in the world. Needless to say, I told him if they do n't resolve this there could be legal action and he said that I am threatening him. I told him that I paid this off and it needs to be closed out. He got nasty with me at the end and I hung up with him. They will not close out my debt.
08/16/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30165
Web
XXXX XXXX National Recovery Agency Date : XX/XX/XXXX Re : Acct # To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
04/07/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IA
  • 52240
Web
I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against NLT RECOVERY AGENCY ACCT # XXXX. I reject your offer to contract I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( NLT RECOVERY AGENCY ACCT # XXXX ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT and the FAIR TRADE COMMISION THE ( FTC ) CONSIDERS a CONSUMER 'S PRIVACY PROTECTION VERY CRITICAL. I never gave my permission ( TO NTL RECOVERY AGENCY ACCT # XXXX ) USE OF ANY of my Identifying information to commit fraud by putting this FALSE, ALLEDGED AND VERY DAMAGING DEBT on my consumer report. This is a notice to CEASE AND DESIST ALL illegal activity and communications with me and the furnishing of this false credit information on my consumer report which is considered communication and illegal activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By reporting this on my consumer report this alleged debt SOLD BY XXXX XXXX XXXX XXXX XXXX OF MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( NLT RECOVERY AGENCY # XXXX ). I now have reason to believe that you are ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN US ( NLT RECOVERY AGENCY ACCT # XXXX ) THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU ( NLT RECOVERY AGENCY ). THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. YOU ARE IN VIOLATION OF THE FAIR TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY NLT RECOVERY AGENCY REPORTINGTHIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT. I WAS DENIED A EXTENSION OF CREDIT FOR HAVING A COLLECTION ACCOUNT ON MY CONSUMER REPORT NOW DUE TO YOUR FALSE CLAIM NLT RECOVERY AGENCY YOU ARE RESPONSIBLE AND YOU PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT WHICH NOW ALSO PUTS YOU IN VIOLATION OF THE FAIR TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY " NLT RECOVERY AGENCY '' FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE HURTING AND DAMAGING MY REPUTATION. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH NLT RECOVERY AGENCY NOR DO I DESIRE TO. IMMEDIATELY DELETE THE FALSE ALLEDGED DEBT ON MY CONSUMER REPORT. BE ADVISED UNDER 15 USC 1692K I AM TO BE AWARDED {$1000.00} PER VIOLATION FINDINGS AND I AM POINTING OUT A FOUND FDCPA VIOLATION RIGHT NOW. I DEMAND MY DUE DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} COMPENSATION TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. BE ADVISED I AM AWARDED THIS DUE TO YOUR FDCPA VIOLATION. DELETE THIS ALLEDGED DEBT FROM OFF MY CONSUMER REPORT IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.T.C AND F.D.C.P.A AND FEDERAL LAW SUPERCEDES AN ALLEDGED DEBT BY A THIRD PARTY DEBT COLLECTOR DELETE THIS ALLEDGED DEBT NOW. AND SEND MY CIVIL AWARD COMPENSATION WHICH I AM DUE IMMEDIATELY DUE TO YOUR FDCPA VIOLATION OF 15 USC 1692D.
12/29/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33803
Web
Be advised that I hereby dispute the validity of the alleged debt listed above entirely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and GROSS MISREPRESENTATION. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have XXXX calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per GAAP . 2. Verification of your claim against me. A signed invoice or sworn affidavit. XXXX. A copy of the contract binding both parties XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration brought nothing of value to the table and had nothing to lose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Law terms and conditions were based on fraud! XXXX. The wet ink signature of both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( FDC PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. Within 10 calendar days after receipt of a notice, shall return any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, XXXX and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. XXXX, 98 us 61, at pg.65 ]. It would be unjust to allow XXXX who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, 43 Wis 2d 166.
04/02/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • 199XX
Web
XX/XX/XXXX XXXX XXXX - Update To Consumer Financial Protection Bureau Federal Trade Commission State Attorney General of Delaware RE : # XXXX - {$140.00} National Recovery Agency Update on XX/XX/XXXX @ XXXX I placed a call to National Recovery Agency and spoke to a XXXX who placed me on hold and came back to advise me that no one there will discuss the above account which is on my credit unless I send them a letter stating that I do not have an attorney because now my account is in attorney status and no one will discuss this with me but yet your company can keep reporting a balance that has been paid years ago to XXXX XXXX XXXX . I do have a Voice mail from a XXXX on XX/XX/XXXX @ XXXX who is in the billing department for XXXX XXXX XXXX stating that they have no record of me owing them anything and that my last visit was in XXXX and I have no outstanding balances with them or XXXX XXXX office. Now I received an email from the CFPB stating that the company responded to the complaint stating that I can call them if necessary to further discuss the issue at hand so I did and again I got the run around on XX/XX/XXXX and on XX/XX/XXXX. So today I spoke to XXXX at XXXX XXXX XXXX her email is XXXX and I have sent her all documentation even though I owe them nothing. So how is it that I can pick the phone up and get someone to look into this but National Recovery can not do so rather keep reporting wrong information on my credit report and now refusing to talk to me the very same person whose credit they are damaging? Please be aware that I am filing a complaint due to the violation of the FDPCA laws. A payment was made directly to XXXX XXXX XXXX in the amount of {$110.00} on XX/XX/XXXX and the balance of {$35.00} was paid directly to XXXX XXXXXXXX XXXX office. I have attempted several times to get National Recovery to delete the negative credit reporting even though proof of payment has been provided to them. I have contacted XXXX XXXX XXXX as well and have never received a call back. My doctors office has also attempted to intervene with no success as they any longer deal with XXXX XXXX XXXX in regards to their billings. In XXXX I had spoken to a XXXX at NRA and sent him the copy of the bank statement and verified that he received it. At that he reassured me that this will be taken care of, three years later they are still reporting it on my credit file for all three bureaus. I have called them several times and always end up requesting a supervisor which has proven to be pointless. So on XX/XX/XXXX I received my XXXX XXXX report and there they are like a red light special on a cold summer night still reporting the {$140.00}. So I called and the first representative disconnected the call stating that their department could not match the amounts off to what was owed so if I sent you proof of payment {$110.00} minus {$140.00} which the actual statement included is {$140.00} that leaves a balance of {$35.00} which again was paid to the doctors office directly. So the credit reports have never been updated not even reflecting a payment which means no one at this agency is doing their job. So I placed a second call again after the first representative hung up on me and asked for a supervisor, the call was taken by a Mr. XXXX who then proceeds to tell me that he can not advise me on what documentation is needed and to send in what I feel is helpful. REALLY!!! He then proceeded to tell me that XXXX XXXX XXXX has never contacted them to verify anything so I than became upset and said that is your job to do not theirs if I have provided you with documentation you should
07/13/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 225XX
Web
My name is XXXX XXXX I am writing this complaint against NATIONAL RECOVERY AGENCY, ACCOUNT # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX. I sent a certified letter to NATIONAL REC AGENCY on XX/XX/2021 they receive it on XX/XX/2021 ( letter and certified receipt is attached with this complaint ). I spoke to my Attorney General 's Office they inform me that this company has no right to collect in the state of Virginia were I reside as a resident. They have no registered agent license to collect in my state and NO SURETY BOND. I was also informed that a lot of residents of my state have written and called the Attorney General 's Office that this company has been harassing them with calls, letters and emails. So, they told me to keep them inform of the reply that I get back. If this item is not remove from my credit report immediately we will be seek legal damages. Also, as a consumer I am afforded protection they have violated major Federal, State law. They have violated also FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) and FDCPA Sec. 807 ( 8 ) and FDCPA 809 ( b ). Also, the Attorney General 's Office wanted me to gather this information : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 15 days from the date of your receipt of this request for validation. ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt NATIONAL RECOVERY AGENCY collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for NATIONAL RECOVERY AGENCY, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ _________________________________________ Authorized Signature For Creditor Date __________________________ Print Name This matter needs to be resolved immediately because it has cause my harm as consumer to my creditworthiness. If all questions and documents are not sent this debt is no in void. Needs be deleted from credit report. Legal action will be pursue for damages.
05/08/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32257
Web
I have recently had an account in NTL Recovery Agency in collections due to a medical bill not being submitted through insurance. I was unaware of this bill until it reflected on my credit report due to not receiving any mail or phone communicating from this collection agency. When I first called in to gain information over a year ago, I was advised that this will be placed in dispute/review to see about sending it back to main creditor and resubmitting through the insurance company to cover it because this is something that happens often. I never heard back so I assumed it was resolved. I never received any other communication. After reviewing my credit again I noticed that it was still being reported. I called back to the agency and was advised that It is too late to send it for a dispute. To get it done and over with, I agreed to settle the balance for {$800.00}. I have to say, every time I called the representatives I've spoken with have been extremely short, provided limited information and EXTREAMLY rude and unprofessional. One call I spoke with a lady who addressed herself as a supervisor named Ms. XXXX. Her tone was down right degrading and all I was attempting to do was getting the process on if I paid the account would it be submitted for deletion. I had to hang up on her after asking to speak with a different person to get my questions addressed multiple times and when I called back she was the one who answered with sarcasm and was so condescending like it was a game. I called back again another time and paid the bill and CONFIRMED multiple times on the phone that it would be deleted from my report. I called back a week later to validate that it was being deleted and again asked for when they send updates to the Credit reporting agencies and was advised the XXXX of the month and again told it would be submitted for deletion. Today is XX/XX/2019, and I reviewed my report and it shows that it was last reported on XX/XX/2019 and STILL has an out standing balance. So AGAIN, I called for clarification. I AGAIN spoke with Ms. XXXX and explained that I paid my bill and was told that the company reports in the beginning of the month however, I show that my report was just updated and still shows a balance. I advised her that I know it is a process and can take 30 days to update but all I wanted to do was CONFIRM that it was sent for deletion. She placed me on hold and hard transferred me to a lady who claimed to be a supervisor ( I do not recall her name ) who I had to explain my situation all over again and this lady was 10xs worst than Ms. XXXX. I was calm and trying to get the process and info and she was so rude and short with me that I actually had to say Im sorry but every one Ive spoken with here has been so rude and Im just trying to get clarification. She literally yelled and said IM NOT BEING RUDE BUT I CANT KEEP TELLING YOU OVER AND OVER IT WILL BE DELETED when she actually never gave me a straight answer if it was going to update as just PAID or actually be REMOVED. I work for a call center and NEVER would let any of my employees speak to a customer in this manor especially when they just need clarification. I pay my bills and this was not even an accurate bill but I still paid it due to it being a responsibility. I have had the worst experience with this collection agency and wish for all of the calls to be pulled and reviewed to see how terrible their service is. I wish for the account to be REMOVED off of my credit immediately or I will seek legal action.
10/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19720
Web
I XXXX XXXX am submitting this complaint on my own XXXX XXXX & National Recovery Agent Notice to all, I am the consumer in fact, natural person, original creditor, lender, Executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXXConsumer , and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practice Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact The Fair Debt Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; National Recovery Agen & a collection XXXX XXXX has violated my rights under HIPPA and brought my medical information XXXX This is clearly violates my rights according to HIPPA. I Demand this be deleted immediately from my credit report. The following violations have been committed 15 USC 1692e ( 8 ) 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 : ( 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. Both of the Collection companies have communicated to my credit report. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have harmed my reputation and the physical person by reporting information to the credit bureaus stopping me from receiving services or goods.
09/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02136
Web
Company has failed to respond to the dispute letters sent as well as the responses to validate the debt according to the following sections. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( 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. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] 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 : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. We called today to settle and got XXXX combastive agents XXXX, XXXX ( Supervisor ), and XXXX the MAnager XXXX
02/19/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75230
Web
Companies involved : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I have NEVER done business with a company called XXXX XXXX. The account number listed I had with another company. On XX/XX/XXXX I joined a fitness challenge that was advertised for 16 weeks at {$12.00} a week or {$50.00} a month ( documentation attached ) for a club called XXXX XXXX. The health center representative XXXX XXXX phone number XXXX XXXX XXXX, explained that you could pay {$100.00} upfront and have the rest drafted or pay the whole {$200.00}. He then stated that you would have to follow the program guidelines of the 16 week challenge to cancel and if you did not cancel per the guidelines, you would then pay {$50.00} a month for the remainder of the term. I decided to pay {$100.00} upfront and have the other two drafted. He noted it would be handled by a company called XXXX XXXX XXXX ( XXXX ). At the end of my term I submitted my cancellation paperwork per the guidelines to XXXX ( documentation included ). Mind you I had to send two sets because the people answering the phone were not " sure '' about the process and dates. Whenever you called them you always got conflicting information and it always seemed to be on purpose to trap you in the contact. For example some of us in the program were told that we had to do 3 classes a week while others were told that you had to go to the facility 3 separate days a week. I contacted XXXX on XX/XX/XXXX to find out about the cancellation status since I had not heard anything. They told me it had been successfully cancelled. I asked for a written letter and they told me they could only send an email which they did. I have attached all of that documentation, including my account summary which shows I paid in full. You also see on the contract it is written that I was in the 16 week challenge. When I googled this company they have all kinds complaints and fraudulent reports made on them as seen here. XXXX XXXX XXXX On XX/XX/XXXX I received a letter saying that I owed {$55.00} for something. I attempted to call the XXXX member service line with no luck. I then forwarded the cancellation email I received to the member services email showing I had cancelled in good standing. I received no response. Today XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying I owe {$410.00} to this XXXX XXXX XXXX again a company I have NEVER heard of. The letter stated that I needed to send a letter in writing disputing the debt but there were two different addresses. I attempted to call XXXX or go to the website to identify the appropriate address. No one answered the phone and the website is not functional. I also googled this company after not being able to find any real information on them and they also have MANY fraudulent reports as seen here. XXXX XXXX XXXX XXXX/NRA are scamming people for sure and as a consumer I should not have to go through this harassment when I have done nothing wrong. Unless this is an error I have followed all of their ridiculous rules which are clearly set up to trap people into a contract and they are STILL bothering me. I have included the letter to them stating that I dispute these claims. I am sending it to you so that there is no question about what has occurred and they will not be able to say that they did not get the information.
06/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12866
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NATIONAL RECOVERY AGEN ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
12/03/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 15102
Web
In XX/XX/XXXX, I was involved in an accident while on-the-job at my then employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( Note : XXXX XXXX XXXX has since moved to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ). I went to the XXXX XXXX at XXXX XXXX XXXX on two ( 2 ) separate occasions, within days of each other, for injuries sustained from the accident. At the time services were rendered, and during XXXX XXXX XXXX 's registration process ( the procedure when you speak with staff and provide them with you name, address, phone number, allergies, SS, medical insurance, etc. and they give you your wrist band ), which I had to go through each time I was seen, I advised and provided the registration staff with my employer information and Workman 's Compensation Insurance information, in addition to my personal/contact information, and also advised that I was being seen due to an on the job accident and that they were to bill my employer 's Workman 's Compensation Insurance, as provided. This information was provided for both XXXX XXXX visits. A few weeks later, I spoke with my Human Resources Manager and she advised that their were no problems with their Workman 's Compensation Insurance covering the visits and that they had remitted payment. A few months later, I received a phone call on my home phone from XXXX XXXX XXXX regarding an outstanding balance. I advised that I provided them with my Workman 's Compensation Insurance and employer information at the time services were rendered and they should have submitted a claim to Workman 's Compensation and if they did n't, they need to. A few months ago ( more than 3-4 years later ), I received a bill from National Recovery Agency, a collections agency, advising that XXXX ( XXXX XXXX XXXX ) turned my account over to them and that I had an outstanding balance. At that time, I contacted XXXX XXXX XXXX to inquire and was advised that I did in fact have an outstanding balance. After inquiring further, I was advised that a claim was submitted for only XXXX ( XXXX ) out of the XXXX ( XXXX ) XXXX XXXX visits and I was told that they would submit a claim for the outstanding visit to Workman 's Compensation. I was also advised that they did indeed have my employer and Workman 's Compensation Insurance information on file but the billing representative could not give me an explanation as to why claims were not submitted for both visits. She did, however, assure me, that she would submit the claim. On XXXX/XXXX/XXXX, I became aware of an entry made from National Recovery Agency in the amount of {$330.00}, indicating the original creditor to be XXXX. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, by email and advised, of the above, and also requested by mail or email if they could " please advise if claims were submitted for XXXX or XXXX dates of services ; who the claims were submitted to ; the date/s the claims were submitted ; and the date/s the claims were paid. '' In addition to requesting if they " could ... please provide me with an itemized bill pertaining to both dates of services and any supporting documentation relating to this billing issue ( claim information, statuses, outcomes, etc. ). '' ( continued below )
02/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • XXXXX
Web
I'm writing to the Consumer Financial Protection Bureau to report a collection agency that is mistreating me and utilizing improper communication techniques when it appears on my credit record. I ask that the CFPB office check into my matter. The balance of this account {$140.00}, XXXXXXXX XXXX XXXX, has just appeared on my credit record without any prior notice to me.There was no phone call or written letter to me, so I can't let them know they've got the incorrect person. I have no idea how they obtained my information or my social security number, but they suddenly appeared on my credit report. I owe this business nothing, and My credit score has significantly decreased, according to a warning I'm receiving from my credit monitoring service and XXXX XXXX.I haven't received a call or a letter, so I can't let them know they've got the wrong person. My social security number and personal information mysteriously appeared on my credit report, and I have no idea how they got hold of it. My credit score has considerably fallen, according to a notice I'm getting from my credit monitoring service and XXXX XXXX, and I owe this company nothing.Since I've previously experienced identity theft, I keep very careful tabs on my financial situation. This appears to be a case of the debt parking I read about on the FTC website. The Federal Trade Commission has taken action against debt collection firms it claims fraudulently or dubiously added debts to consumers ' credit records in an effort to pressure them into paying the obligations. This is designated as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, NATL RECOVER . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections.Consumers are shielded from these unlawful conduct by a legal process. My credit score is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a fdcpa lawyer to seek financial relief. A new collection that I have never spoken to or received any correspondence from has appeared on my credit record. I am writing to inform you of this infringement so that you will be aware of my disagreement with and dispute with this account. I have NO financial obligation to this company and they have just reported to my credit THIS month. This is in violation of my rights because I have NEVER had communication nor received a RIGHT TO DISPUTE letter from this company. I DISPUTE THIS ACCOUNT, THIS IS NOT MINE. I demand they furnish the original information pertaining to this account along with all interest, fees and payment information. I am forwarding this issue to the CFPB as well.
02/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33196
Web
On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of XXXX XXXX XXXX in the amount of {$330.00}. XXXX XXXX XXXX ( NRA ) informed me the collection was for a XXXX account from XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to NRA that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked NRA what information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. On XX/XX/XXXX, I sent NRA a certified letter asking NRA to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I called XXXX to inquire about the account since the account number was on the bill NRA sent me. XXXX stated they no longer had access to that information because XXXX XXXX XXXX. I then called XXXX XXXX XXXX and they refused to speak with me only referring me to NRA. I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX states that NRA has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. On XX/XX/XXXX, I sent NRA another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, NRA sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. I am simply requesting that NRA look at the billing history of this account to determine who was paying the bill. I am requesting that NRA remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 206XX
Web
" Under the Fair Credit Reporting Act 15 USC 1681 Section 602 a states " It is necessary to ensure that credit reporting agencies discharge their serious responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my private information is not disclosed, which is supported by 15 USC 6801, which states, " It is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the nonpublic personal information of those customers. '' ( transmitters of information to credit reporting agencies ) is a financial institution as defined in this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), a consumer reporting agency may provide a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. '' ( disclosure of information to credit reporting agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX Do Not have my consent to share this information, and they certainly do not have my written consent. Any consent to XXXX, XXXX, XXXX ( suppliers of information to credit reporting agencies ), whether oral, non-oral, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how to exercise this option not to disclose. '' ( Disclosure of Information to Credit Reporting Agencies ) never informed me of my right to exercise my right not to disclose. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as permitted under subsection ( b ), no consumer reporting agency may provide a consumer report that contains any of the following information Any other adverse information, other than records of felony convictions, that dates back more than seven years to the report. '' This account is adverse information that they are re-reporting without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " A person shall not provide information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Each consumer reporting agency shall maintain reasonable procedures designed to prevent violations of section 1681c of this title and to limit the provision of consumer reports to the purposes specified in section 1681b of this title. '' XXXX, XXXX, and XXXX do not follow adequate procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to withdraw at any time. '' I am opting out of your reporting services. ''
08/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46815
Web
NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Letter Account Number : XXXX Dear Sir/Madam, I am writing this letter in response to your recent communication regarding an alleged debt associated with account number XXXX. I must assert that I dispute the validity of this debt and demand that you immediately cease all collection attempts on the alleged account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the law to request that you provide proper validation of this debt. Until such validation is provided, all collection activities must cease, and no further contact should be made with me or any third parties regarding this matter. Under the FDCPA, you are required to provide me with the following information to validate the alleged debt : The amount of the debt claimed, The name of the original creditor, A statement confirming that you are authorized to collect on this alleged debt, The complete payment history of the alleged debt, including details of all charges and interest added, A copy of any written agreement or contract bearing my signature, binding me to this alleged debt, Proof that you are licensed to collect debts in the state of Indiana, where I reside, A complete breakdown of how the total amount claimed was calculated, Proof of your ownership of the alleged debt, including the chain of title from the original creditor to NTL Recovery Agency, The date the alleged debt was incurred, and Any other documentation that supports your claim of the alleged debt. I am aware that NTL Recovery Agency does not have a license to collect debts in the state of Indiana, and your attempts to collect a debt without the appropriate license are a violation of state law. According to the FDCPA, it is unlawful for debt collectors to engage in any deceptive, unfair, or abusive practices in connection with the collection of a debt. If you are unable to provide the requested validation within 30 days from the date of your receipt of this letter, I demand that you immediately cease all collection activities related to this alleged debt. Furthermore, I insist that you delete any negative reporting associated with this alleged debt from my credit reports. Failure to comply with this request will be considered a willful violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. Please be advised that I am keeping detailed records of all communications, and any further contact made in violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of Pennsylvania. Your prompt attention to this matter is expected. I request that you respond to this letter within 30 days from the date of receipt. Failure to do so will be considered a refusal to validate the debt, and I will proceed accordingly to protect my rights. Thank you for your immediate attention to this matter.
08/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43609
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' 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 customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this titleXXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
10/28/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94608
Web
I get notifications from XXXX when something happens on my credit report and I got a notification that I had a debt that was sent to collections and was already on my credit. I have never received a call or anything in the mail stating that anyone was trying to collect a debt from me. The debt is an {$84.00} dollar bill from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) for a rental property that I own. I do not live there, I have tenants there, so I should not have been receiving a bill anyway. But, once I saw it come onto my credit, I called XXXX XXXX XXXX immediately and paid it ( XX/XX/2019 ). I spoke with XXXX & XXXX about the fact that I was not contacted and they referred me to the debt collections company, National Recovery Agency. I spoke to a person at the National Recovery Agency ( XX/XX/2019 ) and they said they can not close the account out until they have notification from XXXX XXXX XXXX, I called XXXX XXXX XXXX back and they were processing the information and would have it sent to National Recovery Agency. At the same time, I had asked the agent at National Recovery Agency why I was not contacted by phone or voicemail or through a letter in the mail. She said they had called me but they did not leave a voicemail because they said they are not allowed to leave voicemails if my name is not on my voicemail, my full name is on my voicemail so that can not be true ( XX/XX/2019 ). I am in the process of getting a loan for a house and this has took my credit score down by 60 points, and obviously that makes a huge difference in what kind of interest rate I can be approved for. My lender asked me if I could contact National Recovery Agency and have them put into writing that they would be closing the account out as soon as they received notification that the account was paid from XXXX XXXX XXXX, they said they can not do that so I asked to speak to a supervisor ( XX/XX/2019 ). The supervisor that I spoke to is named XXXX XXXX - she would not give me her employee number but she gave me her extension number : XXXX and the phone number is : XXXX. While speaking to XXXX XXXX, the supervisor, I asked why I was not contacted and why no one left me a voicemail when my full name was on my voicemail, she could not answer that. We then spoke about why this bill was put onto my credit without me even being contacted first. Ms. XXXX stated that they have 5 days after initial contact to send the debt information in the mail. She is saying that the initial contact was XX/XX/2019, when I contacted them. So from that point, XX/XX/2019, they have 5 days to send the information in the mail. I understand that, my question is if they are claiming that XX/XX/2019 was the initial contact then why was this debt already sent to my credit report? If they had never had contact with me then I was never given the chance to rectify or dispute the debt.
11/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Hi NRA ; How r you? You are reporting wrong, incomplete, and unverifiable info on my credit report. This account was on my credit before and I had disputed and it was deleted. Now it re-appeared with the wrong open date of XX/XX/2020? What is the 1st date of delinquency of this account? This is causing this account to illegally re-age the way it's reporting and it's a violation. Basically, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from my XXXX 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.
03/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30344
Web
National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
01/23/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • WI
  • 53214
Web
Below email arrived in my email box. I don't own any money to the company, never did business with the company!! I don't know who they are and there is no phone number to call, only XXXX email address!!! Debt Collection Agency XXXX To : Debt Collection Agency Bcc : XXXX Thu, XX/XX/XXXX at XXXX XXXX NOTICE OF WAGE GARNISHMENT from District Court Case File : XXXX Notice Issued On : XXXX XXXX, 2021 Amount Outstanding : {$1000.00} ( higher than actual amount owed ) Dear Debtor, This is our official notice to you regarding the due payment with XXXX XXXX XXXX.You have defaulted to pay the dues. TO THE GARNISHEE : The creditor has obtained a court order against the debtor.The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by instalments ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and one or more co-owners ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency ( a ) All debts now payable by you to the debtor within 7 days after this notice is served on you ; and ( b ) All debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued within 7 days after they become payable. The total amount of all your payments to the clerk is not to exceed $ XXXX.THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied.If you do not pay the total amount or such lesser amount as you are liable to pay, You must serve a Garnishees Statement ( Form 20F ) on the creditor and debtor and file it with the collection Agency within 10 days after this notice is served on you. If we do not receive the payment in full by XX/XX/2021 ( deadline ), We will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. We are open to discussion until XX/XX/2021 but after this date, We will have no other option to go with the legal proceedings. If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$2100.00} and we are sending you this notice to let you know what we have done in response to the garnishment order.You can contact your creditor for the settlement amount. Please reach out to us immediately if you would like to set up a repayment plan.
07/11/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32092
Web
XXXX XXXX is claiming that I still owe {$100.00} from a visit to the emergency room that had an original balance of > {$800.00} inXX/XX/XXXX. According to their website, a payment that I made of {$77.00} onXX/XX/XXXXis still pending application against my outstanding balance. InXX/XX/XXXX, I was disputing the remaining balance with XXXX and requesting supporting documentation to show that my {$77.00} had been applied to the balance. Subsequently, XXXX referred my account over to National Recovery Agency of XXXX, PA. I received a debt collection letter from them around XX/XX/XXXX. The letter contained no dates on it ( how does that comply with FDCPA requirements? ) and was an attempt to collect the {$100.00} balance that is not completely owed. Upon receipt, I submitted a payment of {$31.00} ( the amount I agree was still outstanding ) on XX/XX/XXXX along with a dispute letter challenging the total amount owed. In support of that dispute letter, I also included a screen shot ( dated XX/XX/XXXX ) of my account from the XXXX website evidencing the pending payment of {$77.00}. National Recovery subsequently called on XX/XX/XXXX attempting to collect this debt. During that call, they indicated my check was being returned and not accepted and that they would be looking into the dispute. I authorized my husband, XXXX XXXX to speak with regards to the account. In his discussion with a supervisor name XXXX, he requested that we call back on the following Wednesday and would have more information for us at that time. When we returned the call on XX/XX/XXXX, XXXX was not available and I was instructed that he did not have my information and that I needed to email it to him and XXXX I did so on the same date and have yet to receive a response. On XX/XX/XXXX I finally received my return check. The letter from National Recovery is dated XX/XX/XXXX yet the post mark on the envelope is XX/XX/XXXX, nearly a month later. Included with my returned check is my original letter and supporting documentation. At this point, I fear that they will begin adversely impacting my credit, when I have been attempting to resolve the remaining balance since prior to referral to collections. National Recovery clearly does not appear to be following thru to support the amount they claim to be owed and by returning my evidence, they have shown a complete disregard for validating the debts they are collecting. To make matters worse, they have refused to respond to our prior complaint because my husband 's name was also used. Although I 've previously authorized him on the account, they are claiming he is an unauthorized third party as a method of avoiding their responsibilities and being held accountable for their tactics.
01/05/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20854
Web Older American
I had anesthesia procedures during XXXX and XX/XX/2020. During those procedures, I needed to receive anesthesia. I was asked to provide my XXXX card because I was told that XXXX would pay the providers ; I also have secondary insurance and that info was also provided. My physician and the facility both received payments via XXXX. Apparently, The XXXX XXXX ( the Company ) did not receive payment. I learned of the non-payment when I started receiving bills from the Company. I called and inquired but was told that the Company had submitted claims to XXXX numerous times and the claims had been rejected rather than processed. Initially, they agreed to try again after I determined that the other providers had been paid. I noticed that bills I had received from the Company had been addressed to a person with a name similar to mine but not identical to my name. The name used included a suffix that is not part of my name and therefore is not on my XXXX card. Because I thought that might be a reason for the problem, I called and pointed out the problem but the erroneous billing continued. I sent letters to the Company informing them and asking them to stop billing me. One of the letters is forwarded with this complaint. The Company forwarded bills to National Recovery Agency ( NRA ). After that, I spoke to NRA and forwarded part of my correspondence with the Company. NRA subsequently informed me that it had returned the bills to the Company without taking any action. But that did not stop the Company from billing me. When the bills continued to be sent, I contacted XXXX. A XXXX representative informed me that the Company had finally submitted a claim that was eligible to be processed. The representative additionally informed me that the claim had been denied because XXXX received it too late and that I was not responsible for paying any amount whatsoever to the Company. A transcript of that chat is included with this complaint. The XXXX representative also offered to send written documentation, which I subsequently received. Relevant pages from the documentation are also included with this Complaint. The representative also stated that the Company had been informed. I continued to receive bills. I wrote to the Company to remind the Company of the XXXX action. The Company once again did not respond. At some point, the Company again sent its erroneous bills to NRA. NRA caused collection notices to be included in at least the XXXX credit report and possibly other reports. My credit rating has been seriously adversely affected. I have forwarded documentation including items forwarded with this complain to NRA. NRA has declined my request to withdraw the reports it has recently sent.
10/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19144
Web
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX ( XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
10/08/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38109
Web
Acc:XXXX To Whom It May Concern : NATIONAL RECOVERY AGENCY FIRST OFF YOU NEVER SENT ME A LETTER SO I CAN DISPUTE THIS DEBT WITH YOU SO THATS YOUR FIRST VIOLATION ITS up to a XXXX per violation and Im coming for you. This letter is being sent Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. Please attach copies of : Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserved the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of [ name your state ] medical privacy rules. I also, hereby, reserve my right to take private civil action against you to recover damages. XXXX XXXX XXXX
08/20/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • CA
  • 90028
Web
To Whom It May Concern, I am writing to formally lodge a complaint against NTL RECOVERY AGENCY, a debt collection entity operating at XXXX XXXX XXXX XXXX XXXX XXXX I have been subjected to what I believe are unlawful debt collection practices that are causing severe financial and emotional distress. I kindly request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate and address this matter promptly. I was contacted by representatives of NTL RECOVERY AGENCY who claimed that I owed a debt that they had acquired from a third party. During our conversation, it became apparent that the debt collector had purchased this alleged debt without any valid legal basis and proceeded to report it to the credit bureau. I attempted to seek clarification regarding the origin and legitimacy of the debt, to which I was met with coercive tactics and threats to my credit score. The debt collector 's representative asserted that regardless of my protests of innocence and the lack of supporting evidence, they possessed the means to negatively impact my credit score irreparably unless I complied with their demands to settle the debt. In an alarming admission, they revealed that they had reported the debt as a " other debt collection '' rather than accurately categorizing it as a medical debt. This intentional misrepresentation was purportedly aimed at maximizing the negative impact on my credit score, with the evident objective of pressuring me into compliance. It is important to note that I have undergone significant hardships, including the aftermath of flooding in XXXX and the subsequent challenges posed by the ongoing pandemic. As I endeavor to rebuild my life and secure housing, my credit score is of paramount importance. Regrettably, NTL RECOVERY AGENCY appears to be exploiting my vulnerabilities to their advantage, demonstrating a disregard for ethical debt collection practices and consumer rights. In light of the aforementioned, I implore the Consumer Financial Protection Bureau to take immediate action to investigate the activities of NTL RECOVERY AGENCY and hold them accountable for their unlawful and coercive debt collection practices. I am seeking remedies that will not only halt any further damage to my credit score but also prevent similar misconduct against other vulnerable individuals. I kindly request that you consider this formal complaint and take the necessary steps to ensure a fair and just resolution. I am prepared to provide any additional documentation or information required to facilitate your investigation. Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
01/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 10128
Web
In 2018 I was violently ill, I went to the doctor and they thought something was wrong with me. They sent me to get some test one was a XXXX test at XXXX XXXX XXXX XXXX, They asked for my insurance to get pre approved. I was told I had nothing to pay, They scheduled my two appointments. They said they would collect the money from the insurance company. At no time did they inform me that I had a deductible or anything to pay. I left there office without paying anything after the tests. While checking on a claim from another medical provider with my insurance company I was told that the XXXX XXXX XXXX was paid the following by my insurance company {$1200.00} {$1200.00} {$20.00} I started to receive phone calls from National Recovery Agen regarding more payments on the bill, I was told that they are the collection agency for the balance of the bill and I could not call XXXX XXXX XXXX XXXX. I told them I want to get the debt validated and I want the original company contact me. They said I could only speak to them. I called XXXX XXXX XXXX to get the debt validated and they told me they don't have the bill anymore that National Recovery is now the party to speak to. They also confirmed they had the wrong address for me. At no time was the debt validated, At no time I was told I could dispute the bill, my rights under fair credit reporting was violated. Under the Fair Debt Collection Practises Act, XXXX XXXX XXXX was suppose to inform me of the bill, let me know they got paid before reporting to the debt collector. This was not done. I was never told by the company that my insurance company paid them three big checks. If I had know that I had a portion to pay I would have paid it at that time. I thought everything was taken care of by the money they recived from my insurance carrier. I ran my credit report this morning only to find these debts on my credit report. I contacted the original creditor who told me that they indeed got paid, that they had my wrong address, and the debt collecting agency is indeed handling the bill for the balance. I asked how can I have a bill, when you told me that my insurance will pay the bill and you got a preapproval. They said I have to contact the collection agency. The debt was never validated, the collection agency contiune to report it every month, I was never given the opportunity to dispute the bills. At no time did the collection agency told me the bill can be disputed. I asked the medial company to sent me the bill, they finally emailed it to me after two years today when I told them I'm going to write to the CFPB. see attached I would also like this be sent to each of the credit bureau
01/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
Dear National Recovery Agency / NRA ; I'm a little confused about a collection of {$280.00} reporting on my credit report dated XX/XX/2017. I've attempted several times in the past to get to the bottom of this but for some reason, my request has been blatantly ignored by everyone there and the credit bureaus. They failed to perform a thorough investigation into my request and but however, continues to report this account in violations of my rights such as fcra, fdcpa, etc. It was my understanding that a collection account is by default late and past due and it can not be reported as such ; and if it does, its in violation of my rights and it's causing this account to illegally re-aged. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/18/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • XXXXX
Web
I am writing this letter to make note of a separate, yet more concerning violation of my consumer rights than the one I submitted earlier today. Another violation crossed yet again by " National Recovery Agency, '' which is beginning to make me question not only their motives and illegal practices with me, but also prey on the many other innocent, hard-working, law-abiding, honest, American 's who's only crime is being too busy to spend the time that I sure as heck don't have right now in putting an end to these phantom-like bullies who appear from nowhere until you're checking your credit report as usual to having a million questions with very few places to seek valid information in hopes not to walk into another scam from fraudsters like them... This next deceitful trick from NRA is one they've only made known to me, and not the bureaus this time. The " supposed debt '' they shared with the bureas was {$1700.00}, but when I called to inquire, I was told to pay a higher amount of {$1800.00}, which was also shown in an email sent to me " per my request, '' which mysteriously ended up in my spam folder which only makes up about 1/100 the emails sent to me, as if it had been sent in a way to be flagged to stay under the radar to buy them more time which again, is not something I have ever had much time for until it's kept me up all night missing work, and now doing it all has literally made me ill... One other deceitful scheme that I'll mention to spare us all from another letter and to expidite the process in ultimately removing this invalid " debt '' as well as this crooked collections company from any further damages to me than they've done already is to state that just after reading the cheap response to my first letter, they updated and verified the bureaus in only an address update. Nothing else they stated they would do was reflected to the bureaus, and hidden very well in one bureaus updated report was that I agreed to pay the amount of {$1700.00} withing 1 month!!! I can't make this up!!! I never once stated, wrote, or typed any such accusations, and what would they do next if I didn't fulfill the promise they made on my behalf??? This has gotten entirely out of hand, and it needs to stop here and now. If my docter tells me that all of this sickness I'm starting to endure is due to the countless research and costly measures I've taken to make the 3 bureaus, CFPB, etc. aware of what companies like NRA are doing to me and others, then I won't be sending anymore letters. I've done all a common working man can do. It'll need to come from someone, because I can't live this way...
09/19/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32514
Web
Rewrite long strict message no big words : In my recent complaint, XXXX XXXX, a Compliance Manager from NRA Group, claimed that I owe them money based on their records and information they gathered from various sources. What struck me as odd was his insistence on the need for a police report, as if it would discredit my case. Just to clarify, I submitted reports to any company I suspected of having incorrect information about me, and this action wasn't exclusive to NRA Group. I want to make it crystal clear that, for this specific situation, a police report isn't necessary. My intention was simply to provide a comprehensive overview of my circumstances. Furthermore, as I've mentioned previously, my address remains incorrect, and I had no prior knowledge of this account. The mere coincidence of someone else in my city sharing my name does not automatically make me responsible for this debt. I'm standing my ground on this I refuse to pay someone else 's debt. It doesn't matter whether it's a small medical debt or not, and even if it won't affect my credit report, I still require evidence or the removal of this from my account. To resolve this matter, I demand genuine proof, such as signatures or identification, to validate that I am indeed the individual responsible for this debt, be it a medical bill or any other type of debt. My primary concern remains the confirmation of my identity. I must emphasize that the contents of XXXX XXXX 's last complaint seemed perplexing to me. From my perspective, he should be capable of presenting concrete evidence regarding the debt. At present, it appears that he and his company may be overstepping their boundaries with regard to my rights, and I'm meticulously documenting all relevant information. On a related note, there's a previous complaint that remains unaddressed. There are two significant issues I wish to highlight : 15 U.S.C 1681 section 602 states I have right to privacy 1. In accordance with the Fair Credit Reporting Act ( FCRA ), they are prohibited from sharing information about my account without my explicit consent. This provision is essential for safeguarding my privacy. 15 U.S.C 1681 Section 604 a section 2 it states that consumers report can not furnish an account without my written instructions. While they mentioned verifying information from another source, it remains imperative that they substantiate the legitimacy of the debt and my liability for it. In summary, my primary objective is to ensure the preservation of my rights and to insist on the presentation of adequate documentation to substantiate their claims.
08/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02125
Web
HI NRA National Recovery Agency - # XXXX XXXX XXXX XXXX ;??? FOR {$1400.00}??? 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.
07/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02721
Web
Hi XXXX XXXX ; National Recovery Agency ; I'm really sad, 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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. 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.
07/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
HI NATIONAL RECOVERY AGENCY XXXX XXXX # XXXX FOR {$69.00} ;???? 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.
08/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
HI NATIONAL RECOVERY AGENCY ; XXXX XXXX/XXXX XXXX {$450.00} ; 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.
01/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02861
Web
Dear XXXX / XXXX XXXX XXXX ; Balance for {$57.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
HI Ntl Recovery Agency ; 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.
07/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Dear NRA/National Grid ; 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.
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43110
Web
Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, NTL RECOVERY AGENCY # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
06/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02121
Web
HELLO ; 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.
08/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02131
Web
National Recovery Agency??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
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? XXXX. 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.
03/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
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.
11/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
Happy Saturday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01902
Web
Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/07/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02131
Web
Hi NRA MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/04/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85339
Web Servicemember
I was authorized by my healthcare provider ( XXXX ) for 30 visits with a Nutritionist. I was sent to see XXXX XXXX at XXXX XXXX, XXXX. I went to my first visit, paid my co-pay and saw Ms. XXXX for approximately 10 minutes. She gave me a pre-printed list of recommended diet tips and scheduled me for a follow up appointment approximately 30 days later. I returned 30 days later, paid my co-pay and spoke to Ms. XXXX for another 10 minutes and was rescheduled for another appointment approximately 30 days later. A couple of weeks later I received a bill from XXXX for {$310.00}. I called XXXX to see what was going on and they said XXXX was " balance billing '' me and that I was not responsible for the charges. I also found out that XXXX was submitting the wrong billing codes for payment. I was then connected on a 3 way call by the XXXX representative who explained to XXXX XXXX billing department the issues and how to resolve them. The XXXX representative seemed disinterested and like she was only half-listening to the XXXX representative. We ended the call thinking that the issue was resolved. A few weeks later I receive a collections notice from National Recovery Agency on behalf of XXXX for the {$310.00}. I call the collection agency to explain the situation and it falls on deaf ears. They will only listen to responses from XXXX. I called XXXX again, we 3 way call XXXX again and re-explain the situation and, again, think it is handled. I continue to receive harassing phone calls from the collection agency and the situation has not changed. I again called XXXX and filed a grievance on XX/XX/2019 ( reference # XXXX ) regarding this claim for service ( Claim # XXXX ) and was told that the investigation would be completed within 30 days. In the meanwhile, I had planned to refinance my home in order to help pay for my daughter 's coming of age party and find that this collection has caused my excellent credit score to drop to approximately 150 points. This will significantly affect the terms and cost of any loan I wish to obtain and has essentially destroyed any chance of me obtaining an affordable loan. I live on a fixed income and my credit is the only way I can afford to survive. I have an excellent payment history and my credit was flawless until this collection was put on me. I feel that I was deliberately and maliciously harmed by the actions of XXXX and do not want to see them harm anyone else in this manner.
01/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02072
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/04/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • VA
  • 23834
Web
On XX/XX/2022 at XXXX, I contacted the National Recovery Agency via phone at : XXXX, after reviewing my credit report and seeing their company listed a Creditor of a collections account for {$500.00}. However, when I called them to get additional information that they could provide about the account, the gentleman who answered the phone was very rude and unprofessional and began to talk over me and did not allow me to ask questions. After a few minutes of asking questions, he then stated he was on a recorded line. When I also advised him that I was recording the call for my protection, he immediately hung up the phone. I immediately called back and a female by the name of " XXXX '' answered and asked if I was XXXX and if I lived in XXXX XXXX, XXXX After I answered and asked if she could give me additional information on the account, she rudely replied, " That's why he hung up on you '' and she hung up the phone as well. When I called back again the same gentleman who I first spoke to answered again and proceeded to hang up the phone yet again. I then called to XXXX and spoke to the representative who stated this company had provided a response for the dispute and verified everything was accurate. When I asked the representative at XXXX to explain their process of verification, she stated they verify with the creditors if the information was correct. I felt this is NOT a fair investigation because of course the CREDITOR will always say it's accurate. These are unacceptable practices by the Credit Bureaus as well as the creditors. They also failed to provide me with any information to verify the medical bill such as a copy of the bill with the date and time that I was supposedly seen at the hospital for verification purposes. I am certain that bill does not belong to me, due to the fact that I have not gone to the ER for ANYTHING within the last seven to eight years. And when I contacted XXXX XXXX XXXX XXXX, phone number : XXXX, the only hospital that I have ever been a patient, they had NO information of me having a collections account or outstanding bill. And when I tried to contact the original creditor XXXX XXXX XXXX XXXX, they are no longer in business. There should be more protection for consumers. These companies are often times rude and disrespectful. And use scare tactics to bully and threaten consumers into paying for things they do not owe. This is unacceptable and unethical.
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02125
Web
Dear NATIONAL RECOVERY AGENCY/ XXXX XXXX ; I was really shocked and surprised over the weekend when I refresh my credit and noticed an account from XXXX XXXX that was originally removed from my credit with debt buyer XXXX XXXX XXXX XXXX Now it has a different account number and a " OPENED DATE '' of XX/XX/2021. I'm certain that this is a violaiton of both fcra and fdcpa and I never had any prior relationship with either of these companies listed. Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/10/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90503
Web
RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.
04/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29681
Web
I pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today.
09/29/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11421
Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
06/19/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19604
Web
Good Afternoon, On around XX/XX/XXXX I received an alert from XXXX. XXXX is a free credit tracking tool I have through my credit company XXXX XXXX. I received an alert regarding a derogatory account reported on XX/XX/XXXX {$340.00} balance from National Recovery Agency. On XX/XX/XXXX I opened 2 disputes through XXXX. First one was for National Recovery Agency. Second one was for XXXX XXXX Credit Card. Both which I did not recognized. On XX/XX/XXXX I received account dispute update XXXX XXXX Credit Card had been removed from my credit. On XX/XX/XXXX I received an account dispute update for National Recovery Agency confirming the information was accurate. I called National Recovery Agency provided them with the account number in the report, Name, Social Security number twice and they were not able to bring up any of my information. I called NRA a 3rd time spoke to XXXX provided her with the same information as before. She was able to pull the information based on pulling it as a consumer account. She told me the actual account was different and provided the name and dob for the person associated with the account which was not my information. She recommended for me to fax the information for the dispute I had opened to her manager XXXX fax XXXX on XXXX and On XXXX spoke to XXXX to confirm she received the documents. She confirmed she received them and will review and report back. On XXXX I received an account update the company reported the information was accurate. On XXXX I called XXXX again because I have not been able to get any resolution/evidence the bill belongs to me. They confirm they has also ask National Recovery Agency for the Social Security and they still have not provide this information to them. XXXX suggested to open another case and also file a complaint because she can see I have been doing and they have been doing everything we can to try to get more information to get it resolved. Hoping we can get this resolved with your help. If the bill is truly mines I will make sure that it is paid. I have not received any bills in the mail for this company. I called the hospital all bills are pain in full. I currently do no have anything outstanding. This pending item it is hurting my credit. It is only showing in my XXXX and not XXXX nor XXXX.
11/14/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28273
Web
I HAD A COLLECTIONS ACCOUNT POP UP ON MY CREDIT REPORT FROM NATIONAL RECOVERY AGENCY IN XX/XX/. I INITIALLY CALLED THEM PRIOR TO THIS WHEN I RECEIVED A LETTER FROM THEM TO ASK WHAT IT WAS THEY STATED IT WAS A UTILITY BILL FROM XXXX XXXX IN NEW YORK. I TOLD THE REPRESENTATIVE I DID NOT LIVE IN NEW YORK AND WANTED TO DISPUTE THE DEBT, SHE STATED SHE WOULD NOTATE IT AND IF NOT WOULD REPORT TO THE CREDIT BUREAUS. I DIDNT HEAR ANYTHING BACK FROM THEM AND ALSO DISPUTED ON MY OWN WITH XXXX . I ALSO CALLED XXXX XXXX ASKING FOR A DEBT VALIDATION LETTER THAT I DIDNT RECEIVE THEY STATED SINCE THE ACCOUNT WAS IN COLLECTIONS I WOULD NEED TO DEAL WITH THE COLLECTION AGENCY. I CALLED NATIONAL RECOVERY AGENCY AGAIN AFTER THEY KEPT TEXTING ME WHICH I NEVER AGREED TO, I TOLD THEM NOT TO TEXT ME BECAUSE THIS WAS A SERIOUS MATTER NOT A TEXTING MATTER AND THEY KEPT TEXTING ME AND NEVER SENT ME A PAPER BILL AGAIN NOR DID THEY CALL ME. WHEN I CALLED AND SPOKE TO THE REPRESENTATIVE I TOLD THEM I HAD PREVIOUSLY DISPUTED THIS SHE SAID THERE WAS NO RECORD OF A DISPUTE WHICH I DIDNT UNDERSTAND AT ALL BECAUSE I EVEN DISPUTED TIS MYSELF WITH XXXX . SHE STATED SHE WOULD TEXT ME WITH THE PROCESS ON HOW TO DISPUTE. AGAIN TEXT ME??? AFTER I REPEATEDLY TOLD THEM NOT TO TEXT ME ITS INAPPROPRIATE. I THEN RECEIVED A TEXT WITH A SETTLEMENT OFFER NOT ONCE BUT TWICE AND THEY NEVER SEND ME A TEXT ON HOW TO DISPUTE THIS THEY SENT ME A SETTLEMENT OFFER. THEY ALSO NEVER SENT ME THE DEBT VALIDATION LETTER THAT I HAD REQUESTED FROM THEM.I SUBMITTED A COMPLAINT WITH THE XXXX BECAUSE THIS ISNT A DBT IM RESPONSIBLE FOR. I NEVER HAD A CONTRACT WITH XXXX XXXX, I HAVENT LIVED AT THE NEW YORK ADDRESS IN TWO YEARS, I NEVER RECEIVED A DEBT VALIDATION LETTER, AND WHEN I LIVED IN NEW YORK THE LANDLORD SPLIT THE METER BETWEEN ME AND TWO OTHER TENANTS THAT WERE LIVING THERE. ALSO, I WAS ON TEMPORARY ASSISTANCE AND I HAVE PROOF DSS PAID XXXX XXXX DIRECTLY FOR YEARS BASED ON MY INCOME. WHEN I SUBMITTED THE XXXX COMPLAINT THEY REPLIED BACK I DIDNT GIVE CONSENT TO REPLY ON A PUBLIC FORUM WHICH I DID WHICH IS WHY I SUBMITTED THE COMPLAINT. I NEVR HAD A CONTRACT WITH XXXX XXXX OR NATIONAL RECOVERY AGENCY. THEY ARE STALLING AND RUINING MY CREDIT!
08/08/2017 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
  • NY
  • 129XX
Web
I have been working with XXXX since XX/XX/XXXX. They successfully removed several negative items from my credit report. Within the last 30 days XXXX XXXX XXXX has put 5 collection accounts back onto my XXXX and XXXX credit report, and 2 accounts back on XXXX that were removed. That is 12 negative collections that were removed, that were put back onto my report ... ..They changed that Account numbers, but they are identical accounts, amounts, and open dates .... Removed From on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed I know three accounts were removed from XXXX around XX/XX/XXXX, but i 'm not sure which ones as i am waiting on XXXX XXXX to send me a more detailed report then what i currently have access to. I can provide that report once I am in possession of that. XXXX XXXX added these removed accounts back onto my credit reports under different account numbers on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX This is UNETHICAL and harassment ... ..I have worked very hard to get these medical collections removed from my credit report, and I have paid a lot of money to XXXX XXXX to do so. XXXX XXXX confirmed that the origional accounts all started with 3 ... .Now the duplicate accounts all have account numbers starting with 8 I am attaching a credit report from XXXX XXXX XXXX with the original accounts numbers starting with a 3, and a report from XXXX XXXX showing that this company created duplicates of these removed accounts with different account numbers starting with 8 .... I want XXXX XXXX aka XXXX XXXX XXXX to be investigated, and to take every step possible to shut this type of company down!!!
07/19/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43206
Web
XXXX XXXX of XXXX New Jersey ( XXXX ) tried improperly billed my insurance. I was a XXXX recipient and had private insurance. XXXX billed XXXX first but was supposed to contact my private, primary insurance. This caused a year long dispute, where they acknowledged their mistake. They billed my primary health insurance and then attempted to get XXXX of New Jersey to pay the remaining balance. Throughout this process I remained consistently communicative. I called their office every time I received a billing notice and explained that they needed to contact XXXX of New Jersey for the remaining balance ( XXXX had my XXXX information ). I called in XX/XX/2021 and was told they would send me another balance notice if XXXX did not pay. Instead they sent this to a collection agency without notifying me. I contacted XXXX of New Jersey who informed me they illegally sent my balance to collections as there is a New Jersey state statute stating that they can not balance bill a XXXX recipient, meaning whatever my primary insurance paid should have been considered " paid in full ''. I notified XXXX of this on XX/XX/2021 and they told me they would drop the balance to {$0.00} and notify the debt collection agency National Recovery Agency, yet I received a bill from National Recovery Agency, a debt collection company dated XX/XX/2021 that I still owed the remaining balance. XXXX contacted National Recovery Agency on this date and they still attempted to force me to pay a bill I never owed. I called them on XX/XX/XXXX and the woman I spoke tried to convince me that XXXX would not pay a bill that old, when in actuality, it is against New Jersey 's state statute to not balance bill XXXX recipients. On XX/XX/XXXX I contacted XXXX about this notice and they called National Recovery Agency again on the same day. I then contacted National Recovery Agency and the woman I spoke with informed they had no record of XXXX contacting them and that I still owed the remaining balance. After longer discussion ( the conversation was recorded ) her supervisor came on the phone and told me that the balance was {$0.00} and XXXX had closed the account and her employee didn't know because of " lack of training ''.
04/26/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21117
Web
Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from National recovery as the guidelines of the FDCPA states, which is outlined below : 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. You have deemed the debt valid by putting it on my credit report before sending me written notice and allowing me the 30 days to dispute. I had no knowledge that I owed a debt to give to the client because I paid the company {$790.00}, which I was told that was all I owed. They should have billed my insurance dental for the dental procedure and medical for the medicine. I did a change of address with the post office, also if the mail was returned, that does not constitute a right to add a debt as valid on my credit, per the FDCPA guidelines. Your response said that I probably didn't receive any notices because you had the incorrect address and the mail was returned to you.
05/03/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 32209
Web
On XX/XX/XXXX, I received multiple calls from NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX, regarding and alleged medical obligation leading to a voicemail being left with an account number to alleged obilgation. I returned the call and was asked for verify myself upon requesting first and last name from representative I was told she was not obligated to identify her while had access to all of my private and personal consumer information insisting i verify whom I was when I was returning a call, she stated she would not be able assist and for safety reason would not disclose her first and last name which violates FDCPA laws further more the representative hung up. I repeated to call back to acquire information as into how this third party I have no entered any contracts with have my personal and private consumer information, I made five calls and each representative declined and refused to properly identify themselves on my third call the rep answered and said in quote " I was crazy " for asking him to identify and that statement caused deep emotional injury and damage. I spoke with a manager who agreed that reps are to identify themselves and should use profane or derogatory statements I asked if compliance would review all calls and we could resolve the violations in private however no one ever reached out to me. I did however start getting emails regarding the alleged obligation with no consent under regulation F but they continue to harass me. Today XX/XX/2022 I called in again seeking remedy and was told again the rep would not provide proper identification i was transferred to a manager who identified his first and last name and made him aware of the violations and he refused to address the matter at hand after asking him multiple times why his reps would not id he placed me on hold to confirm FDCPA laws and came back to the phone stating he doesn't have time to talk about the violations and hung up on me causing more damage and leading to more financial injury as no remedy can be made when they avoid assisting me or acknowledging their harassing and profane collections efforts pertaining to an alleged obligation.
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • RI
  • 02919
Web
National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( 3 ) consumer reporting agencies ( XXXX, XXXX and XXXX ) and with the account holder ( National Recovery Agency ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by National Recovery Agency. I am listing all the violations under the FCRA that apply to my specific situation. Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate. 15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. - I have 10 inaccuracies reported on my consumer report. - Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. Debt Collector Address : National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : National Recovery Agency - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
08/17/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75052
Web
Apparently, my former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX XXXXXXXX several years ago. They have now provided my personally identifiable information to a third-party, National Recovery Agency XXXX who damaged my credit by placing a collection on my credit report. I have not received contact from XXXXXXXX XXXX XXXXXXXX with any inquiries or to advise me of any billing issues. National Recovery Agency has also not contacted me directly in an attempt to resolve the matter. Only because I regularly check my credit, I found this collection. I can not verify that the amount they are claiming that I owe is valid, because I have not received a bill outlining the charges from XXXXXXXX XXXX XXXXXXXX or National Recovery Agency. My parents have a new insurance carrier as of this year. The former carrier, XXXX XXXX XXXX ( XXXX ), refuses to take calls or correspondence regarding prior coverage. XXXX is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX not paying bills or taking calls, since my mother 's employer chose another carrier. My parent 's don't have an Explanation of Benefits ( EOB ) from services provided by XXXX XXXX XXXXXXXX, leaving me unable to verify whether my insurance was ever billed. Medical providers should have a responsibility to follow fact-based processes in good faith. They ask for insurance information before they will even see or treat you in an emergency situation. Yet, they don't follow through with the accurate and timely billing of your insurance, or give you an opportunity to ask questions or dispute claims. I should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. I do not and did not authorize the release of my information to any third party. National Recovery Agency has damaged my credit based on unverifiable information.
07/14/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 129XX
Web
National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
05/18/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11377
Web
I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with ( XXXX XXXXXXXX XXXX ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022, I have not received any documentary evidence such as a trilateral contract giving ( XXXX XXXX XXXX ) any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX ) before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If ( XXXX XXXX XXXX ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until ( XXXX XXXX XXXX ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX XXXX XXXX ) continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
12/26/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19132
Web Servicemember
Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
05/02/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • PA
  • 185XX
Web
A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name.
11/19/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • RI
  • 02904
Web
My name is XXXX XXXX, last $ of SS : XXXX. I saw that I had XXXX debts on my credit report. It has been over 30 days since I have been trying to get the debts verified. The XXXX debts were from XXXX and they are now with National Recovery Agency. Every time, we reach out to them, they have different information. My credit repair consultant sent them a letter yesterday after being rushed by someone who did not want to help. Here is a copy of the letter : Please receive letter and supporting documents of Validation of Debt Request for accounts listed above that we already sent to you on XXXX/XXXX/2015. We called on XXXX/XXXX/2015, a representative stated that your company will send the validation of debt within 2 weeks. We called back again on XXXX/XXXX/2015, another representative stated that the file was still with the compliance department. We just called back and spoke with a representative named XXXX who did not take the time to verify any information or asked any additional question but just told us that you only verify information through fax and rushed us to hang up It is very frustrating that the 3 times that we called that we have received different information and that XXXX would not even take the time to gather appropriate information, even after we clearly explained to her that last time they told us that the file was with compliance and to call back within 2 weeks. It is either that you are not able to verify the debt or your associates are poorly trained. Either way, per the FCTA, you had 10 business days to verify the debts and it has been one month. So, you have 24 hours to verify the debt or send a " pay per delete '' letter ; otherwise, we are submitting a complaint to the Consumer Financial Protection Bureau in regards of your inappropriate care and service to our client. If you are not able to validate debt, please send " Pay Per Delete '' letter to : XXXX XXXX XXXX # XXXX XXXX, RI XXXXEmail : XXXXXXXXXXXXThank you for your cooperation and your help.
06/23/2018 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 17036
Web Servicemember
I was contacted by the collection agency NRA regrading a debt they told me I had. The lady explained this was for an unpaid tax which made no sense to me since I am under the Military Spouce Residency Relief Act and my main residence is Florida so I do not have to pay any taxes. But she kept with the pushing and using the typical collections as to scare me and try to get me to pay something that made no sense. I spoke with my sister who has a career in collections/compliance and I allowed her to get information regarding this debt as I did not want to speak with the extremely rude and unprofessional individual, XXXX XXXX. My sister called NRA on XX/XX/2018 and gave my phone number to locate the account. She was quickly transfered to another department ( never verified who was on the phone ). Once transfered it was the same lady I had spoken to at an earlier time. My sister informed me she was rude and could have spoken in a different manner as far as professionalism. Not once during the 20 minute call did she ask is this was XXXX, or verify in any other way. The only information was that a women on the phone that had my number to locate the account in the office to get information on the account. My sister was able to obtain all of the information on the account and was in complete shock that they never verified. NOT EVEN MY NAME! At the end of the call she asked to be transfered to the manager and the agent said " are you trying to catch me in something '' and she stated to just transfer to the manager. The manager got on the line and started to speak on the account and then I informed the manager that the rep not once verified who was on the phone. She then realized that she ( the manager ) should verify and FINALLY asked if I was XXXX XXXX. NOPE she was not XXXX XXXX and told the manager that a CFPB and XXXX complaint will be filed due to giving out all account information to a third party without verification.
02/17/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 70706
Web
I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact national recovery. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with XXXX XXXX XXXX some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against XXXX XXXX XXXX or did I run into a financial hardship. I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.
02/07/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11101
Web Servicemember
NRA National Recovery Agency did not verify my debt and reported me 2 times to all credit agencies for the same debt. At or around XX/XX/XXXX I received a letter from NRA stating I owed {$250.00} to XXXX In which I did not know what they were referring to because their letter only stated XXXX {$250.00}. Send us a check. I thought it was a scam letter. I took it upon myself to investigate what they were talking about. I proceeded to logged into my old XXXX account and found out that I had a " XXXX '' balance on my account. Because I was under the impression that all my utilities bills were set up in automatic payment and there was no balance to be paid. I took a screenshot of what I saw and mailed them a copy and asked for validation. Instead, they proceeded to report Serious derogatory remarks upon my credit. Which is affecting me financially. On XX/XX/XXXX I send them a letter stating that do to the damages to my credit I will settle to pay an amount of {$200.00} dollars and a deletion of the bad reports to the credit boroughs. A very fair deal for both of us. A week later on XX/XX/XXXX I received a phone call from someone in the NRA collection agency stating they were on a capacity of supervisor in which they agreed to delete derogatory remarks on my credit and the {$200.00}. We had an agreement, and I asked them to send me a letter or an e.mail stating that they will delete derogatory remarks. They stated they couldn't or wouldn't put it in writing and that taking their word for it ; it was ok for me. My understanding is that if is not in writing is not legitimate. On XX/XX/XXXX I check my credit, and they made again a second derogatory remark. Affecting my credit further I now have a D rating on my credit. 1. I believed that I asked for validation, and they didn't act in accordance to the credit fair federal rules. 2. I wanted things in writing instead they further affected my credit.
09/13/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70471
Web
On XX/XX/22, I noticed my credit score dropped significantly. I signed into my credit report and noticed a derogatory account had been reported. I am unaware of any outstanding debts that I owe and the report had very little information other than an amount owed ( around {$350.00} ) and a XXXX # so I called the XXXX number listed on the account, it directed me to a company called National Recovery Agency. XXXX. There was an automative service designed to collect the payment owed but I asked to speak to an agent. The first agent hung up on me after I said I have no idea what this debt is and no record or mail pertaining to this debt and having that information is what the proper and lawful procedure is for collecting debt. I called back and the second agent would not give me any information, said something about a lawyer and hung up on me. Both agents were extremely rude and unprofessional. I still have no idea what this debt is and they refuse to tell me all while demanding I pay it and hurting my credit score. I have reason to believe this company is not operating in good faith and is possibly operating illegally. I am not just concerned for myself but for others. I read the many complaints on the XXXX and its all very similar w/o any resolution. I reported this to XXXX, and have filed a complaint with the XXXX I have no way to reslove this with the company b/c the company refuses to even tell me what this debt is. And yes they did harass me with phone calls and texts prior but I didnt answer the voicemails or texts assuming it was an obvious scam since I am completely unaware of any outstanding debt owed nor has any record of it been mailed to me so I figured it was an attempt to collect information from me. I would block the # and they would call from different phone # which lead me to believe they are definitely scammers. Please investigate National Recovery Agency.
09/15/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • XXXXX
Web
In a letter dated XXXX XXXX, XXXX, a Debt Collector by the name of NRA Group , LLC, stated that XXXX SCRIPTS, has indicated a delinquent debt of {$250.00} that is owed to them. EXPRESS SCRIPTS is the pharmacy provider for my employer 's private insurance provided through XXXX XXXX XXXX XXXX XXXX. The only phone number provided for XXXX XXXX was XXXX in which to make a payment. I contacted our XXXX XXXX XXXX XXXX XXXX XXXX, a service provided by my employer to assist with benefit resources. They were able to determine that the actual pharmacy involved was XXXX, a specialty pharmacy that is a subsidiary of XXXX SCRIPTS. XXXX was able to contact them and arranged a conference call with XXXX on XXXX/XXXX/XXXX. We spoke with XXXX of XXXX and asked for the date, medicine, and individual that this was prescribed for. XXXX indicated that this was a medicine that they had filled for my XXXX year old daughter, XXXX. I specifically told XXXX that we never were told by XXXX when they arranged the shipment to XXXX 's doctor that there would be a {$250.00} co-pay, they never sent us a bill, either XXXX nor XXXX SCRIPTS, and when asked, XXXX stated XXXX, you 're the primary insurance holder. '' I told her the debt was not mine and they should 've sent a bill. XXXX stated that it was probably sent to the doctor 's office. XXXX is supposed to send a bill but stated it XXXX take up to XXXX weeks before I will see it so that this can be submitted to my daughter 's secondary insurance ( which they never asked for XXXX. Complicating this issue is the fact that XXXX stated that this was for a Lupaneta XXXX, which was never prescribed by the doctor. In fact, XXXX attempted to send that out but we stated that it was never prescribed and contacted the doctor 's office to ensure that this had not been ordered by their office. The only medicine prescribed was a XXXX single pack.
03/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02128
Web
I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon
06/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MN
  • 55379
Web
On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.
11/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12302
Web Older American, Servicemember
The prior tenants failed to pay XXXX XXXX from approximately XXXX to XX/XX/XXXX. I became owner of the subject property by Deed recorded XX/XX/XXXX. I activated an account with XXXX XXXX on or about XX/XX/XXXX. My account XXXX was always paid on time. XXXX XXXX, its agents, servants and/or employees, broke into and entered my property and placed tubular locks on the electric and gas services on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX transferred {$2800.00} to my account which was paid in full at the time { copy of bill attached }. The {$2800.00} was incurred by a tenant, XXXX XXXX, who is now deceased. I have advised XXXX XXXX of this fact on numerous occasions. On XX/XX/XXXX, I wrote to XXXX XXXX detailing the situation { copy of letter attached } ; no response was received by me. By notice dated XX/XX/XXXXXXXX { copy attached }, XXXX XXXX XXXX was attempting to collect the debt and on XX/XX/XXXX, I wrote to XXXX { copy of letter attached }. As evidenced by the Monthly Bill History furnished by XXXX XXXX, the charges originated in XXXX ; its is my contention that the charges date back before XX/XX/XXXXXXXX which was the date of the last meter reading requested by XXXX XXXX and the date that her account was closed. The Statute of Limitations within which to attempt to collect these charges has expired. Pursuant to the Federal Fair Debt Collections Practices Act, the debt collector knows, or should know, that the debt is too old to collect on, and they have FAILED to do the following : { a } Tell me that the statute of limitations may have expired ; { b } Tell me that it is a violation of the Federal FDCPA to sue to collect a debt for which the statute of limitations has expired ; { c } Tell me that I do not have to admit to owing the debt, promise to pay the debt, or give up my rights regarding the statute of limitations.
10/20/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 175XX
Web Older American
XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated. My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information. The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA. When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date. Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed? Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.
09/09/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 195XX
Web
I owned a property XXXX XXXX XXXX XXXX XXXXXXXX PA for may years and had it rented. During these years I paid the required housing permit fees and business privilege taxes on my rental receipts. In XXXX I sold the property on a long term agreement of sale and notified the city that the property was sold. They reviewed the contract ( for a fee ) and approved the sale and understood it was no longer a rental property and I would no longer be required to pay these fees. In XXXX I received a letter XXXX indicating that I had not paid privilege tax or permit fees since XXXX and issued a bill which included past fees and penalties. I reminded them of the letter which they issued to me in XXXX and provided it to them. All of this was done in the same department XXXX, but with different employees. I spoke with everyone, except the Solicitor XXXX who did not return my calls or emails ) and was told " we changed our policy ''. My response is and always has been, they could change the policy on new transactions, but my contract was already exempt. Needless to say, this fell on deaf ears and they have continued to bill me and have sent this to a collection agency. My credit has been damaged badly and I seem to have no recourse. I settled on the property after the buyer made his last payment at the end of XXXX, but I still am fighting XXXX on this. Attached is the letters XX/XX/XXXX exempting me from the fees, the letter XX/XX/XXXX trying to collect past fees, the statements from the collection agency, the most recent letters from the collection agency and XXXX indicating that I still owe the fees, and a page on my credit report showing the collection and my otherwise perfect credit. This has cased me great harm, I can not get the same rates or credit that I should be entitled to. Please help me with this problem. Thank you, XXXX XXXX
06/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Good Afternoon and please help me~!!! I'm not quite sure who i need to reach out in regards to this, but back in XX/XX/XXXX-XX/XX/2018 i resolved this issue here with XXXX XXXX and disputed it directly with them and the company that held this debt. It was determined that the account was not mine and it was deleted from all the 3 major credit bureaus. Today i pulled my credit and not only i found the only negative thing on my credit, but totally different collection name, different account number and different open date. This is wrong. Again, 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.
11/28/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DE
  • 19702
Web
On XX/XX/XXXX I received a notification from XXXX XXXX monitoring that a collection account was placed on my credit report. The collection account states National Recovery Agency placed a collection account on my credit report referencing that I owe them {$160.00}. I have never received any written notice stating I owe a debt or allowing me to exercise my consumer rights to ask for validation of the debt that is claimed that I owe. These practices are deceptive and violate my rights. Under the law a collection agency is required to contact a consumer in writing about an alleged debt and provide the consumer with the write to challenge the debt which would provide me with the name of the creditor, a statement that unless states I have XXXX days to dispute the debt before the agency will assume the debt is valid. This company fraudulently placed this collection on my credit reports that is not owed by my person. I am asking this company to DELETE this collection account immediately because my rights were violated. Please provide me with Validation of this debt as well as : 1.an affidavit from the original creditor that allows you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claim 4. Proof that the statute of limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 5. Show me that you are licensed to collect in my state and your license numbers and REGISTERED agent information. Your offices have reported inaccurate information to my credit report and I am ready and willing to bring legal action if this is not deleted immediately.
12/23/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10462
Web
Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX # XXXX DISPUTED This agency never contacted me before placing this on my credit report. I found out about this because my credit score shot down 62 points, so I went to check my credit report that 's how I found out. I received no phone calls and no notices what so ever. I call this agency and explained to them that this was never my account on XXXX,17. I also called XXXX, on that same day, I was connected to the financing services department she looked in my account and stated that in my account it says all previous balances paid in full. She then connected me to the credit recovery department and they stated that it was nothing they could do about it, because XXXX, had already sold it to a third party. The Representative then said that they could not send out a notice stating that the account was paid in full, because it was something still on the account. She told me that I could call the third-party and asked them to send the file back, so they could investigate why it was sold. She said Because at this time she cant see anything in the file because the third-party has that information. I called XXXX XXXX XXXX, back and explain to them what XXXX, representative had said. They told me that they have no more information, other than what XXXX gave them which is : my name address, Social Security number and how much I owed. And then said, what they would do is contact XXXX, and tell them the file in question, has been disputed and that would give XXXX more time to find out what happened, meanwhile after the results from XXXX, from my complaint nothing has changed they claim they had verifiable information I find that strange, being that I have not received any verifiable information as yet.
01/31/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77379
Web
I found out on XX/XX/2020 about information sent to collections through credit monitoring services. Upon calling the collections agency appearing on my credit report, I was told it was for XXXX XXXX in the amount of {$100.00} I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from XXXX XXXX, their billing company ( XXXX XXXX XXXX ) or National Recovery Agency ( collections agency ) prior to placing on my credit report. I got XXXX number from the collection agency and been trying to get to the bottom of this. Both the billing company and collections agency had my city wrong when I called them and they asked me to verify. I have been met with unprofessionalism when talking with employees at National Recovery Agency and XXXX XXXX XXXX. I was told by XXXX XXXX XXXX on XX/XX/2020 that my dispute was received. I also notified the collections agency that I was going to dispute. I'm attaching the dispute letter. Multiple calls made last week to XXXX XXXX XXXX were going to voicemail - no one answered phone throughout the day. I left a message and the rep ( XXXX ) that called me back had a phone number showing up as SPAM LIKELY. I answered the call because I recognized it as the number I had been calling. XXXX told me my dispute was sent to XXXX XXXX for review and they will make decision. She refused to give me info about XXXX XXXX as I wanted to contact them directly and told me to XXXX it. I don't know how to reach them, but left a message on XX/XX/2020 for the City of XXXX Community Rep to see if she can help and have not received a call back thus far. Please investigate XXXX XXXX, XXXX XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.
10/25/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • XXXXX
Web
I've just learned that National Recovery Agency has gone around my back yet again to deliver more false info, this time being my address, or one associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " NRA '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...
08/31/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 759XX
Web
National Recovery Agency has placed 4 accounts on my credit report for collections from XXXX XXXX XXXX XXXX. Each with dates and amounts that I have spoken to the hospital regarding and have confirmed with them they have no record of myself or my children XXXX of which is XXXX the other XXXX are XXXX being seen on the dates reported or any history of me owing the amounts listed. I have disputed the collections with the credit agencies and requested validation letters for the debits but have not received them and they wont remove them from my credit report and continue to report on them monthly. The most recent account was placed on my report today saying I owe {$580.00} dollars for an original service date of XX/XX/XXXX. This hospital is located in Texas and I have not been in the state of Texas since XXXX of XXXX as I have been working out of state. The other 3 accounts that they have failed to validate are 2 for the date of XXXX, XXXX on in the amount of {$1500.00} and the other for {$1000.00}. The final is dated for XXXX XXXX, XXXX in the amount of {$510.00}. As I said previously I spoke to the billing department who has confirmed several time that they have no record of these debts I allegedly owe to them for these dates or amounts. Since National Recovery Agency has failed to send the requested information to validate the debts I suspect they do not have it and they know the information they have entered is false and they are attempting to collect on a debt greater than 4 years old which is the statue of limitations for medical debt in Texas and are attempting to collect on debts much older than that by lying about the original date of the debt and illegally re-aging the debt to make it appear more recent. I want them removed from my credit report immediately.
01/12/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 493XX
Web
National Recovery Agency ( hereinafter NRA ) is obligated and has failed to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency. has furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. NRA has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. This consumer has yet to receive a written Notice of negative/adverse information from NRA and the time allotted for doing so has since expired. NRA has incurred statutory liability under the Fair Credit Reporting Act as a direct result of its failure to comply with the above mentioned title and section. NRA is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). NRA has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). NRA has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX and XXXX. NRA has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ). On or around XX/XX/2023 NRA communicated a text message stating I owe a debt without informing me that this debt can be disputed. I communicated back to mark this debt as disputed and to cease contact. On XX/XX/XXXX, I received back to back phone calls with a voicemail left regarding this alleged debt. Another clear Violation of the FDCPA.
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43207
Web
I spoke with XXXX XXXX regarding an " ESTIMATE ONLY '' on getting new XXXX. They told me they have " FREE EXAMS ''. I gave my insurance information over the phone and explained to them that I was looking around and getting evaluations of prices on XXXX. I was told that they give free evaluations. I also explained that I had the X-rays that were only days old from a previous XXXX. They told me to bring them with me, which I did. Upon arriving, they insisted that the XXXX I had brought wouldn't do. And it was " FREE EXAMS ''. Then they took new XXXX and looked into my mouth and sent me back up front to the receptionist. She told me the price and already ran a " credit account '' for my payments. I was EXTREMELY upset and told her that I was in BANKRUPTCY and could not apply for credit, I told her that she was going to cause me to lose my home! I told her this was only an EVALUATION, nothing else. I fully explained myself at each point of service that I was looking for prices only! I had to immediately contact my BANKRUPTCY ATTORNEY and the CREDIT COMPANY who SHE APPLIED WITHOUT MY CONSENT that I DID NOT DO THIS!!. Then they have the nerve to Bill my insurance and to me,, which " FREE EXAM '' is {$.00}. I have explained every time they called for payment. They refuse to do anything. This is BLANTANT FALSE ADVERTISEMENT. Now it's been affecting my credit rating and I'm working on getting out of Bankruptcy next year. So I've been trying to fix the problems now. NTL RECOVERY AGENCY Last reported XX/XX/2021 {$74.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX
11/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 435XX
Web
in XXXX XXXX XXXX XXXX was charging me for utilities in an apartment after I had moved out. It was corporate housing for work I was doing in XXXX, MA area XXXX, MA to be exact. When I got the bill I called XXXX XXXX several times to discuss, eventually speaking to them on a three-way call with the apartment complex, confirming that the subsequent renter had in fact changed the utilities to their name and that I had filed the appropriate paperwork upon moving. The agent for the XXXX XXXX XXXX indicated that they had corrected the item and nothing further needed to be done. I never received any subsequent bills or statements to my permanent address which I updated on XXXX XXXX XXXX Website, the Apartment Complex ( XXXX XXXX at XXXX ), and on the phone with the agents. This month I noticed an item on my credit report and disputed it with all three agencies. XXXX concluded their investigation indicating that they " validated the debt. '' The XXXX online form does not provide a legal explanation of why I am disputing the debt. I am a XXXX ( licensed in Michigan XXXX XXXX. XXXX ) and provided, in the limited space the best legal summary I could citing the doctrine of Estoppel indicating no actual proof of the debt exist of the debt. NATIONAL RECOVERY AGENCY, the collection agency continues to call and harass me. Their contact info is : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX I would like the report removed from all credit bureaus and the record corrected. I have all the documentation as I am an XXXX. The credit bureaus do not allow attachment of documents and any further contact on my part would only serve to validate this false claim. I have attached my copy of my final bill the month I moved out.
08/19/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80124
Web Older American
The XXXX XXXX XXXX XXXX is attempting to collect a debt from XXXX XXXX in the amount of {$5100.00} that is not owed for medication my wife XXXX has taken for the last ten years. Her prescription has been supported by XXXX XXXX since the beginning and still is supported currently to date. The most we have ever paid for the prescription is {$10.00}. We switched health insurance in approximately XX/XX/XXXX and her prescription fulfilment was then switched to XXXX XXXX. There was a mistake in the paperwork handoff and XXXX XXXX mistakenly alleged we owed {$5100.00} for a prescription we did not receive. I spent hours on the phone with XXXX XXXX, XXXX and XXXXXXXX XXXX as did my wife trying to correct this mistake made by XXXX XXXX. In XX/XX/XXXX we seemed to finally have the mistake resolved and did not hear anything from XXXX XXXX again. Suddenly, XX/XX/XXXX we received a letter from the NRA Group , LLC demanding payment for {$5100.00} for the mistake by XXXX XXXX. I immediately wrote NRA Group explaining I did not owe that money and requested competent evidence that I had a legal obligation to pay this debt and also requested they cease communications, written and via telephone until they could verify I owed this debt. NRA Group responded with a computer screenshot showing {$5100.00} but no evidence I owed the debt. NRA group has now sent six letters every ten days demanding payment and is now threatening to mount a telephone harassment campaign against me. I have responded to every letter sent by NRA Group requesting evidence this debt is owed and requesting they cease communication until they provide evidence. They refuse to comply and instead are harassing me and threatening further harassment.
12/13/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85340
Web Servicemember
I submitted a complaint through CFPB ( XXXX ) saying : The national recovery agency , acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue. The company pursuing it said : NRA Group , LLC is in receipt of the consumer 's complaint. Based on our records XXXX XXXX was sent documents establishing the debt, on XX/XX/XXXX XXXX However, as this debt at issue is, based on our records, the the debt is a repayment obligation from her employer, and therefore, an argument could be made that the debt at issue does not fall under the category of consumer debt, and as this debt could be considered not to be consumer debt, an further argument could be made that the debt in question is not covered under the Fair Debt Collection Practices Act ( FDCPA ) or be regulated by the Consumer Financial Protection Board ( CFPB ), and therefore no further response is required. and then closed my case. Why was this closed when it is not resolved? Them just saying we sent you letter is proof enough? I need proof of debt verification.
01/22/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60607
Web
On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the National Recovery Agency. NRA has now incorrectly reported me as " past due '' for this item. I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of NRA.
08/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Listen, i've tried several times to get this account resolved but unfortunately, i haven't been successful as of yet. I've sent all the documetns and forms that were requested of affidavit and it still reports on my credit. The only thing i got back from National Recovery COllection company are bunch of pre-printed statement. Again, 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.
05/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • ND
  • 58601
Web
I received an alert from XXXX stating that XXXX XXXX had reported XXXX past due balance on my report which caused it to reduce by 72 points. I went to the XXXX XXXX store located in XXXX, North Dakota in XX/XX/XXXX to upgrade my telephone and add a line for my daughter, and in order to process the upgrade I was told that I had to pay everything from a sub-account that I had cancelled with XXXX the month prior. I never received bills for this account and was overcharged repeatedly and have logged complaint calls with XXXX regarding this account from it's inception until it's completion. This was paid in full in the store and I was able to upgrade my plan and purchase a newer phone. I have XXXX phone lines through XXXX and they are all current and I never heard anything else about this old sub-account until I checked my credit report and saw that XXXX had reported it late as of XX/XX/XXXX. I called XXXX and they told me that they would not be able to help me because it has been sold to a debt collection company and to contact them. I told them that they said if I am disputing the charge, I have to contact XXXX directly-and that nobody would tell me why this paid account is showing outstanding or why on earth it was sent to a debt collection company without me having any knowledge whatsoever by phone call or in writing that there was anything outstanding. They told me they can't help me. This is ridiculous. I can't seem to figure out how they can just send things to a 3rd party collection agency without notifying me beforehand so that I can dispute this in person and show them I have a receipt for payment.
10/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32216
Web
Based on your company feedback : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. According to our records, we previously mailed itemized bills to the consumer in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, our company has ceased all communications per the consumer 's request as of XX/XX/XXXX. Unfortunately, NRA Group LLC is unable to open the consumer 's attachments due to the nature of the files. '' You are in fact now knowingly and willfully in violation. Pursuant to 15 USC 1693n-Criminal Liability : ( a ) Violations respecting giving of false or inaccurate information, failure to provide information, and failure to comply with provisions of this subchapter Whoever knowingly and willfully ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter or any regulation issued thereunder; or ( 2 ) otherwise fails to comply with any provision of this subchapter ; shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. On XX/XX/XXXX, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 191XX
Web
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. Upon reviewing, I came across a few accounts that I believe may not be 100 % accurate and would like further information on to investigate. The fair credit reporting act states that by law, I have the right to challenge anything that I am not sure is accurate. I am not familiar with some of the reportings on my credit report, which is why I am seeking investigation. 15 USC sec 1681 i ( a ) by law states that if you can not provide proof for the accounts, they must be deleted. I am requesting for these accounts to investigated. Please delete my accounts if discovered that any information is not 100 % accurate. I saw a credit site that states investigations have a 30 day window to complete investigations by law. I am asking to please investigate the following accounts and remove any information that is not 100 % accurate upon review. Account : -Name : national recovery agency /original creditor : XXXX XXXX Account XXXX XXXX *Please investigate if every piece of information is 100 % correct and accurate. If not, please remove it from my credit report. Ive also read ( free Lawer guy online ) that I can be provided with a copy of the report and its results upon completion of the 30 day investigation. Please provide me a copy of this investigation. Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address on this letter. I greatly appreciate your time and help in this matter. Kind regards, XXXX XXXX
10/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 17109
Web
NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$250.00} NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
09/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 01876
Web
This complain is regarding XXXX XXXX and their collection agencies brutal and dishonest practices. I was on deferred plan to pay my gas bill back in XXXX. When I moved out of that rental place and closed my utility account - I recieve my final bill. Since I was keeping very accurate records - I noticed immediately that my last bill for that account was inflated - it looked much higher than I estimated. I disputed it directly with XXXX XXXX and sent them my detail excel spreadsheet reconciliation showing how much you date I was billed for and how much you date I paid. They never even bothered to counter back and show why they think their calculation is correct. They just responded back that if I don't pay the remaining balance - they will make sure to ruin my credit score. And they did. As the last attempt, few months ago in 2020 now I attempted to resolve this matter with their collection agency. I even offered to settle the amount that I didn't owe in the first place. Well, the collection rep. had a very big mouth and nasty attitude ( no shocker ) and said that no matter how much proof and reconciliation I sent to her or to XX/XX/XXXX - it won't matter because I quote " they are always right. '' I feel insulted and unprotected as a hardworking consumer because monster companies like XXXX XXXX allowed to monopolize and overrule the utilities market and abuse their consumers rights. I'm not building much illusion that this complain will solve anything. I'm just putting it out here in hopes to make it public and see if the class action can be initiated against these monsters.
08/14/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21204
Web
In XXXX of XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XXXX XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a XXXX XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX XXXX XXXX XXXX for a visit on XXXX/XXXX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XXXX XXXX ) discovered that the same charge appeared back on the XXXX and XXXX reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XXXX XXXX.
07/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17036
Web
NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. I requested Name, Address and License Number and they hung up on me. Three times. They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. I never received written notice of the dispute verification within the 5 day allowance. They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 024XX
Web
On XX/XX/20 a " collection '' was placed on my XXXX credit report by an anonymous company just listed as " collection '' without any information other than a phone number. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ) After calling the number listed, the operator informed me the call was recorded and an attempt to collect a debt. I asked the caller to operator to verify the company information, and the original creditor, XXXX XXXX. I informed the operator I had not had an account with them in over two years, and would be disputing the debt. I informed the debt collector that I would call XXXX XXXX to dispute the charges as well. The debt collector attempted to gain additional information regarding my contacts, and informed me that contacting the original creditor to verify and dispute the debt was not an option as they would only 'send me back to the collector. '' I verified my address and telephone information was correct, and informed them I had never received a notice in writing, informing me of my right to verify or dispute the debt. I contacted XXXX XXXX to dispute the original charges, as I was not a resident at the location on the dates in question. XXXX XXXX informed me the charges, which are over 2 years old, would remain on my report despite the dispute, and incorrect dates and charges. XXXX XXXX confirmed my contact information as well, and never took steps to notify me of the debt prior to initiating collection activities. XXXX XXXX, and this Collection Company, are in violation of fair debt collection practices.
09/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02905
Web
This company has been continually harassing my wife and I, despite the fact that this debt was not owed and this issue was discussed and settled with the XXXX XXXX XXXX 4 years ago. We do not owe the gym money, we never owed this amount shown and we resolved this years ago. XXXX ______________________ NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX, Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment. To pay online please visit our payment portal at XXXX : XXXX XXXX NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX , Your account has been forwarded to this office for collections. Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment.
10/04/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 15217
Web
Below please find excerpts from a deb collection letter received by me : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Toll free XXXX " Dear first name, last name, National Recovery Agency in a debt collector. We are trying to collect debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' Our information shows : As of XX/XX/XXXX you owed {$280.00} ___________________________________________________________________ There is more on the letter sent but I can not rewrite the entire notice. I do not use " XXXXXXXX XXXX '' for medication. I use XXXXXXXX XXXX XXXX which falls under the umbrella organization of " XXXXXXXX XXXX ''. I spoke with botXXXX XXXX XXXX XXXX XXXX ( which I have used in the past ) on XX/XX/XXXX and both companies confirm that I have no outstanding debt and that all payments were received in full. Furthermore, the date of service on the collection letter does not coincide with any date I may have used " XXXX XXXX '' When I called National Recovery Agency on XX/XX/XXXX the first thing they asked me in a brash manner was " how did you get this number? '' That seemed odd because obviously I would be calling them about my debt collection letter. They then could provide no further information regarding the claim or the date of service. They became condescending and belittling. I conference called National Recovery Agency with XXXXXXXX XXXX on the line to try to settle any discrepancies and no further information about the debt they were trying to collect could be offered.
08/24/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 17601
Web
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 for XXXX XXXX ( I was going XXXX XXXX XXXX XXXX on all the medications my XXXX XXXX XXXX XXXX XXXX XXXX had prescribed ). My family doctor called ahead to the XXXX to advise I needed an XXXX XXXX XXXX Upon arrival, I was assessed by a XXXX XXXX ( elapsed time : 3 minutes ) who obviously concurred with my XXXX XXXX XXXX and I was then put on a waiting list. During this 3-minute assessment, I also had my XXXX XXXX XXXX XXXX XXXX After over 5 hours of waiting ( XXXX XXXX XXXX XXXX ), I left- without receiving any treatment. The hospital then, in my opinion, fraudulently proceeded to charge my insurance over {$1100.00}. These charges were line-itemized for XXXX and testing ( total {$190.00} ) and XXXX XXXX XXXX XXXX '' which amounted to an astonishing {$930.00}! {$930.00} to WAIT in the waiting room!! I contacted the hospital to dispute this line-item charge and was told that the charge was reviewed by their board. I came to find out that the " board '' was a group of paid hospital employees! Isn't that the legal definition of duress? A 2nd review was performed by an outside agency, again PAID by the HOSPITAL. Obviously this process lacks valid objectivity. The hospital withdrew from communication through the XXXX XXXX XXXX XXXX paid their portion of the fraudulent {$930.00} line-item and left me with a balance of {$250.00} which the hospital sent to a debt-collection agency, National Recovery. I told National that the charges are dishonest but they continue to harass me.
11/03/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92262
Web Older American
Constantly getting text messages from this group saying I owe money to something called The Department XXXX XXXX. They dont say which XXXX XXXX XXXX just the vague XXXX XXXX XXXX XXXX Ive checked with my medical providers and I dont owe anyone money so I suspect its a scam they are trying to pull. They seem to have my address but dont send a bill or any other information, just text messages so it seems like something fishy to me. Ive checked into them on the web and theres a lot of others who seem to be having the same scam sent to them. Heres a copy of a text message. Important message about your XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. Creditor : XXXX XXXX XXXX Balance : {$82.00} National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX XXXX Email XXXX www.nationalrecovery.com A Responsible Revenue Recovery Company To stop receiving text messages reply STOP Visit our mobile portal at XXXX? XXXXXXXX XXXX XXXX Login to our secure Portal using ID # XXXX. Password is your 5 digit Zip code. Visit our website at XXXX? XXXX XXXX XXXX our Virtual Agent available for your convenience 24 hours a day 7 day a week XXXX or feel free to ask for an agent.
01/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 334XX
Web
I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.
12/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 403XX
Web Servicemember
on XX/XX/XXXX I received a e-mail from National Recovery Agency about a bill In the amount of {$47.00} their ID is XXXX ( copy from the e-mail NRA ID:XXXX Statement Date:XX/XX/XXXX Total Due : {$47.00} ) I replied to their email ( copy of what I e-mailed back ) ( To Whom it May concern : My wife nor I have never ordered anything from The XXXX XXXX XXXX. What i think this is, probably is a bill for My late Father XXXX XXXX. Please provide me with a copy of the original bill so that I can verify That this is the case. I need to see when the order was placed, and where it was shipped to. If this is truly My late fathers bill I will provide you with a death certificate and other important Information. I was appointed the administrator of his estate and I had his mail forwarded to my address. They never responded to my request. Then on XXXX they sent another collection notice. More than likely this is a real old bill of my late mothers who passed away in XX/XX/XXXX, My dad passed away in XX/XX/XXXX. The Court ordered that dads estate to be settled and the closed the file and all money was paid out to all known creditors in XX/XX/XXXX.. According to the estate attorney any bill that came in after the date of discharge were void and not collectable. With my Dad and I having similar names I have had other problems with this issue of his bills being put on my credit report. I also have mailed them another letter. attached is the first e-mails, the 2nd e-mail and the current letter. Thank you for your help.
06/22/2019 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
  • Problem with personal statement of dispute
  • NY
  • 141XX
Web Servicemember
On XX/XX/2018 I had a XXXX XXXX XXXX done. I was XXXX at the time, but due to a strong family history of XXXX XXXX, I had to have XXXX done starting at age XXXX. The billing department forgot to code the XXXX with " family history '' and I was denied as " non covered benefit '' because of my age. I never received any notification that this was unresolved until it showed up on my credit report. I disputed it thru my XXXX XXXX app, and it was determined that the account was valid. I reached out to the Doctors office and explained that it was not clear to me why a XXXX XXXX which is covered at 100 % on my policy is now a negative remark on my credit report and in collections. The doctors office advised that they fired their billing agency because this happens all of the time and that they would write it off because it was beyond the 120 days to alter the medical claim, that my chart indicated in several places that this was a covered benefit because of family history and it was an office error that the account was placed into collections. It is still negatively impacting my credit score. I have reached out to the credit collections company and advised everything to them about this and they won't do anything about this. The {$380.00} is the responsibility of the doctors office. They filed the claim wrong. They waited too long to correct it. They didn't do what they were supposed to do. My insurance company would have paid this at 100 % had the billing office done their job correctly.
12/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19124
Web
I, XXXX XXXX a consumer citizen of heaven am writing in response to an alleged debt which was sent to the address of XXXX XXXX XXXX XXXX # XXXX. This letter was received on XX/XX/2021. Letter attached. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. National Recovery Agency response did not address any of my complaint and purposely deflected providing me answers in their most recent correspondence. My request was specific. The alleged debt was not verified. A correspondence letter was sent on XX/XX/2021. I, XXXX XXXX did not conduct any business with the above company in the past or currently. In addition, they have violated my privacy. I did not sign any forms authorizing National Recovery Agency to access any information pertaining to me. I have been violated and will be turning this matter over to the office of Civil Rights ( OCR ). This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation requested ( FDCP 15 USC 1692g Sec 809b ) be executed. I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and their organization bearing my signatures. This has a severe negative affect on me as a consumer and is violating the FCRA. This is jeopardizing my reputation as a consumer.
07/22/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90016
Web Servicemember
On XX/XX/XXXX I noticed a new collection account had posted on my credit report and it was by a National Recovery Agency. The collection amount was for {$330.00} and it was said to have been opened/service sometime in XX/XX/XXXX. The collection first showed on my report in XX/XX/XXXX but was first reported in XX/XX/XXXX. I initially spoke with National Recovery Agency on that same day, XX/XX/XXXX. On that day I was told by a representative and a supervisor that the company could not tell me the nature of the debt. They also could not tell me what service I was supposed to have used during the said service period. I told NRA the debt was not mine for the simple fact that I NEVER had signed up for any of XXXX 's services. NRA could not give me any answers so they referred me to speak with the original creditor, XXXX. After spending over a half an hour on the phone with NRA, I called XXXX. Speaking with XXXX was worst because I spent over 4 hours speaking to a rep. in every single department within XXXX. XXXX had no recollection of me having service during the said period in XX/XX/XXXX. XXXX has an old account under the name XXXX XXXX but it was paid off, with a {$0.00} balance back in XX/XX/XXXX. Everyone I spoke to, in every single department refused to give me anything in writing. They also refused to tell their own hired company NRA to stop reporting me. I spoke to NRA again on XX/XX/XXXX and asked again for something in writing about this debt and again they refused.
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 190XX
Web
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
10/14/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32216
Web
I have sent several request requesting Validation of an account on my consumer report. National Recovery Act XXXX, XXXX,XXXX. I've sent letters requesting Validation to XXXX XXXX, XXXX and XXXX. XXXX and XXXX could not validate the account pursuant to 15 usc 1692g therefore accounts were removed/deleted from XXXX and XXXX reports . National Recovery could not send validation pursuant to 15c usc 1692g so accounts are still reporting on XXXX. How is it that the accounts could not be validated via the other Repositories but yet XXXX is still reporting this false and misleading information on my consumer reports. XXXX Is in fact in violation of 15 use 1681b-Permissible Purposes on consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the Consumer never gave XXXX consent to report National Recovery Agency on my consumer reports. In fact, since failure to comply with the validity of this account. Account needs to be XXXX XXXX and removed from my consumer report. XXXX also is in violation of 15 usc 6802-OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. The sharing of my information and communication with any person other than the consumer, without consent of the consumer is a violation and infringement on consumers right to privacy.
10/09/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17331
Web
In XX/XX/2015, I was injured in a work related accident. I was taken to the hospital for treatment. I told the hospital staff that there was a piece of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX area. The hospital staff disagreed, XXXX XXXX XXXX, and sent me home. A week later I returned to have the XXXX XXXX, and again informed them that there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They again disagreed, told me that the XXXX that I could feel was just a XXXX, and refused to further investigate. The following week the XXXX had significantly diminished, and I was still living in pain from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I returned to the hospital a 3rd time, and they finally took XXXX, and found an 11.5 mm XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They XXXX XXXX XXXX, XXXX XXXX XXXX, and sent me home. The entirety of the treatment was to be covered under workman 's comp. 13 months later I became aware of a debt collection for {$240.00} that originated from the imaging department of the hospital on my credit report. I have called the hospital and the collection agency numerous times and informed them that this was to be paid by workmans comp, and gave them the contact information for my workmans comp representative. When that failed to garner results, I disputed this debt with the credit reporting agencies numerous times. To date, the debt still remains on my credit report from at least on reporting agency.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38301
Web
On XX/XX/2023 I filed a CFPB compliant on National Recovery Agency complaint number XXXX due to this company not being licensed as a debt collector in my state. I received a response back from XXXX XXXX the compliance agent for NRA Group LLC. He stated that his company was indeed licensed to collect debt in my state and gave a license number of XXXX and stated they were doing business in my state as XXXX XXXX. Upon searching nmlsconsumeraccess.org XXXX XXXX XXXX has a NMLS number of XXXX and NRA Group LLC has a NMLS number of XXXX. Neither of which has a debt collectors license to collect in my state. The XXXX XXXX XXXX XXXX also has a NMLS number of XXXX and also doesnt have debt collectors license in my state. See attachments. Futher more upon searching my states Secretary Of State website for business entities authorized to do business in my state neither XXXX XXXX or NRA Group LLC are active entities allowed to do any business in my state. This is a clear violation of the FCRA and FDCPA as this company is engaging in false and deceptive practices to try to persuade me into believing that I owe a debt to them and furnishing my credit reports with invalidated inaccurate accounts. I have sent this company a validation letter from them to validate this alleged debt that they say I owe to them. See attachments. I have tried to handle this matter with this company on several occasions. My Attorney General and the XXXX have now been made aware of this situation.
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75208
Web
I called National Recovery Agency on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. National Recovery Agency has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from National Recovery Agency. I keep a XXXX number and a US address. My US phone number and US address is clearly on my credit reports, so National Recovery Agency has my current contact information. The representative told me there are XXXX accounts with my name showing XXXX XXXX XXXX. I have never lived in either state nor traveled to those states. The original creditor, City of XXXX XXXX is also not in the state of XXXX XXXX XXXX, but in the state of XXXX. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( City of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
04/08/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19116
Web
I was advised by my XXXX doctor that if I want to, I can get a XXXX XXXX XXXX at my local hospital but that my insurance would not cover it and it is a {$60.00} out of pocket fee. I decided to be better safe than sorry and I set up an appointment at XXXX XXXX Hospital and asked again at that time how much this will be. again i was told that it is a {$60.00} out of pocket cost and that insurance does not cover the test. I went in and had the test done at which time I paid the bill of {$60.00} expecting my results to be forwarded to my XXXX doctor. After not receiving any results from the hospital or from my doctor I assumed that the results were good and no news is good news. Several months later I received a bill from a place in NJ ( XXXX XXXX XXXX XXXX XXXX XXXX ) for the amount of {$220.00}. I then contacted a representative from that company and told them that I paid for the test at the time of the appointment and she said that it must be an error on their end and that she would take care of it. Well long story short, they sent it to collections and now my credit score has been affected by this not to mention my ability to refinance mt home at a lower rate. I never asked for a third party to review my records of to get involved in this matter at all. the reason i took thetest was because I could only afford the {$60.00}. I never received any type of paperwork or test results from XXXX XXXX XXXX XXXX. Thank you for your help XXXX XXXX
02/05/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10473
Web Servicemember
Hi, My name is XXXX XXXX and I am currently mobilized with the XXXX XXXX. I'm updating my security clearance and a collection charge of {$950.00} dated XX/XX/18 shows in my credit reports. The agency handling the case is National Recovery located at XXXX XXXX XXXX, XXXX PA XXXX, PH # XXXX. Apparently is for dental services performed by XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX PA XXXX, PH # XXXX. There is no accuunt number. The issue is that I never in my life been in XXXX XXXX for any dental services. I contacted both XXXX and National recovery to resolve this problem. XXXX responded that they will take care of the problem. However, when I contacted National recovery to inform of the problem and have it corrected, the service was unprofessional. The lady who responded " do what you have to do '' on the phone, and hung up on me. She did not even give the chance to ask for her name and/or explain that due to my military status I was overseas and do not easily have access to a phone. So happens that my ship is stuck in port due to bad weather and I was able to get internet access to file this complain. As a military member, it is important that this error is corrected right away for my security clearance, therefore, I am requesting your assistance to get it resolved. I do not know when I will have access to a phone and/or the internet again, but my email address is XXXX. Your prompt help will be greatly appreciated XXXX XXXX XXXX
05/18/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46037
Web
I was alerted to National Recovery Agency after receiving a random text message. The text message was sent and contained personal information in the text message. I decided to do some research on NRA and meanwhile received a second text message. At no point was I ever contacted via mail about this debt. Only text message. I found out this was for a debt that another debt collector had closed collection on because the originator had my balance at owing {$0.00}. I sent a letter to the e-mail they provided in the text on XX/XX/XXXX asking for verification information including the original statement showing I owed as well as other verifying information. I finally got a response on XXXX that was extremely rude saying they only had to send me a bill and ONLY a bill and that was it. The man, XXXX XXXX, said he would send it to me after he received it from the originator. So NRA started collecting on a debt that YOU did not even have any verification for? Additionally, my request to see that they are licensed to collect in my state was denied, along with other information my letter asked for. I received a bill in the mail with only 2 days left to go in the 30 day mark and the bill does not match my online account. My account with the creditor says I owed {$0.00} as of XX/XX/XXXX. I moved from this location in XXXX of XXXX. XXXX says they have no record of me owing. Additionally, the last debt collector closed the collection.
02/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 028XX
Web
Dear NATL RECOVER ( Original Creditor : 10 NATIONAL GRID RHODE ISLAND ENE ) ; This is fraudulent reporting! 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.
09/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01830
Web
Hi. I used to own the properties associated with the utility debt but as soon as I sold them I closed the XXXX XXXX accounts my online portal for XXXX XXXX even shows the ending date. I tried to reconcile this back when the previous debt collector owned this debt but they said my claim was wrong and said I owed backed utilities through XX/XX/XXXX 7 months after I sold the property which is ridiculous which it is not the case I have closing documents on the property I did not even own it anymore. The new owner never turned on the utilities even though I shut them off from my end back in XX/XX/2021. Once XXXX XXXX sold to XXXX XXXX I believe they sold all the debt and now the debt collector is going after me for the balance cause I was the last person associated with the accounts. Unfortunately I paid one of the smaller collections for like XXXX because it was on my credit and I buy and fix property and it was preventing me from doing my job being on my credit. Everytime I call this debt collection company their number is busy there is not answering service and they wont respond to my emails. It is called national recovery agency. I need to get this resolved otherwise I will have to take it to court cause there is no one to help me fix the problem and I can not resume my livelihood if this hits my credit I wont be able to do a thing. Please someone help me get this resolved.
11/04/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32211
Web
I received a letter in the mail regarding a debt, I attempted to contact the number and couldn't reach anyone. On XXXX, I sent an email regarding the debt. I wanted in writing the information. XX/XX/XXXX, I received a letter from National Recovery Agency regarding a medical bill for XXXX hospital. I again emailed because you can't reach anyone by phone. On XX/XX/XXXX after sending an email. XXXX contacted me regarding the debt. I explained to her that I did not owe that amount, the amount I had indeed paid, and I supplied her with the balance I actually owed. She stated she would reach out to the company for settlement and would contact me back and even asked how I preferred to be contacted. I explained in writing, via email. She then said it would take a day or two for her to get back to me, but I would hear something. Fast forward to today and not one word and this debt has now been turned over and is reporting negatively on my credit. I have again reached out to National Recovery Agency regarding this, via email so that I have proof of everything and still have not heard one word as this sits on my credit report. I am unemployed due to Covid and explained that to XXXX and explained I wanted it settled. They have failed to do anything they stated. The conversation was recorded, as they all are. I'd like for someone to take care of this issue and take if off my credit!!
06/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38301
Web
I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
04/04/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38017
Web
The below company, National Recovery Agency, on behalf of XXXX XXXX, has been harassing me for years. XXXX XXXX is just bouncing this around to different recovery agencies to try and collect from me what was a worker 's compensation claim. I've provided many times the worker 's compensation insurance information but they do not seem to want to file for reimbursement but continue to harass me. As of XX/XX/2023, they have reported me to the credit reporting agency as a major delinquency, which is affecting my excellent credit. I need them to remove the negative credit report and stop harassing me. If they want their money, they need to submit to the worker 's compensation insurance I have provided to them many times. Important message about your XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. Original Creditor : XXXXXXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX : {$1900.00} National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX XXXX Email XXXX www.nationalrecovery.com A Responsible Revenue Recovery Company
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 383XX
Web
The company NATIONAL RECOVERY AGENCY is a debt collection company is abusing me by reporting three of the same exact alleged accounts exposing private medical information on my consumer discloser report. I mailed NATIONAL RECOVERY AGENCY recovery agency a debt validation letter just recently in which they will be receiving via certified mail. Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I am aware that this is an abusive collection practice per 15 USC 1692e ( 10 ), 15 USC 1681s-2, 15 USC 1692e ( 14 ), and 15 USC 1692f ( 1 ). The behavior the debt collection company is using is both abusive and deceptive because NATIONAL RECOVERY AGENCY furnished 3 of the same accounts as if each amount for each of the exact same reported accounts are owed which reflects a balance of more than {$2000.00} per account. This is not only damaging to my consumer disclosure report but is also emotionally stressful because I know for a fact, I do not owe the amounts NATIONAL RECOVERY AGENCY are insinuating. I know that debt collection agencies that lie and use abusive practices to collect debt are liable to me per 15 USC 1692k Civil liability and by the FTC, Consumer Financial Protection Bureau ( CFPB ), and state governments. The FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MD
  • 21157
Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21157
Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
05/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 142XX
Web
on XX/XX/2018 at XXXX XXXX I was called by someone from this company about a debt from an old Electric bill that I had in the past that was included in my XXXX XXXX. I told the woman that I did not have the attorney phone number or the case number because I was at work but I did however have the name of my attorney. I spelled out the first and last name of the attorney and said if she XXXX the name his address and phone number would come up. The rep then got very rude and said that its not her responsibility, I said ok well I'm at work and I cant search for the phone number or address for you. she then said that I will still receive collection calls until I call back and provide all the information. which I feel is illegal. If I mention that I have an attorney and that I have filed Bankruptcy they shouldn't call me anymore or threaten to.. so then after she said it wasn't her responsibility I told her DO NOT call me again I don't even care about this. she then got snippy and said well we will still call and this will still affect your credit and she hung up on me. I feel like she was very nasty, demanding, condescending, combative and abusive. A telephone bully. I'm Contacting my attorney in regards to this to see what legal rights I have in regards to a potential lawsuit also will be filing a report with the state attorney general and the XXXX.
04/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22406
Web Servicemember
On XX/XX/XXXX I Received a debt collection notice from the company, National Recovery Agency. I requested copies of the account transactions showing I owed said debt on XX/XX/XXXX. In late XXXX, I received the photocopies of the account with a letter dated XX/XX/XXXX, which PRE-DATES my request for information. After careful review of the account transactions it is clearly shown that the account balance is listed as XXXX " {$0.00} '' and the debt that is to be collected on was listed previously as a " Charge off ''. On XX/XX/XXXX, I provided this information to the National Recovery Agency, along with a spreadsheet showing the transactions and the charge-off, in addition to identifying the same on the transaction listing they provided as evidence of debt and asked them to remove my collection notice and ensure that it does not appear on my credit report or have any negative remarks for an invalid debt. I am now in receipt of another request from National Recovery Agency dated XX/XX/XXXX along with new photocopies of the account transactions that still show the amount that is attempted to be collected on as a " Charge-Off '' as well as showing a {$0.00} balance. The name of the account representative is XXXX XXXX. National Recovery Agency information : XXXXXXXX XXXX XXXX, XXXX, PA XXXX ; Phone XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
02/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19966
Web
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX is a NASTY NASTY woman and refuses to remove this from my credit report. They have NEVER sent any letters to me nor EVER provided any documentation from the alleged creditor. They are asking me to do their job and verify I don't owe it yet the burden of proof is on them to prove it IS owed ... which it isn't! They refused to provide any DOS 's ( dates of service ), and are asking that I go file a police report and take time out of my busy schedule to fix their mistakes. XXXX XXXX of National Recovery owes me {>= $1,000,000} for an unpaid services and he has never disputed the DOS despite me sending him letters. Now I would like XXXX to go file a police report that he doesn't owe me the money. Until then, I will start reporting the debt to the credit bureaus as I have found his social security information online.
12/04/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91011
Web
I received a bill from NRA Group LLC on XX/XX/XXXX that states " this is an attempt to collect a debt, '' on behalf of XXXX XXXX, which is a pharmacy concern. No identifying information regarding the product purchased is included in the letter, which contains only a reference number, but fails in its duty to disclose the date of purchase, type of purchase, and date of prior statements. I never received an invoice for anything from XXXX XXXX. All I received was a threatening bill that amounts to extortion. When I called NRA Group, as their letter instucts, I was told they could give me no information but referred me to XXXX XXXX for additional information. NRA Group failed in its duty to disclose the basis for the debt. They threaten collections action without providing any pertinent information. While I am told in the letter I can dispute the bill, no information in the letter allows me to identify what it is I am disputing, and calls to them to do so resulted in staff refusing to provide information that would have allowed me to dispute, or even understand, the charge. The actions of NRA Group are arbitrary and capricious, and constitute illegal racketeering, insofar as no information was provided either initially or when requested that would allow a reasonable consumer to understand the nature of the financial charges alleged.
01/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
Hi National Recovery Agency/ Ntl Grid MA ; 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.
08/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 114XX
Web
I found out on Thursday, XX/XX/2021 that a debt collection agency that goes by the name, NTL Recovery Agency and also goes by the name, National Recovery, reported a false collection account on my credit report. This false report was reported on all the three major credit reporting agencies, XXXX, XXXX XXXX, and XXXX. According to NTL Recovery Agency ( also called National Recovery ) XXXX XXXX XXXX referred a delinquent account supposedly in my name and with a past due amount of {$440.00}. NTL Recovery Agency falsely reported this as I do not have and have never had an account with XXXX XXXX XXXX. I have called XXXX XXXX XXXX about this and the XXXX XXXX representative I spoke with said XXXX XXXX XXXX did not refer an account in my name to any collection agency, the representative confirmed that XXXX XXXX XXXX does not have an account in my name. I called the phone number listed for the debt collection agency, an automated female voice picked up the call and asked for my Social Security number in order to assist me. I of course did not provide my Social Security number. Please see the contact information listed on my credit reports for the debt collection agency below : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And National Recovery XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
03/22/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80907
Web
The debt that the collector is trying to collect is a medical debt due to auto accident. The medical facility has been given auto insurance information that would pay the claim and medical insurance that also would pay the claim on three separate occasions via mail once and by phone twice. The last being in XX/XX/XXXX. I have verified as of XX/XX/XXXX that the medical company has not submitted the bill to either insurance company. When I was first notified of the debt I disputed over the phone twice giving the collection agency the above information along with dates and whom I spoke to at the medical center. I did not hear anything from either the medical company or debt collector ( by phone, writing, text or email ) until late XX/XX/XXXXvia a text message and subsequent voicemail. I called back to dispute the debt and when they continued to try an collect I responded by text to their message disputing the debt multiple times as well as email so I had it in writing. I also called back to dispute the debt again. I have not received any further communication from the medical center after leaving multiple messages. The debt collector has not responded to any of my messages disputing the debt and continues trying to collect this debt that still has not been billed to either insurance provided to the facility.
01/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 17111
Web
Today, XX/XX/XXXX, I received notice that I had a credit alert that a derogatory mark was placed on my file. I contacted the agency listed, National Recovery Agency, at XXXX and was advised that I owed a debt of {$270.00} from XXXX to XXXX XXXX XXXX. They advised the notice that was mailed to me was in XXXX. I advised this debt was paid to the original creditor and asked how they can all of a sudden begin credit reporting me without contacting me. I have lived at the same address since XXXX so they had plenty of opportunity to reach me. I asked how to go about providing proof that this debt was paid and that I would absolutely not be paying them, to which they kept giving me information that the dental office stated ( such as last payment date, etc ). To be honest, I became extremely angry because it was like talking to a wall. I can clearly provide proof this debt was paid, and was given NO information on how to go about doing so. If they simply contact the company that hired them, they would know immediately they are attempting to collect on an invalid debt. So in summary, I paid for dental services directly to the company that provided the services back in XXXX, but this debt collector is coming out of nowhere 4 years later by hitting my credit report, with absolutely NO ATTEMPT AT CONTACTING ME.
01/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 122XX
Web
I had an account with XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I cancelled my service and moved from that apartment, but they turned it back on, I'm guessing for the new renter but they kept it in my name and the people renting the unit never had it corrected.This was sent to collection company, XXXX XXXX XXXXXXXX XXXX This was the first I had heard about it and asked them to send me the paperwork because I knew I had cancelled and paid my final bill.Which they did and it clearly shows that it was cancelled and they stopped collection efforts and deleted it from my credit report in XX/XX/XXXX. Then I pulled my credit report in XX/XX/XXXX and the account had been sold of to National Recovery. I went directly to this collection agency and asked for the proof, they ignored me. I wrote to the bureaus where they also ignored me. I went back to the new collection agency, National Recovery, and sent them the paperwork that I had been provided by XXXX XXXX XXXXXXXX, showing proof that I had paid it. I have yet to hear back from them so I sent XXXX XXXX a letter directly asking them to please pull the account from the collection agency because this was their fault. I did not receive a response so I called them directly they claim they have never heard from me and would not look into the account.
03/27/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 291XX
Web Servicemember
On XX/XX/XXXX at around XXXX XXXX, I received a call from a debt collector from National Recovery Agency saying that I owed XXXX XXXX in XXXX XXXX Illinois {$110.00}. they provided no form of mini Miranda, and I told them I would call XXXX XXXX to verify. After calling XXXX XXXX, I immediately checked my credit score which went down 40 or more points because of derogatory marks related to the collection attempt. NRA in my opinion, did not follow the FDCPA by reporting the information to credit bureaus before the 30 day notification period had expired. I am still verifying the status of the alleged debt by XXXX XXXX who never contacted me in regards to the issue. I am concerned that my credit score is being damaged without any notification on both parties part, and that no notice of how to dispute was given to me by the creditor. ( No person shall be deprived of life liberty or property without due process of law ) I called the collection agency to ask who reported it and they said they would resend the notice in 14 days. This is not sufficient since it does no good to get the notification after the fact. Also, the address the debt collector gave me that XXXX listed was not used since XX/XX/XXXX. If that was the last address used, then the last bill would logically be 8-ish years ago.
05/31/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
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.
07/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02126
Web
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.
08/15/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02302
Web
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.
04/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01841
Web
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.
03/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02301
Web
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.
01/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
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.
09/29/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
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.
10/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33068
Web
XX/XX/XXXX The company wrote me and told me they were removing the file off my credit report but that was a lie!!!! It has been over 60 days. I am seeking compensation for lying and intentional damages caused by the company and XXXX XXXX XXXX. Interim response : NRA Group is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client., Sincerely ; XXXX XXXX XXXX Compliance Agent, NRA Group LLC Company 's Response NRA Group is in receipt of the consumers complaint. In acknowledgement of the complaint and to maintain satisfaction. The above referenced accounts were closed in our office and returned to the creditor on XX/XX/. Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm. We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information. Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Should you have any questions regarding this matter, please feel free to contact our office. Sincerely ; XXXX XXXX, Compliance Agent, NRA Group LLC
10/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32536
Web Servicemember
The collection first appeared on my credit report in XX/XX/2023. The original creditor is XXXX and the original collection agency was XXXX XXXX XXXX. XXXX XXXX never sent a notice, I first became aware when the collection appear on my credit report. I requested validation of the debt. They did not reply and instead sold the debt to National Recovery Agency while verifying the debt as accurate with the credit bureaus. I reached out to National Recovery to validate the debt and never heard back. My attorney sent the attached letter titled " National Recovery '' in XXXX and we never heard back/ they never took steps to validate the debt. Yet they continued to verify the debt with the credit agencies. Subsequently, my attorney sent the other letter attached " Letter to Credit Bureaus '' in XXXX. Yet somehow the company continues to verify the debt with the credit bureaus without providing any documentation or validation. I am not sure how/why I am stuck in this loop. But, bottom line, the debt was never validated/verified and they continue to blatantly ignore correspondence while somehow verifying the debt as accurate with the credit bureaus. As far as I know I paid everything I owed to XXXX. I think this is some sort of mix up that they absolutely refuse to prove.
12/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20707
Web
I am distressed that you have included NTL RECOVERY AGENCY information in my credit profile on XX/XX/XXXX & XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, 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. I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. This company is NOT responding and reporting inaccurate information on my credit report. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you,
12/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60074
Web
This letter is a formal complaint against National Recovery Agency, a collection agency located at XXXX XXXX XXXX XXXX, PA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
08/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 356XX
Web
I ordered vitamin supplement from a company called XXXX XXXX account XXXX. This item did not help me as was advertised, therefore, I returned all the unused bottles, almost a complete order. I paid for the ones I used. Since returning the unused bottles, this company turned my name and address information over to a company called National Recovery Agency ( XXXX ID # XXXX Creditor : XXXX XXXX Balance : {$42.00}. This Agency continues to send over text to my phone number XXXX. I called the XXXX XXXX company and explained that the item did not offer to my health as it was advertised and I had returned the unused bottles. I have paid the {$42.00} balance plus a fee of {$7.00} to National Recovery Agency and am waiting on a letter of receipt for that payment in my email ( XXXX ). As a consumer, I see this has a wrongful act on both companies : XXXX XXXX received the unused product back to resale and was paid in full for the used products and National Recovery Agency received {$42.00} plus {$7.00} for their continued texts and what I would call consumer harassment. The National Recovery Agency told me the product for not returnable yet I do not believe I was every told that from the XXXX XXXX XXXX. Appears everyone was covered but the consumer here!!!
07/20/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31093
Web
I have been receiving repeated calls since XXXX 2022, and they were occurring once a month. I spoke with the company in early XXXX, told them the debts they cited ( originating from " XXXX XXXX XXXX '' ) were not mine ( the debt had shown up out of the blue on my credit report twice, which I contested and had removed immediately ), explaining that I had insurance that would have covered or at least informed me of any outstanding balances at the time the charges would have taken place, as well as having no hospital visits occur in that time frame. I ultimately told them to provide written proof as they refused to accept that as an answer. I received a letter two weeks later with a post office stamp originating from Florida on the envelope ( the company states it's located in XXXX, Ga ). The letter had no formal letterhead, contained typos, and used language like, " We have tried to contact you numerous times to help you, why have you not reached back out to us? Why are you avoiding us? '' as well as the cited amount included being larger than what had been stated on the phone. I disregarded the letter and tossed it as it was blatantly fraudulent, and refused to interact further. Since then, the calls have increased to multiple times a month.
05/24/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 191XX
Web
National Recovery Agency contacted me on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding debt collection. Their message said " Reply STOP to stop receiving text messages ''. I replied STOP that day in response. Despite my text reply indicating that they stop, National Recovery Agency contacted me again on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. Again, their message said " To stop receiving text messages reply STOP ''. I again replied STOP that day in response. Despite replying twice to them telling me to stop, they continued and have now texted me again today, XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. Again their message included " Reply STOP to end. '' I replied STOP today in response. I have now had to request they stop texting me 3 separate times because they continue to contact me via text through different phone numbers. Each time they contact me on my cell phone number, which has remained the same throughout all of these interactions. I have asked them to STOP contacting me via text, I would like them to stop and I would like to pursue any avenuXXXX of complaint I have available to me against them.
06/08/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 44446
Web
I contacted National Recovery. Once connected to a representative, I explained that I had lost my arm in a freak accident in XXXX of XXXX. I filled for XXXX of XXXX of that year. Upon filing, I was approved for medical coverage through Ohio Medicaid, which covered 100 % is my medical bills. XXXX XXXX was amidst bankruptcy and transfer of ownership in the days of service. They failed to bill Medicaid. According to Medicaid policy, any balances for medical expenses are to be written of by the provider. XXXX violated this policy and demanded I pay for services that I never agreed to and were never properly billed to Medicaid. The bill was sent to collections at National recovery. The representative told me that it didn't matter that I had coverage. It was too late to bill Medicaid and I was responsible for the bill. It is unlawful to charge me any balances unpaid but Medicaid. It is not my fault they were not billed properly. I attached copies of my Medicaid cards in addition to details about the account in question. I also uploaded my MyCare Ohio medicaid + medicare dual coverage policy, which covers all medical bills incurred after my protected filing date in XX/XX/XXXX. This bill was XX/XX/XXXX, and I had full coverage for this date.
12/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 214XX
Web
I was severely injured at work and required XXXX XXXX. I did not have insurance at the time and was self-employed so I was unable to pay the medical bills and needed time to recover. XXXX XXXX where I received treatment has their departments all separate so XXXX was billed separately as were the XXXX charges and the XXXX 's charges. by the time I got situated where I could start addressing the financials the XXXX dept. had already sent their bill to collections which happened to be before the XXXX approved me for 100 % financial assistance. They show a XXXX balance on their records however NATIONAL RECOVERY AGENCY is still reporting this to my credit report and attempting to collect payment. I have opened a dispute with credit karma which is pointless because none of the credit bureaus have any record of a dispute so I then filed a dispute directly through XXXX and sent a letter of VALIDATION to the collection agency, the dispute has been closed as the collection agency reported that it is accurate information even though legally they are not allowed to until they have satisfied my request for validation which they have not nor can they. next, I will file any relevant law suites against them as this is causing me serious harm.
06/28/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34476
Web
NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
01/07/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20747
Web
I receive my credit reports monthly. I noticed a collection report that was placed on my credit reports that was NOT on my report last month. On Friday XX/XX/XXXX at about XXXX, I received a call from a company that I did not know nor had I ever heard of or done business with - National Recovery Agency. The lady on the other end said she was attempting to collect a debt. I let her know that I was the person she was looking for and asked that she not call me again - but to communicate via mail only. This person hung up the phone. I then received a notification by XXXX XXXX on Monday XX/XX/XXXX that a new collection account for XXXX was added to my credit report between XX/XX/XXXX and XX/XX/XXXX. The collection letter was from National Recovery was dated XX/XX/XXXX - the same day I received the initial phone call. I ask that this account be removed from all my reports from National Recovery Agency so I can have an opportunity to validate this alleged debt. This company did not sent any notification to my address regarding any debt until AFTER they placed this account on my credit report. I am requesting that this be removed immediately from my report since I was not even given a chance to request validation of this alleged debt.
05/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11691
Web
I previously contacted National Recovery Agency to settle the matter of an outstanding collections account. I offered to settle account and representative stated that she would call me back with approval to settle the debt. In the meantime, she recommended that I set up payment plan to avoid any further calls or potential credit bureau reporting. After several days, I contacted the same representative and she stated that she would call me with a settlement resolution. In my communication with the representative she stated that I could settle for approximately {$700.00}. Months later and after paying XXXX towards my balance, I contacted NRA who confirmed that my settle request was approved in XX/XX/2017. They alleged that they tried to reach me but to no avail. If I was still interested in settling account, i could do so by paying 50 % of the remaining balance with is approximately {$400.00}. I stated that I did not receive a call, phone message or letter responding to my initial request and they indicated that it was not their responsibility. I also requested to pull the record of my phone calls and a compliance representative by the name of XXXX XXXX ( XXXX ) tried to deflect and intimidate me by indirectly calling me a liar.
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 191XX
Web
I have found several reporting discrepancies on my credit bureau files regarding this collection account. I have tried to resolve the matter directly with the original creditor but to no avail. On XX/XX/2023 I mailed via certified mail a request for information on this collection account. The following letter was submitted for account investigation and to date this has not been addressed so i am requesting this file to be deleted asap. here is a screenshot of the requested information for validation of the debt. National Recovery agency XXXX XXXX XXXX. XXXX, Pa XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting. 2 : verification of a signed invoice. 3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Along with the above requested information, i also discovered several inconsistencies on my credit report that I have outlined and will attach the file with the discrepancies highlighted for review.
01/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90746
Web
I had two charges from woman within online clothing. One for {$39.00} and the other for {$39.00}. The woman within store is now called full beauty.. When the money was taken out of my XXXX XXXX account I called woman with band and ask them to give me a list of my purchases, these two purchases were taken off of my XXXX credit card on XX/XX/2020. The representative advised that the last purchase that I had made was XX/XX/XXXX and it was for a different dollar amount from the charges that were debited from my account. After speaking with the woman with the other representative Ive been called XXXX XXXX and did a dispute with you they were gracious enough to refund my money. Today, XX/XX/2020 I received a email from XXXX saying that I owe {$79.00}. I called to explain what happened and that I did not making purchases, I asked the collections representative to please tell me where the merchandise went and she just repeated it at all the money and would not give me the address. I am now live with receiving emails from a collection agency that will not give me any information demanding money. If they were indeed my debts I would pay them but they are not mine. My XXXX ID is XXXX agency XXXX XXXX XXXX, XXXX, PA XXXX Phone XXXX
05/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23669
Web
In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01702
Web
There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status open but the problem is that I never had an account with this company called XXXX XXXX XXXX, there is no phone number being reported and it is also showing different open dates. XXXX says that the account was opened on XX/XX/2014, XXXX says that the account was opened in XX/XX/2014 and XXXX says that the account was opened in XX/XX/2014, I have disputed this account with XXXX, XXXX and XXXX and for some reason they tell me that the account was verified as accurate. XXXX is reporting this account as open, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all three credit bureaus.
01/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • XXXXX
Web
On XX/XX/2021, was contacted by unknown person @ XXXX stating I owed a debt that they were to collect. This was a XXXX and XXXX cellphone interaction that was offensive and did not end well. I attempted XXXX call-backs this day, in an attempt to verify the legitimacy of the caller. Prior to the next call of contact, on XX/XX/2021, I did not receive XXXX XXXX XXXX Notice via email or in-writing. On XX/XX/2021, @ XXXX, I had XXXX and XXXX cellphone interaction. Soon thereafter, I received an XXXX XXXX XXXX Notice via email, on XX/XX/2021 @ XXXX. A dispute was placed this very same date and time. This Debt collection entity has failed to provide accurate information verifying this debt, within the 30-days provided by law. This Debt collection entity has also failed to stop collections reporting after it has failed to provide verification of the debt within 30-days as provided by law and after I requested that he do so. Furthermore, this Debt collection entity violated the enumerated Debt Collection Validation Notice statute by failing to provide such notice ( electronic or written ) after initial contact on XX/XX/2021 ; in which, He was lawfully required to do so within 5-days of contact.
02/21/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30083
Web
On XX/XX/XXXX a XXXX XXXX was added to my XXXX XXXX Report in the amount of {$790.00}. I never received a letter or phone call in reference to this debt. On XX/XX/XXXX i sent a Certified letter to XXXX and National Recovery Agen About the No Surprise Act. Both companies received the letters on XX/XX/XXXX. The Investigation was verified on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : Whom it may Concern, This account listed below is a complete VIOLATION of the NO SURPRISE ACT, DLELETE The listed account below immediately from my Credit Report. National Recovery Agen Original Creditor : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. XXXX, PA XXXX As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back.
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02149
Web
In XX/XX/XXXX, National Recovery, a debt collector on behalf of XXXX XXXX, reported to all three credit bureaus that I was in default on a debt of {$240.00}. This is not true. I contacted National Recovery and informed them I never lived at the address in question. I provided proof. They stated they would investigate and I should submit a dispute to the bureaus. I submitted the dispute XX/XX/XXXX. At the end of XX/XX/XXXX National Recovery had removed their listing from XXXX and XXXX yet they continued to report on XXXX. I sent them a 93A Demand notice via certified mail informing them of their attempts to collect a debt not owed and illegal reporting on XXXX. They refused to reply or remove the account. I sent them a second 93A Demand notice via certified mail XX/XX/XXXX. They again refused to reply or remove the listing from XXXX. I sent in two other disputes to XXXX informing them the account is not mine. National Recovery replied to XXXX informing them the debt was " Valid ''. I did not live at this address during the time of the utility default. I do not owe on this account. National Recovery is attempting to collect on a fraudulent account for a debt not owed.
07/14/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 761XX
Web Older American
Went to a Florida hospital while at XXXX XXXX in XXXX of 2016. After giving the receptionist our insurance card and information, we were told there wasnt a medical doctor there for us to see. So we told the receptionist that because there wasnt a doctor there, we were going to find another hospital to go to and left. They filed on my insurance anyway. My insurance paid them and the other hospital even though I was never seen by anyone at that hospital. They were trying to collect the non emergency copay of {$75.00} from me. I contacted the Hospital at the time I received a bill and was told that even though I hadnt seen anyone and had left before seeing anyone, I had given them a XXXX sample and that just by walking through the door they had the right to bill my insurance and demand my copay. We agreed to disagree. At any rate that was that was over 6 years ago. The statue of limitations for Texas is 4 years ( which is where I live ) and the statue of limitations for Florida is 5 years. Meanwhile, the debt keeps getting sold over and over to new debt collection agencies who try to tell me the clock starts over and continue to contact me regarding the bogus debt. It is ridiculous.
10/13/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ID
  • 83713
Web Older American
I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?
11/16/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33511
Web
On XXXX XXXX, I sent a certified letter to National Recovery Agency. This company did received my certified mail and failed to validate this debt. Name : National Recovery Agency Address : XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX Amount : XXXX I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and them bearing my signature. I don't have or have had any business with this company in the past or currently. Instead of sending me the documents requested. The National Recover Agency committed a clear HIPPA violation. I did not sign a HIPPA form authorizing National Recovery Agency to access any of my medical records. My HIPPA rights and privacy has been violated. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act and HIPPA. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit files with all 3 major credit reporting agencies not to resurface on my credit file again.
08/18/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02127
Web Older American
I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. Evidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. And XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. But it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. I have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. Thank you,
08/09/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 435XX
Web
Contacted the company on XXXX electronically asking for return contact. By XXXX, no contact so called again. Stated I had to submit a request in writing- although website states can request online as I did- and that then they will request documentation to prove the collection. It is my right as a consumer to be presented this information and I should not have to jump through hoops to get it. I found out who the collection was for, XXXX XXXX, and I contacted them directly and paid this in full. I then contacted National Recovery again, and was told to mail the receipt, itll get processed, go through verification and eventually be removed. As they could not produce the documents to begin with, they should not have this on my bureaus as a collection dated XX/XX/XXXX, for a service from XX/XX/XXXX. I asked to email or fax the receipt and was told to get the info off the website. I have been unable to find this information. This should be removed in an expedited manner due to not satisfying my consumer right to detailed information on what they are trying to collect money for. I could get no information except to keep mailing requests or to pay them.
06/03/2015 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AZ
  • XXXXX
Web
I recently moved to Arizona where I established a phone line through my cable provider for work purposes, as I do work from home. My employer reimburses me for this phone line so it is considered my work phone number. I received a call from XXXX XXXX on XXXX/XXXX/2015 @ XXXX in which I requested the number he called to be removed from their system as this is not a personal number and used only for business purposes. He continued to aggressively try to make me arrange a payment even after I requested no contact and asked that he only contact me on my cell phone number, which I know they have on file, as they have contacted me @ that number in the past. Then again on XXXX/XXXX/2015 @ XXXX, I received a call from National Recovery. I advised that I told them last week not to call this number, that it was for work purposes only. He was belligerent and rude and told me that I needed to advise of this in writing. I know my rights and a verbal request to not have contact @ my work phone number is well within the scope of the law. He refused to hear me and continued to argue with me over the phone. I politely terminated the phone call.
12/14/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19122
Web Older American
I contacted the Collection Agency - National Recovery Agency on XX/XX/21 at around XXXX ET. The debt is in the amount of {$1700.00} from XXXX XXXX XXXX. I spoke with a Supervisor named XXXX. I asked for something in writing to indicated after I paid off the debt it would be removed from my Credit Report. He indicated their policy is they Do Not send anything in writing to indicate the debt would be removed. The reason is because he can't guarantee the credit reporting agencies will actually follow through and remove the debt. I asked what assurance do I have they will do what the say after the debt is paid in full. He understood my position but said they would be liable if the debt wasn't removed which is why they won't send anything in writing. I just want some assurance they will follow through and send notification to the credit bureau the debt is paid in full. Is there anything CFPB can do to help regulate this type of occurrence? would it be possible to require Debt Collectors to provide written documentation to consumers the Credit Reporting Agencies will be notified the debt is paid in full and to remove the debt?
08/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30253
Web
On XX/XX/2018 I contacted National Recovery Agency by certified mail to inform them that they had listed some incorrect items on my credit report. They have missing information for my account number and they have the status as open, when that account is closed and has been for months. When I contacted them they did not respond. All of this is in violation of the Fair Credit Reporting Act. They are supposed report correct information on my report and they have violated several laws, including not responding to my letter within 30 days. If that were not enough, with no action taken I reached out to them again on XX/XX/2018 by certified mail. But to no avail, no response again. Enough is enough! Improper reporting, missing info and incorrect status of my account is severely damaging my credit. I also reached out to the 3 bureaus where it was listed incorrectly and XXXX deleted that account. I have enclosed copies of receipts of the certified mail, letters of communication to National Recovery Agency and a copy of my XXXX report where it was deleted. Also I am writing the Attorney General Office and the XXXX.
08/24/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • RI
  • 02907
Web
I submitted a complaint just the other day and the companies response is the same as it has been since I started this. They keep telling me to contact the " client '' which is XXXX XXXX. XXXX XXXX sent me a packet which I filled out and mailed back as well as faxed over to them back in XXXX. This is completely unacceptable response. XXXX XXXX needs to get their stuff together and organized and this company needs to remove this false information off of my report immediately. I have kept records of all the information and letters I have sent and ready to file legal action if it is not removed promptly. I've attached the fax I sent as well as the previous complaint response below : Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NRA Group , LLC has received this complaint. The consumer was advised to fill out the dispute packet and mail it back to the client. We provided them with this packet and billing on XX/XX/2020. The consumer will need to fill out what we sent them, follow the instructions and mail back to the client. Per the client the {$90.00} is owed.
02/13/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23188
Web Servicemember
I recently noticed XXXX ( XXXX ) collections accounts listed on my consumer report. The corporation name on these accounts is National Recovery Agency. I submitted a dispute notice to all XXXX XXXX XXXX XXXX consumer reporting agencies requesting they be investigated and if verified to send me all documentation provided to them on behalf of National Recovery Agency to verify the debt. I never received anything! I also called National Recovery Agency to request that they remove this information as I did not authorize them to submit any information to the consumer reporting agencies on my behalf nor did they provide me any notice of the debt prior to submitting it to the reporting agencies or afterwards. I spoke with a XXXX XXXX at National Recovery Agency who was very rude, said I was ignorant of the law and I should hire a lawyer because I come off as XXXX. He was so confident in his understanding that he did not hesitate to provide me his last name and the mailing address of his place of work so that I could send legal documents to him there. The address he provided was XXXX XXXX XXXX XXXX, PA XXXX
06/05/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 175XX
Web Older American
This is the 4th or 5th time Ive written regarding this. Today - XX/XX/ I received a letter in the mail from this debt collection agency for XXXX XXXX. I have repeatedly said to stop sending mail & all other forms of communication to me. You continually ignore my wishes. Consider this notice pre litigation. If you contact me or my wife again you will be before a judge & I will win. Ive had enough. DO NOT CONTACT ME OR MY WIFE AGAIN!!!!! Dont give me the nonsense about being obligated to send me mail. My son works in XXXX XXXX. You do NOT need send a notice when youve been told not to. These debts will never be paid. This is criminal harassment at this point. PA crimes code 18.2709. Ill file both a civil suit & a criminal suit if I receive more communication from this agency. And before you think this is an empt threat I am a XXXX XXXX XXXX. I will 100 % seek legal actions. Further dont call it a validation notice. Ive NEVER once requested validation of a debt. The only communication Ive had with your agency is the communication telling you to stop harassing me. Its not hard. STOP CONTACTING ME
12/09/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17046
Web
On XX/XX/2020, I disputed medical bills from National Recovery showing on all 3 of my credit reports. They came back to me as verified. On XX/XX/2020, I wrote to National Recovery requesting how they verified these accounts as mine, specifically asking for the document showing my signature for service and asked them for the HIPAA release as well, as you can see on the attached documents, they received specific treatment information about me. The following issues arise : 1. When the credit bureaus notified me that the accounts were verified, National Recovery simply sent me copies of the bills. 2. When requested their Method of Verification from National Recovery, they simply re-sent copies of the bills. 3. National Recovery has not, nor do I believe they are able to, verify that this debt ( s ) is indeed mine to pay. However, they remain on my credit reports as negative accounts. Under code 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I have the right as a consumer to request competent evidence, that I owe this debt. A copy of the bills is not competent evidence, as I can make those up myself.
09/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20744
Web
On XX/XX/2023 an uncollected debt was reported to the credit bureaus by National Recovery Agency in the amount of {$360.00} owed to Housing Authority of XXXX XXXX XXXX XXXX. A few months back, I received a letter from the Authority asking me to pay {$360.00} and I requested back by a certified mail to explain the debt. However, I never received a response back until I saw this same amount being reported to the credit bureaus. I have rental properties in the county and I have done business with the Housing Authority in the past. However, I was in the receiving end and not paid anything to the Authority before. I called National Recovery Agency about a month ago to explain the debt and they sent me years of files of my rental payment from the Housing Authority but, didn't indicate how the {$360.00} became a debt. As soon as I received the file, I called the recovery agency again and the response I received is that what we got from the Housing Authority and couldn't help me further. I asked the agency to remove this reporting from my credit report until this issue is resolved but, they refused.
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DC
  • 200XX
Web
A formal dispute and validation request was mailed via certified letter to NRA Group , LLC dba National Recovery Agency on XX/XX/2019, requesting the following information : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Whether NRA Group , LLC dba National Recovery Agency is licensed and authorized to collect debt in the District of Columbia. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. NRA did not respond with any of the information requested above.
02/13/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DC
  • 20032
Web
Yesterday XX/XX/XXXX I flied a complaint with your bureau for the second time against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX, XXXX & XXXX credit report in which they claim I owe directly to them on behalf of XXXX. XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group , LLC has received this complaint. As stated in the first CFPB complaint this account was reported to us as paid by the client on XX/XX/2020. It was updated to the credit bureaus on XX/XX/2020 as paid in full. It takes the credit bureaus 30-90 days to update and remove. If the consumer which to expedite this process he will have to contact them. However, National Recovery in both of my previous complaints continues to not honor my request in giving me a confirmation letter on their letter head stating that the account has been closed and they have sent a request to all three credit bureaus to remove this collection account.
07/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 175XX
Web
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and NATIONAL RECOVERY AGENCY And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to get my information to a third-party Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me And I have PDF files showing the in accuracy and top of them breaking the law
02/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DC
  • 20032
Web
XXXX I flied a complaint with your bureau for assistance against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX , XXXX & XXXX credit report in which they claim I owe directly to them on behalf of XXXX . XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group LLC, has received this complaint. We mailed a notice to the consumer on XX/XX/XXXX and it came back as mail return. It is the same address the consumer provided on this complaint. Without a correct address we can not send anything- the consumer could have provided us with a updated address and billing would have been mailed. As of XX/XX/XXXX the account has been marked as paid - the client reported a payment to us and the account is closed. The credit bureaus will be updated as such. Once they are updated it could take them 30-90 days to fix the consumers credit. If they wish to expedite this process they will need to contact them.
01/25/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19460
Web
I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me back.
09/30/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • TX
  • 78602
Web
Information on my credit report was not mine. This information was disputed with all XXXX credit bureaus. Contacted National Recover Agency that owns the debt from The XXXX XXXX on XXXX/XXXX/2015. Explained someone with the same name has information on my credit record.The first representative was rude and hung up on me. Called back and they stated to fax a nature of dispute to them and I did. I could tell from their attitudes this was going to only be resolved by me doing the work. I immediately called original debtor the XXXX. We discussed my information and realized it was not mine. They stated they deleted account and would email National recovery agency. The following day my credit monitoring from transunion stated National recovery verified the debt to remain on report. I called back to find out they recieved the information at XXXX that this was not my account. They still went ahead and verified debt. The attitude was they will remove it when they get to it. The information was verified not mine, with confirmation email. They still have not removed it as of today.
12/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32940
Web
On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.
08/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32514
Web
I talked to National Recovery Agency, and they say I owe them money. I don't know how. Maybe someone with a name like mine got mixed up. But I know my identity was stolen. Someone used my info to make new accounts with banks I never used. I'm working with banks and the three credit places to fix stuff because they got things wrong about me on my files. It's a different issue, but related. I want to say, the address they think is mine is wrong. I live in the same city, but not there. This is a big problem because it shows the debt isn't mine. Why is this on my file, and how did they get my info? And why didn't XXXX XXXX send me a real bill before giving my info to this company I don't know? This looks like someone stole my identity. They say they got my info from XXXX XXXX, but I want them to show a detailed bill, not just an email with a number saying someone owes money. If they can't show the bill, I want them to take this off my credit papers. It's not fair because of wrong stuff and identity theft. This is just more trouble that shouldn't be my problem.
01/31/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 63026
Web
In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX . I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA . NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.
03/24/2022 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
  • TX
  • 75043
Web
The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX. Thank you in advance, XXXX XXXX XXXX XXXX # XXXX
10/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79912
Web Servicemember
I would like for XXXX XXXX XXXX Service to show proof of verification that I owe them {$320.00}, {$470.00}, {$620.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01930
Web
XXXX XXXX RANDOMLY SENT A BILL TO COLLECTIONS IN XXXX CLAIMING IT WAS MINE. I NEVER HEARD FROM THIS COMPANY EVER PRIOR TO THIS. I CALLED XXXXXXXX XXXX AND THEY CONFIRMED THEY NEVER SENT ME ANY COMMUNICATION PRIOR TO THIS. THEY ARE CLAIMING THIS DEBT IS FROM XXXX IN WHICH I HAVE NO KNOWLEDGE OF THIS DEBT OR ANY ATTEMPTS TO COLLECT. THIS COMPANY FAILED TO PROVIDE PROPER NOTICE OF THIS DEBT AND MY RIGHTS TO DISPUTE BEFORE IT WENT TO COLLECTIONS. THEY CLAIM I OWE THEM {$450.00} WHICH IS FALSE. THIS COMPANY IS DAMAGING MY REPUTATION AND HAS MASSIVELY CAUSED ME HARM. THIS BILL WAS WRONGLY SENT TO COLLECTIONS IN MY NAME AND I WANT THIS REMOVED IMMEDIATELY. I WOULD LIKE THIS REMOVED FROM MY XXXX AND XXXX CREDIT REPORTS IMMEDIATELY. I WILL CONTINUE TO PURSUE LEGAL AVENUES AT ALL COSTS TO STOP THIS COMPANY FROM RUINING MY NAME AND BREAKING THE FCRA. I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT AND THIS COMPANY IS FALSELY REPORTING. I HAVE DISPUTED THIS WITH THE CREDIT BUREAUS AND I HAVE TALKED TO NATIONAL GRID DIRECTLY. I WANT THIS REMOVED!
02/21/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • XXXXX
Web
On XX/XX/XXXX National Recovery Agency responded to XXXX : " NRA Group , LLC is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud National Recovery Agency refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX National Recovery Agency refuses to honor this requested release,
01/27/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10012
Web
NTL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall XXXX the reporting of XXXX XXXX in the file of a consumer that the consumer identifies as information that resulted XXXX an alleged identity theft, not later than XXXX business days after the date of receipt. is been XXXX days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY! XXXX accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the mer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT eport anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
05/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85132
Web
I am filling this complaint because national recovery agency has alleged a debt is mine but can not prove this claim, they have contacted my father and the debt has hurt my credit to where I am unable to purchase a new car when I am a single mom of XXXX. I sent in a verification off debt letter to verify this alleged debt is mine and I am willing to pay as long as I can see proof of claim. This was ignored, a photocopy of this statement was sent which I specified in my letter to not have a photocopy, I then sent another letter re requesting the same info to verify the alleged debt, this letter was ignored. I then sent a pending litigation letter, another photocopy was sent disregarding my request. I have now sent a cease and desist notice as I see National recovery agency will not comply, they will not verify this alleged debt belongs to XXXX XXXX. I have spoken with XXXX XXXX via email who once stated they requested this info from XXXX XXXXXXXX XXXX and didn't get a response, I waited and all he sent AGAIN was a photocopy of a statement.
08/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • RI
  • 02907
Web
I have been disputing this collection on my credit report for months now. It was removed from XXXX and XXXX but has not yet been removed from my XXXX report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.
01/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20748
Web Older American, Servicemember
A collection agency, NTL Recovery Agency has reported to all three credit agencies that I owe {$54.00} to XXXX XXXX XXXX and my score has been impacted. I currently have been with XXXX for 17 years at my current home that I own and checked with them and do not have a outstanding balance with them. My attempts to contact this company have been frutail as they have prompts to pay the debt and no one will talk to me. I have never received any letters, phone calls or any communication from this company. I think this is a fraudulent attempt to get money from people and this is wrong. How can the place a collection on your account that does not belong to you and you have never been notified? I want this removed from my credit report and for them to compensate me for the stress and damage this has done as I am in the process of getting a new credit card with a lower interest rate and this has impacted me. The company is NTL Recovery AgencyXXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. Please Help.. Thank You, XXXX XXXX, XXXX
02/05/2016 No
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 173XX
Web
Back in 2012 I voluntarily surrendered my vehicle. There was a remaining balance on the loan, which then got sent to collections. Since 2012 I have moved twice, and never received anything from the collections agency National Recovery Agency. I called them from from the number that was on my credit report, asking if they could please mail me something to verify my debt and balance that I owed. They said they mailed something back in 2012 and they did not have to send anything again. I told them that I never received anything, and asked again if they could send me something. She said they were not a billing company and since they already sent something in 2012 whether I received it or not - and my address did change- they would not send anything else. She also said that if I made payments on my debt they do not send a receipt or updated statement. How am I supposed to pay on a debt when collections agency practice like this? How am I supposed to pay when I am unsure of the amount, and if they are applying my payments to my account?
03/27/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95051
Web
National Recovery Agency ( NRA ) has improperly aged the real date of first delinquency ( on XX/XX/2018 ) to the service date ( on XX/XX/2018 ). NRA did not mail me any notice before regarding this matter, and they just reported this open credit debt to my history. My corresponding insurance claim shows that the medical center submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then they billed me on XX/XX/2018. If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when billed. By the law, the consumer has 180 days from the day of first delinquency to pay the medical account before the agency is allowed to report it to the credit bureaus. But NRA reported it on XX/XX/2018 based on their previous feedback to my complaint in CFPB. ( 1 ) NRA did not send any collection notice to me before reporting. ( 2 ) NRA altered the date of first delinquency. ( 3 ) NRA reported the account before 180-days period.
05/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85018
Web Servicemember
re : National Recovery Agency, XXXXXXXX XXXXOn XX/XX/XXXX I first learned of this debt when they sent a text to my husband 's number. They did have my number but known sent it to someone else. I called and tried to communicate with them but they hung up on me bc I would not verify my information when all I had received was a text to a number that is not mine. I did provide my info eventually and send a formal dispute. I called the medical provider/creditor and they had mistakenly listed my current address as invalid and I never received a bill of any kind. On XX/XX/XXXX after confirming the debt with my insurance provider, I paid the provider in full who promised to notify the collection agency. On XX/XX/XXXX I received my first written communication from either the collection agency or medical provider/creditor and that was only a copy of the creditor statement dated XX/XX/22. On XX/XX/1922 I received notice that they reported me to the credit reporting agencies. This agency is aggressive, rude and wrong at every level.
03/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91604
Web Older American
Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!
08/04/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20020
Web
I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.
11/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33837
Web
For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe ( 1 year ), leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them.
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14215
Web
I have reached out to this company on XX/XX/2023 via us mail, i have also reached out to this company via CFPB. National recovery agency responded with a Frivolous response. This company has lied and stated that i sent Cease and Desist so they were not able to respond, In my cease and Desist i made my DEMANDS very clear to only be contacted via us mail and CFPB. This company has tarnished my name and general reputation, disregarded my request to not communicate with me in any form including reporting alleged debt on my consumer report, reporting to consumer reporting agencies without my consent and having my Non public ( private ) information. National recovery agency chose what to abide by in my cease and desist demand letter and continued to report alleged debt without providing me the proper verification. I am now requiring monetary relief with depletions of alleged debt on my consumer resorts. Due to false reporting, ignoring my cease and Desist demands, and not having my prior consent to report such alleged debt!
02/28/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46208
Web
I HAVE REACHED OUT TO XXXX XXXX THE ORIGINAL DEBT COLLECTOR WITH PROOF THAT I DO NOT OWE THIS BILL NOR WAS THE SERVICE LISTED/BILLED IN ADVANCE ALL RECEIVED COMPLETE. I AM OWED A CREDIT FROM XXXX XXXX BECAUSE THE SERVICES QUOTED ON TREATMENT WERE PRE-PAID ALTHOUGH I NEVER COMPELTED THE TREATMENT PLAN. I WAS PROMISED A CALL BACK NUJMEROUS TIMES AND IT DID NOT HAPPEN. WHEN GOING TO APPOINTMENT I TRIED TO GET INTO THE BILLING OFFICE TO SPEAK ABOUT THE DEDT AND I WAS ALWAYS TOLD THEY DID NOT HAVE TIME TO REVIEW MY ACCOUNT. I DID NOT RECEIVE A COLLECTIONS NOTICE FROM THE COLLECTION COMPANY. MY CRFEDIT SCORES WERE ALL AFFECTED AND XXXX IS THE WORS AT RESOLVING ANY CREDIT DISPUTE ISSUES. MY SCORE IS ALMOST 700 AT XXXX XXXX AND XXXX WITH BILL PAYMENTS AND DISPUTE AND YET XXXX IS SILL AT XXXX REJECTED EVERY SINGLE DISPUTE THAT WAS APPROVED AND PROVED BY THE REMAINING TWO CREDIT BUREAUS. THERE IS NO WAY A PERSON CAN CORRECT CREDIT WITH THIS COMPANY XXXX. AND THIS DEDT IS NOT OWED AND A CREDIT IS DUE ON MY ASPEN ACCOUNT.
03/30/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NY
  • XXXXX
Web
RE : NRA LLC and XXXX - At XXXX on XX/XX/XXXX I received a call from an unknown number - Caller stated my name and asked me to verify ( no other information was provided by caller ) - I confirmed my name - Caller then stated last XXXX digits of my social security #. I declined and asked him what this was regarding. He told me he was calling from NRA LLC but refused ( despite my question ) to tell me what NRA LLC was. Caller said he would not tell me if I would not confirm my social security and hung up. - I was deeply disturbed by this and I assumed this was an attempt to steal information for identity theft. - I called back and the same caller answered. I asked what his company did and he replied, " I just talked to you, '' and hung up again. I called 3 more times and the call was deliberately rejected each time. - On the fourth attempt a woman answered who this time took the time to explain this was a {$24.00} debt (! ) that I was not even aware of and actually explained what the call was about.
02/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11563
Web Older American
Debit is listed under my dads name. XXXX XXXX 1- XXXX was my dad 2. XXXX died on XX/XX/XXXX 3 notification from national recovery advises XXXX that he owes XXXX as of XX/XX/XXXX. He died on XX/XX/XXXX. 4- national recovery reported on my credit report. My name is XXXX XXXX. I am not XXXX XXXX 5- as his daughter I dont inherit his debt. Although Ive tried to clear it up, but national recovery must submit reliable documentation of correct amount of debt. They have failed to do so. 6- national recovery reports on credit report that XXXX owes {$440.00} 7- Ive asked national recovery to justify the amount owed, to no avail. 8- I dont quite understand how the credit reporting agencies can place such a derogatory action on a consumers file without verifying the validity of the debt and the person that owes the debt. This is a serious abuse of power on the credit reporting agencies. Once again, my name is XXXX XXXX XXXX XXXX. XXXX Please advise. I have all documents available to substantiate my claim.
09/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96734
Web
In just the past month ( XXXX XXXX ), without any prior notice whatsoever, I have found a collection that has shown up on my credit report. I only found out about this through checking my credit score. The XXXX XXXX XXXX only had my name and a completely fraudulent phone number for me that I do not recognize. The NRA claims that I have a collection from an outstanding bill from XXXX from XXXX XXXX. I never had a account with XXXX in XXXX. The address associated with this account is an address that I moved out of in XXXX XXXX. When I left, I closed my account with XXXX, and transferred the service to a woman who took over my room and lease in this apartment. I confirmed that I had closed out my account with XXXX in good standing in XXXX. I never had an account with XXXX since, and I am not responsible for any outstanding bill from XXXX. Even the woman who took over the account confirmed that she closed the account and moved out of that apartment in XXXX XXXX, so this claim is completely fraudulent.
07/09/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 086XX
Web
My parents have been receiving a call repeatedly from XXXX. They weren't answering it, because they usually are wary of picking up the phone for unknown callers. My mom picked it up just the other day to see if it was important and to see why they kept calling. The woman on the phone said she wanted to speak to me ( I have gotten married in the last year, and I am no longer living with my parents ). My mom asked why she wanted to speak to me, and the woman just said, " It's a private, personal matter. '' She didn't say anything else. My mom said I wasn't available, and then the woman hung up. My mom told me, so I looked up the number, and it is associated with the National Recovery Agency, a debt collection agency. My husband and I are on top of our finances, have excellent credit scores, and we have paid off my student loans and our car loans. We pay our bills and our mortgage on time, so I have no outstanding debt. These calls sound like an attempt to get money out of me that I do not owe.
04/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 291XX
Web Servicemember
On XX/XX/2019, I contacted National Recovery Agency in reference to the debt verification letter that was not received in a timely manner after it was requested. They stated that they had the wrong address and they were correcting it and resending it. I emailed them telling them I consider this verification untimely because it may not arrive in time to dispute the alleged debt, which the original creditor says was an error in their records and that I do not owe. NRA Group , LLC stated that they would continue to collect the debt. When asked for proof they were liscenced to collect denlbts in Illinois and the state of South Carolina ( or on a Military Installation, for that matter ) they refused to provide liscenced number and proof as a registered debt collection agency. XXXX XXXX said the debt should not have been reported to collections. I am asking that the agency remove this information from my credit report as the alleged debt is now disputed and they have not verified the debt.
12/21/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32216
Web Servicemember
I have been trying to validate this debt with no success. After multiple letters to both National Recovery Agency and the 3 Credit bureaus for assistance with validating this debt I have received no sufficient response. XXXX will not respond to me whatsoever even though I can clearly see that they have been receiving my letters. This negative reporting has caused me to miss opportunities and has hurt my reputation. Since this has been on my credit report I have been denied for mortgages and it is currently preventing me from moving forward with my business. I am working very hard to resolve this matter but am being ignored by the companies involved. I have been requesting for validation from the moment I received notification of the collection and have very detailed tracking history. I have uploaded a few documents and more can be provided if needed. This does not seem right that I've had to work so hard just to simply have this validated and have been left with no other options.
08/03/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • FL
  • 33068
Web
NATIONAL RECOVERY AGEN Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
09/01/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78758
Web
This is the third collection agency that has tried to put this debt on my credit report. Prior to this being put on my credit report I was able to dispute this charge with success. Ive always had medical insurance, I took my son to the XXXX XXXX. Prior to leaving I paid my insurance deductible before leaving the hospital because I didnt want to be billed. I was chartered around XXXX dollars for this visit from what I remember. Two years later I received a call from the first collection agency about these charges so I called my insurance company to see if what if anything happened. I was told that me pay my deductible the day of, I fulfilled my obligation. It is unfair that this information is sold over again to companies trying to extort money that I dont owe. I would have paid long time ago had I known that I had a legitimate debt. I also call the original hospital that I took my son to and they went out of business so there is no record of charges for services.
07/06/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 153XX
Web Servicemember
Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.
11/09/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36609
Web
Received an email this morning claiming I owe a debt from XXXX. They said it is {$220.00}, that it is a former medical debt by a local hospital abd claimed that another collection company, XXXX, had previously bought the debt from that local hospital and now they, National Recovery, are trying time collect on this? My credit report has been cleared of all past due, collections, etc since XXXX of this year! The address listed on the debt is a combination of different former residences plus neither of those I have lived at since XXXX. The only information I was given stated I saw a XXXX named XXXX at XXXX XXXX on XXXX I have gone to XXXX, but not at that time nor did I see a doctor named XXXX Also, we refinanced our home with an fha loan earlier this year and ALL old debt or collections were paid at that time I take this seriously and am infuriated we have worked hard time rebuild credit after many years of caring for troubled kids and family. Please help
08/15/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • XXXXX
Web
At some point within the last month, prior to XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX regarding an alleged debt owed to XXXX XXXX. I advised them during this first call that I had always paid my dental co pays at the time service was rendered and had insurance. I disputed that I owed any money. On XX/XX/XXXX, I received another phone call from XXXX XXXX XXXX advising them that I had an attorney but they abruptly hung up before I could provide the information. On XX/XX/XXXX, XXXX XXXX XXXX called me again in violation of the FDCPA after having notice that I was represented by counsel. I advised them of my attorneys ' name, phone number, address, and bar number. This company is attempting to collect an illegitimate debt and their phone calls also amount to harassment because they willfully avoiding obtaining my attorney 's contact information so that they could continue to harassment. They are now liable for statutory violations of {$1000.00}.
06/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07201
Web
I received a call from National Recovery multiple times. I spoke with them. They stated that I owed this dept and how would I like to pay for it. I responded by saying what debt are you talking about? I'm not familiar with this. A rep from National Recovery said that their customer came to them in hopes of them recovering this debt from me. I said I didn't have a problem paying for it if it's me that actually owes it to them. I then said provide me the original documentation with my signature. The rep said if I send you the documentation showing I owed this debt will I pay for it? I said sure. The documentation they sent me did not prove I owed this debt. I have enclosed a copy of the documents sent to me. They have failed to provide the proper documentation. I would like to have this removed from my credit report due to failing to provide proper signed and date of documentation proving this debt is mine according to the Fair Debt Collection Practices Act.
03/09/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DE
  • 19958
Web
The National Recovery Agency has placed a balance of {$460.00} on my credit reports. They never sent me written notification of the debt, allowing me to dispute. They claim to have mailed it but I have mail forwarding from my old address and never received it, Furthermore, the bill is for the XXXX XXXX. XXXX XXXX bills me every month. They never notified me in writing that this bill was due despite them having no comprehensible reason to not know my address as I TRANSFERRED service to my new address. The first time I actually spoke with National Recovery Agency was just last week and it is already on my credit report. They have not even validated the debt before placing it on my report because they never gave me a chance to request validation. The debt being placed on my credit report is not validated debt! Moreover, I had this whole conversation with National Recovery Agency without confirming who I am. They did not know if I was myself or a third party.
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 43231
Web
I signed up for a 3 month challenge at a boxing gym in 2018. Paying {$59.00} a month for 3 months. When I attempted to not continue with the boxing gym after the 3 months they declined my written cancellation claiming I either needed a doctor 's excuse or to get absences excused. Suddenly a 3 month challenge turned into XXXX bucks the company not only has not enough space for he number of people they sign up but there is nothing else there but bags for boxing. If it was a full gym I would consider a full year. XXXX XXXX started off calling. I told them to stop calling. They then started text messaging. I replied to the text and again asked them to stop contacting me. Then they started emailing. I replied to the email on XX/XX/XXXX to not contact me anymore. Today on XX/XX/XXXX I received yet another email from XXXX XXXX. I replied to them letting them know I would be filing a complaint. ( caution to anyone signing up for these social media challenges )
01/18/2022 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
  • Was not notified of investigation status or results
  • FL
  • 322XX
Web
XXXX XXXX sent a collection account to National Recovery Agency on XXXX for the amount of {$66.00}. I was never notified of owing any money to XXXX XXXX, I assume this is XXXX XXXX XXXX. I have other ongoing medical accounts with them that are all in good standing. National Recovery Agency never contacted me regarding the account. They reported it to XXXX on XXXX. When I called National Recovery Agency on XXXX they stated they sent me a letter on XXXX which I have yet to receive. I was never given an opportunity to pay or dispute this bill. I actually have no idea what it is for. My credit score dropped XXXX points on the day before I was going to apply for a new auto loan, this has caused me undue damage and cost me considerably, this is the definition of Unfair Credit Reporting Practices. I paid the {$66.00} and a fee to National Recovery Agency as I need this removed and corrected asap and don't have time to find out what I am being billed for.
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32060
Web Servicemember
Was not aware of any bill owed to XXXX or National Recovery Agency until I was getting a home loan. Upon further investigation the so called debt is under XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX And never ever have used XXXX . When I called the collector they first said to write a letter and did verify that it is XXXX Account. So I wrote a letter. When I called back to see if the letter was received they would not discuss the account because Im not XXXX XXXX XXXX but would not remove it from my credit report as not being my debt. They said it was the credit bureaus error and so I contacted the credit bureau who said we need to talk to the creditors. How can a debit for XXXX XXXX XXXX XXXX be under my social security number when he has his own social security number. Please help me! I am very frustrated and can not get answers. I contacted XXXX the origin of the debt and they have no account tied to my name or social security number anywhere.
08/16/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32216
Web Servicemember
On XX/XX/XXXX of 2022 at XXXXXXXX XXXX I paid a total amount of {$2100.00} to the National Recovery Agency. They charged me a processing fee of {$7.00} making the total amount {$2100.00}. I had four debts that I paid off that day. In return they were to send a request of deletion letter to the credit bureaus so that these debts would be taken off of my credit score. The National Recovery Agency has only removed one of the four delinquent payments that I paid off that day. On XX/XX/XXXX and amount of {$1100.00} was removed from my XXXX credit report. A total amount of {$1000.00} that I also paid off that day was not removed. This company is very unprofessional and very rude I called them to settle the debt because I was unaware that these were owed and they treated me like a second-class citizen. They talked down to me as if I was not smart enough to understand anything they were saying. And I feel that they did not do what they had promised.
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 61008
Web
Received multiple phone calls and text messages on a weekly-biweekly basis since XX/XX/2022 from National Recovery Agency requesting to collect debt from a name that is not mine, and that I am not associated with.. Phone numbers include : XXXX, XXXX, XXXX : to call back at XXXX. Reference number : provided. I have answered multiple times, and even called back and said that my phone number does not belong to the name that is being requested. I have been contacted on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and today XX/XX/2022. I spoke with two representatives who said my phone number would be taken off the list. Today I received a detailed text message from National Recovery Agency stating who the debt is being requested for, the total, and a reference number. When it occurred, and when the final resolution needs to be met for this collection. All information that does not pertain to me.
03/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IN
  • 464XX
Web
Hello, XXXX XXXX added an account to my credit report of {$720.00} for a phone in which I have never had. Back in XX/XX/2019 when I was XXXX XXXX XXXX, I went into XXXX XXXX to purchase a new phone as a new customer with their company. The XXXX representative in the store tried setting me up for an XXXX XXXX that was yellow and tried transferring my old telephone number over from XXXX XXXX. He tried on three different yellow XXXX and failed each time resulting in him giving me a totally new number connected to a brand new blue XXXX XXXX. XXXX is now sending me a bill for the yellow XXXX when I have never even had this phone since the employee said that the yellow phones wouldnt work ( burner phones ). They now have an account linked to my name on my report for the burner phone and I would like the situation fixed. I received a bill in the mail for the burner phone but XXXX and XXXX XXXX claims they dont see anything on their ends.
04/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77584
Web
On XX/XX/XXXX I called for an ambulance from City of XXXX - XXXX ( XXXX-XXXX ). The XXXX-XXXX sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX-XXXX ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA ). I sent a letter on XX/XX/XXXX to NRA letting them to know that XXXX-XXXX was supposed to file the claim with my insurance company but they failed. The NRA put this collection item on my Credit file without listening to me, reviewing the case or offering any amount for settlement BECAUSE I AM AN XXXX and XXXX! I would greatly appreciate your involvement in this case to ask NRA to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. Thanking you in anticipation.
07/02/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 37209
Web
I received an unusual text from National Recovery Agency about a debt with a Maryland utility company, XXXX. I had never heard of National Recovery Agency and I have never received a text message in place of a letter from a collection agency, with a link to pay processing fees in addition to the amount owed. A few hours later, I received a call from the original debt collector, XXXX, who had no knowledge of or connection to National Recovery Agency. Fearful of a scam, I contacted XXXX directly and took care of the balance. I then called National Recovery Agency and spoke to a XXXX XXXX. I explained what happened and asked to be removed from their list. I explained that I didnt know if their tactics were legal, but that I no longer wanted to be contacted by them. XXXX XXXX became belligerent, and abusive, telling me that I only called to argue and then she abruptly hung up on me. This behavior, in total, is unacceptable.
06/26/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02121
Web
This debt is a utility bill from a previous residence that included two other individuals that I no longer have contact with. I have payed a portion of this bill some time back and am working under the calculus that I do not owe further monies to this company due to paying my portion. Initially, this debt was listed as a collection on my credit report without any identifying information. After disputing this collection a couple of times and my credit report being updated to show the this collection was being handled by National Recovery Agency, I reached out via certified mail stating that I do not believe I owe further monies and to provide me with all account information including balance etc. ( this was taken from a letter on your website ). They signed for this letter on XX/XX/2020 and have not responded to my request. I would like to resolve this ASAP so that it does not continue to affect my overall livelihood.
04/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77584
Web
On XX/XX/XXXX I called for an ambulance from City of XXXX - XXXX ( XXXX ). The XXXX-XXXX sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA ). I sent a letter on XX/XX/XXXX to NRA letting them to know that XXXX was supposed to file the claim with my insurance company but they failed. The NRA put this collection item on my Credit file without listening to me, reviewing the case or offering any amount for settlement BECAUSE I AM AN XXXX and XXXX! I would greatly appreciate your involvement in this case to ask NRA to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. Thanking you in anticipation.
05/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • XXXXX
Web
On XX/XX/XXXX of this year, I contacted XXXX concerning the illegal tactics that National Recovery was using to attempt to collect money I have no knowledge I owe. The account number of the National Recovery isXXXX. I requested that National Recovery send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that National Recovery is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from National Recovery that it has reversed itself. National Recovery can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
04/13/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 17013
Web Older American
I was advised on Thursday XX/XX/2019 via my XXXX XXXX alert that NRA Group XXXX PA had reported and opened a Collections Account in XXXX and XXXX for a delinquent Medical bill owed to ( XXXX ) XXXX XXXX Hospital for the amount of {$230.00}. Actual amount was for {$220.00} which had been paid in full on XXXX XXXX. IN FACT THERE WAS NO ( XXXX ) XXXX DOLLARS owed or pending when XXXX XXXX reported this the Credit Reporting Agencys IN XX/XX/2019. This has caused a negative impact on my otherwise ( VERY GOOD ) Credit Rating for years of 100 % on time Payment Reporting to XXXX, and XXXX. There was no formal prior USPS letter, verbal communication, or contact whatsoever, or any attempt made by the NRA GROUP to me to advise me of their attempts to collect what turn out to be a paid off invoice or they would have been provided the documentation showing the {$220.00} had been paid to XXXX ( XXXX XXXX on XX/XX/2019.
11/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33511
Web
This companies response did not address any of my complaint and deflected from the fact that they violated my HIPPA rights and privacy. I requested this company provide me with a contract bearing my signature between myself and them. I will be filing a HIPPA complaint on this company. This debt was not verified. This is not my debt. This company stated they will stop all communications at my request. I requested they remove this negative item from my credit report and cease and desist all collections efforts. In their response the stated I requested to cease and desist all communication. I demand National Recovery Agency to remove this item all 3 of my credit reporting files. I will be sending the documents you use to violate my HIPPA rights and privacy to the Office for Civil Rights ( OCR ). I request also that the CFPB send this response back to the National Recovery Agency for an appropriate resolution.
03/23/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • ID
  • 838XX
Web
This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,
04/30/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 17111
Web
I have disputed a duplicate and expired daycare bill with National Recovery Agency and the Credit Bureaus multiple times. They have sent correspondence to me regarding XXXX XXXX XXXX XXXX. The Date of last activity for the service I had there was XX/XX/2014. They are also reporting this in duplicate on my credit. Same dollar amount listed as owed but two different account numbers. There was only one account with XXXX XXXX XXXX. The location has closed years ago and I have not been able to get in touch with anyone from there regarding this. The service and payment breakdown that XXXX XXXX sent me clearly states that the date of last activity/payment was on XX/XX/2014, yet the front of their letter states that the last service date was XX/XX/2014. The dates on my credit report also do not reflect a proper date of last activity. National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX
08/31/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AL
  • 351XX
Web
On XX/XX/31 I called the company at XXXX to inquire about the information reported. The answered NRA then stated National Recovery Agency so I'm not even sure if the company is legal because they are going by more than one name. I informed the agent I wanted to dispute. The agent informed me I would have to prove the account wasn't mine. It is on the company to do a through investigation on any account they report or collect not the consumer. The agent then informed me I could dispute but the account would remain active and open. If the company is doing an active investigation how would the account remain active and open during the investigation. I then requested a manager multiple times and the representative continued to say have a good day multiple times and end the calls. I as a consumer have the right to dispute any item not familiar to me on my report without being lied to concerning the process.
01/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37421
Web Older American
i received a notification in XXXX of XXXX that the power company in upstate NewYork ( XXXX XXXX ) had an outstanding charge in my name for {$110.00} from XX/XX/XXXX Upon investigation through National Recovery Agency in XXXX, PA it was determined that this resulted from identity theft. The charge occurred in XXXX and i moved out of New York State in XXXX. I subsequently filed a police report with the XXXX County Police and was issued an incident number on XX/XX/XXXX. Thereafter I submitted the incident number to National Recovery who advised me they would follow up with XXXX XXXX. After waiting more than a reasonable time I began making weekly calls to the representative with whom I had been speaking. Each and every time the recording stated that the person at that extension was unavailable and that I should leave my name and number and my call would be returned. To date I have received no information.
01/09/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 10024
Web
On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.
12/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02907
Web
This account is for the house that I lived in and owned but was for a different unit. I purchased the house back in XXXX of 2017 and originally had utilities included. After realizing how expensive it was and having my tenant eventually move out I had the lease updated to reflect that the tenant would now be responsible for the utilities. It appears that the account was still used after they moved in without my knowledge. The tenants were responsible for their own utilities. I request it be removed. I called and they said this account had been sent to a collections company which was also down without my knowledge. I had already gotten this resolved with two other accounts they made the same mistake with for the same household.. I guess they missed this one. Now this is affecting my credit negatively which is problematic because I have goals and dreams that require an accurate depiction of my credit.
12/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 238XX
Web
In accordance with the Fair Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 NATIONAL RECOVERY AGEN XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30028
Web
account number XXXX Consumer Number : XXXX Provider account # XXXX XXXX Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XXXX XXXX 2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 4/In the XX/XX/2022 we received a collection mail from XXXX XXXX XXXX. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it. XXXX XX/XX/2022 The XXXX XXXXXXXX XXXX XXXX has removed this fraudulent account and balance. 6/ In XX/XX/2022 I have received the letter from National Recovery Agency for the same amount.
04/07/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34787
Web
This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, Ive never given them consent to that nor have I ever done business with this company
01/30/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 22554
Web Older American
I recently checked my credit report and found that a collection was posted to my account. The collection was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The original debtor was XXXX XXXX XXXX XXXX, XXXX @ XXXX XXXX XXXX XXXX XXXX, PA XXXX. I NEVER received an actual bill nor notice from original creditor that alleged debt would be turned over to a collection agency. I NEVER had a chance to pay or resolve the original creditor before debt was parked with this collection agency. I can not pay a debit unless I receive a bill and/or notification of debt. As a result of this blindsiding collection attempt - my credit rating has been ruined! I am willing to resolve this debt with the original creditor if it is a legitimate debt, but most importantly I demand that this collection be removed from all credit bureaus it is reported to and that my excellent credit be restored.
04/09/2020 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21117
Web
I found out on XX/XX/XXXX about information sent to collections through XXXX XXXX. I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from National Recovery Agency ( collections agency ) prior to placing on my credit report. I never received a letter giving me the opportunity to validate the debt. I have contacted XXXX XXXX in XXXX of XXXX regarding the charges that were charged to me because the insurance companies XXXX XXXX and XXXX have paid the allowed amount of some of the charges and the other charges for the medicine they never billed the insurance company. I have called several times for months and they said someone from the billing department would contact me. Please investigate XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.
04/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • XXXXX
Web
I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX and XXXX reports. XXXX has consumer disputes and XXXX does not.
10/21/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • RI
  • 02816
Web
I received a collection notice from XXXX XXXX/National Recovery in the dollar amount of {$220.00}. They have reported to the credit agencies that the account was opened in 2018 which is incorrect. I have tried to sort this out with them but have gotten no resolve in the issue. They have deliberately pushed the open date up by two years thus adversely affecting my credit scores and extending the standard time that the collection would stay on my credit report for. Unfortunately by increasing the negative reports for a longer period of time causes my credit opportunities to diminish, my percentage rates to be higher, as well as pay higher insurance premiums and reduces my contributions to the economy. I would like to have the cfpb look into this so that it may keep other consumers safe from being taken advantage of and made to suffer the same negative effects that it has burdened me with.
11/12/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37013
Web
I was a member of a one time XXXX XXXX challenge at a fitness center. It was advertised as needing so many members by a certain date and it would be free of charge once the several week XXXX XXXX challenge was completed. Once I arrived I was informed I needed to pay a fee in which I did. I was unaware that after the program ended the company would falsely continue to take {$50.00} a month of my bank account through a third party Company. Once I spoke with my financial institution and contacted the third party Co ( In which there was always a recording, no live rep ) I closed the account to keep the Third Party Co. from continuously withdraw from my account that was not approved. The company had my account info from when I had to pay the one time fee the day I attended the first visit for the XXXX XXXX challenge. Now I'm receiving a collection notice for {$170.00} that is not owed.
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11229
Web
NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX be playing different unlawful tactics to collect DEBT THAT DID NOT OWNED or BELONGS TO ME ; since XX/XX/2019, they've sent me different collection letters each time l demanded debt verification, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX choose not to reply to my demands " PROOF OF DEBT OWNED '' instead NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will placed the said collection on my credit profiles with XXXX, XXXX and XXXX each time with different company names, which time NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX did not get favorable answer from credit bureau, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will use different collection agency to placed the said debt unto my credit profiles with XXXX, XXXX and XXXX. ( see attached for several letters l wrote via certified mail )
11/05/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30906
Web
On XX/XX/2023 I sent a dispute request to National Recovery Agency and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to XXXX XXXX XXXX these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.
12/02/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 02346
Web
NATIONAL RECOVERY AGENCY has a negative remark on my credit report via XXXX stating that I owe an alleged debt for {$1200.00}. The Original Creditor was XXXX XXXX XXXX. I have no contract with NATIONAL RECOVERY AGENCY. They have submitted a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. The communication between NATIONAL RECOVERY AGENCY and XXXX XXXX XXXX about me is in direct violation of my privacy per the Privacy Act of 1974
04/24/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 172XX
Web
I contacted my health insurance after receiving a bill from a medical facility. The date of service was on XX/XX/XXXX for {$110.00}. My XXXX insurance paid {$280.00} on XX/XX/XXXX. This is the second time for this bill that the medical facility tried to bill me for this invoice. I spoke to the medical facility about the XXXX time they were trying to bill me on XX/XX/XXXX at XXXX AM. The call ended and was told that they will review my file. I spoke again to the medical facility on XX/XX/XXXX and left a message. I received a phone call by the medical facility and was told that they did receive the payment from my health insurance and that they called the debt collector company and also faxed them saying to delete this account it was the medical facility and not my fault. I was told by the debt collector that they cant get into my account because they closed the file.
04/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08054
Web
There was a medical collection that was placed on my credit by NTL XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
02/18/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17042
Web Servicemember
I do not know who National Recovery is or why they are on my credit report. They have never sent me any written notification of a debt owed. They have also never sent me any verification of the accounts when I disputed them with National recovery! I do not know why they are on my credit report, but I know they are damaging my otherwise immaculate credit profile, for no reason at all, that I can see! Please help me, my husband and I are trying to move to a new home soon, and these showed up on my mortgage report, and that's how I found out that I do not qualify for a mortgage and what a National Recovery account was! The collection account that's over {$1000.00} is stopping me from fulfilling me and my husbands dreams, and I don't know why they are even reporting! They HAVE NEVER sent me anything, you would think for a debt over {$1000.00} they would send me something!!!!
02/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • XXXXX
Web
It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to XXXX XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these XXXX communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
02/04/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • XXXXX
Web
It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my 20+ communications to XXXX XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these 20+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
08/30/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 72450
Web
I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths that the statements of the facts of the matter, have first-hand knowledge and must be notarized. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease collection of this alleged dept which includes reporting to my consumer report with XXXX, XXXX, and XXXX. I hereby inform you that you do not have my consent to communicate with me through US mail. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
04/10/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19601
Web
I received the following message from debt collector for an address I never lived at or owned : Important message about your XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. We previously sent you a notice of your validation rights under the Fair Debt Collection Practices Act. You may still have time to exercise those rights. Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} If you do not dispute the debt, please send your payment to the address below or go to XXXX XXXX your NRA ID # is XXXX National Recovery AgencyXXXX XXXX XXXXXXXX Email XXXX A XXXX XXXX XXXX XXXX To stop receiving text messages reply STOP
06/15/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 33311
Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This company has threatened to garnish my wages as well as saying they will sell my information to other companies. They have sent multiple bills to different address of family members that have same last name as me that I have not spoken too. I have asked multiple times of proof, even have gotten lawyers involved so the calls and mails can stop coming in. Im not getting approved for anything as they are saying they will report this collection to any loan agency or anything to hinder me to fix my credit and get approved. This account has been opened since 2021 and since then I have been attacked with calls and bills and threats of garnish or unemployment.
12/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 479XX
Web
I have called and written the National Recovery Agency ( NRA ), located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX in an attempt to resolve this matter. This is not my debt. I ordered product from a company ( King Size ) in XXXX of XXXX, and it was never received. I disputed the charges with my credit card company ( XXXX XXXX ) and after a 30 day investigation and no response from the company, it was determined that the charges were fraudulent and illegitimate. I verbally explained this on multiple occasions to representatives from the National Recovery Agency as well as sent a letter in XXXX of XXXX ; explaining the situation in detail, this is a fraudulent debt that the NRA is harrrassing me daily to pay. This was resolved through my credit card company. I am not responsible for this debt. I never received the merchandise. This is harrassment.
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19114
Web
On XXXX XXXX, 2019, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
12/15/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32258
Web
On XX/XX/XXXX, I received a letter from National Recovery Agency with an itemized list of procedures and services provided at a hospital on XX/XX/XXXX. First, I never received notice regarding this debt to allow me to dispute. This company had included an itemized list of services and procedures from the hospital, which is a direct violation of HIPAA, as I did not authorize this because I was unaware the debt existed until I received this notice on XX/XX/XXXX. So on XX/XX/XXXX, I responded to the company indicating I never received notice of this debt, nor did I authorize or request any information relating to this account - as I didn't know it existed, to begin with. SO when the letter from the company stated I authorized and/or requested an itemized bill or something similar is 100 % false. I never knew this existed before this letter.
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19114
Web
On XX/XX/2018, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
06/09/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 13126
Web
National Recovery, the individuals allegedly persuing a debt of a XXXX XXXX bill, reported said debt to my credit report with no prior written notice of such claim, no account number associated with said amount due and no chance to pay debt, before they reported alleged debt to my credit. I deserve to have knowledge of said debt and a chance to reconcile such debt, before it impacts my credit score thereof. For such wrongful demeanor and unrelentness false reporting, I request the inquiry be removed. So, I have a chance to dispute such claim ( s ), before the claim has an impact on my CREDIT score, which National Recovery did not give me an option nor a written bill or any validation of said bill even existing prior to the reporting of alleged amount owed to the credit bureaus. Sincerely, XXXX XXXX ( Business Owner/Entrepreneur )
06/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 193XX
Web
I was contacted by National Recovery ( NRA Group LLC ) via text and email notifying me of a debt they alleged I owe from XXXX. The address they provided was incorrect and I knew without a doubt the debt was not mine. On XX/XX/XXXX I sent National Recovery a letter via USPS demanding substantiation of the debt and an e-mail notifying them of the incoming letter. I also explained in the email that I would file a police report with the information they provided as this debt was the result of an error or identity theft. Despite my USPS letter and two emails, I did not receive a response or substantiation of the debt in any form. Meanwhile, National Recovery filed and reported the fraudulent debt the credit bureaus. On XX/XX/XXXX I contacted National Recovery again by email and by phone. They said they would investigate the matter.
06/30/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 435XX
Web
National Recovery Agency XXXX keeps calling my cell phone to collect a debt. I have no idea who these people are. I receive 4 to 5 calls daily, sometimes they hang up when I answer, other times it is a pre recorded message. I once talked to a gentleman and he proceeded to tell me about this debt I owe ( not knowing what debt it was ) all before verifying who I was and getting the information. I have requested numerous time to send me in writing the debt that I owe. When I talked to this man I asked him if they ever notified me by writing or sent me confirmation of the bill and he said they sent a statement XXXX of 2015. I then told him that was a year and a half ago and I have received nothing. When I asked why he had not verified who he was talking to before going into length about this bill and amount he hung up on me.
07/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 754XX
Web
I've been sending disputes for several years thru XXXX, XXXX, and the XXXX XXXX in XXXX, MA, ( company ) telling them that the account was opened fraudulently using my name wrongfully. I've never lived in XXXX, MA, never been there, and have no idea to whom belongs this account. The account in dispute is for a Gas Bill from XX/XX/XXXX, in the amount of {$2100.00}. I'd been living in Texas since XX/XX/XXXX. Since XXXX my credit is been affected adversely and can get new credit or be denied because of this. All my disputes are in XXXX and XXXX records. Not sure why for me a Hispanic/Latin American person is so difficult to resolve this issue, even though the information is easy to be verified, the name Is not my name never lived there and is a commercial account. Is been more than two years and this is not been resolved.
11/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30906
Web
So I just received your response to my CFPB complaint in which you indicated that you would not provide me with proof because of a cease and desist request. First of all I am not a woman I am a grown man and you stated HER that just indicates that your information is totally incorrect. You do even know my gender so how can you say that you have documents to verify this alleged debt. I don't know who this person is that you are referring to when you responded but once again I am demanding you STOP reporting this fraudulent information about me because I will not stop pursuing litigations and I will use these complaints as evidence that you are furnishing inaccurate information against me which is a violation of 15 USC 1692. I have provided evidence that you stated the account meets FCRA requirements but It does not.
11/29/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32003
Web
I was called on Wednesday XX/XX/26 and a woman from National Recovery Agency called and asked for me. I verified my name, and she asked me an incorrect address, I stated no and she replied oh that may be why and gave me her mini Miranda letting me know it was an attempt to collect a debt and disclosed all of my medical information without a proper piece of verification and on top of that seeming very rude. With being I victim of having my information compromised in the past and working in a collection agency myself I know not just a name is a proper and only piece of verification. There has been many times to where people have called pretending to be me to see what my business is, but fortunately companies who know the correct way to verify a consumer did not disclose any information without a correct verification.
05/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02155
Web
XX/XX/XXXX I was in the process of buying a home when it was brought to my attention that my score dropped over XXXX points! I contacted the company in reference to the debt and spoke with a manager to which the manager revealed to me that there was a case and desist or place on the collection company on XX/XX/XXXX. The manager realized it was clearly a violation and provided the email to the compliance department. I don't own this debt as part of the court order when my house was sold through a petition to partition all debt for the home was submitted and paid prior to the house being sold! Now that I cant buy the house I wanted this has cost me thousands of dollars, the loss of the property I was trying to buy, and I have to start the whole home process again! Debt collection National Recovery Agency
12/08/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 196XX
Web
National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. My customer number with NRA is XXXX
04/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27616
Web
Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist. Thus, I couldn't be provided with the billing and payment history.
01/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30088
Web
Ive had noted identify theft in the previous years. This particular account in question has previously been flagged and reported & removed. It has since been but back on my credit ( Im assuming because another company bought the debt ). I have reported yet again to all 3 beauties providing the only documentation that I have, such as drivers license, home lease etc. XXXX deleted the debt but XXXX still states that it is my debt. I spoke to the creditor before it ended up back on my credit report and they requested for my to travel during a pandemic from the state of GA were I reside, to XXXX ( where the fraudulent account Was created ) & file a police report. I am a XXXX & I am a hard working. I can not risk running state to state & possibly catching Covid, just for a police report. Please help!
11/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20715
Web
Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22182
Web
XXXX XXXX continued to bill me for the residence I was in at The XXXXXXXX XXXX XXXXXXXX after I had canceled my service and moved from the location. I called many times to have XXXX XXXX remove this charge yet they did not. Then, when I received the collection notice I disputed it with still no avail. Next thing I knew the collections company National Recovery Agency XXXX PA sent it to the credit Bureaus. I have a letter from The XXXX stating when I moved prior to the incurred utility charges in question. Despite all this I paid the collection agency so it would not be sent to the credit bureaus yet it was sent anyway. XXXX XXXX never sent me a cancel confirmation when I canceled my services and never followed up with any cancellation notices in the multiple times I requested them to do so.
08/26/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32256
Web Older American, Servicemember
Discovered three negative remarks on my credit report all three were placed by National Recovery Agency, and the client for each was XXXX XXXX XXXX. Each of these are different dates of service. I offered to pay one of these bills each month starting with the lowest balance until all balances were paid. National Recovery wanted to combine all three balances and have me pay a third of the total each month. I don't offer money I don't have I also believe this would " reset the clock '' on each of these debts. I reached out to XXXX XXXX and paid the first balance of {$110.00} it is noteworthy that only one balance exceeds {$500.00} further motivation for National recovery to combine balances. I would like the negative remark removed from my credit report before I pay any further money.
03/16/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10003
Web
On XX/XX/XXXX XXXX XXXX XXXX contacted me regarding a collection debt for monies owed to XXXX XXXX XXXX XXXX for an account I cosigned ( I was informed all amounts due on the account were paid in full ). I responded on XX/XX/XXXX in writing to verify debt and never heard back later learning they reported me to the credit bureaus. I contacted them and they acknowledge receipt of letter with 30 days but did nothing to verify. On XX/XX/XXXX I received a letter from National Recovery Agency ( XXXX XXXX XXXX, XXXX, PA XXXX ) providing an itemized bill which did not show what was owed clearly. I sent them a letter on XX/XX/XXXX requesting back-up to verify amounts on the bill that were not clearly valid. I have never heard back from them to date and learned they reported me to the credit bureaus.
05/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 028XX
Web
This complaint has been previously submitted and a copy of the previous complaints shall be uploaded for your review. However, a new issue of complaint arises for each and every time these crooks falsely believe they can change their company name or whom they buy/sell the debt to and attach a false debt claim to my credit history. I will say it again the initial creditor was not authorized to open an electricity account in my name nor did I ever make application for such an account! Inclusively the electrical work was illegally wired in such a way that usage could not be fairly calculated between multiple units as proved in a courtroom of law and by a licensed journeyman! I want these accounts removed from my credit report immediately please. Thank you for your time and consideration!!!
06/01/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 13021
Web
XXXX XXXX XXXX dropped the debt after i contacted them ( this is the third time i have had this removed from my credit due to fraud ) now 3 days later XXXX XXXX XXXX has been calling me and harassing me about a debt i do not owe. I was run over by a car in XXXX XXXX XXXX XXXX XXXX XXXX. The no fault insurance from XXXX plus my own personal insurance covered all aspects of the debt. talked to a person from XXXXXXXX XXXX today who claims I owe a XXXX dollar fee which would be a copay but in XXXX my copay was XXXX dollars so I knew they were lying. She was abusive and triggered XXXX XXXXXXXX which i am know so angry that i am actually reaching out to you. I just want these abusive debt collectors to finally stop attacking me so I can finally heal from my XXXX XXXX experience. Thank You
07/24/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11105
Web
In 2013 I moved out of my apartment where I had XXXX XXXX XXXX. I sent the equipment I was using back via prepaid shipping labels that XXXX provided me. Not long after they attempted to the claim the equipment was 'never returned '. I argued this point with them originally and they agreed back then and backed off the issue. Fast forward to this weekend and I have a fraudulent derogatory mark added to my credit by 'XXXX XXXX XXXX ' in the amount of {$380.00}. This is absolutely fraudulent and attempt to derail my near perfect credit between two corrupt organizations. I 've heard of this exact same tactic being used on many individuals via online research. I want this removed from all three credit reports immediately and both of these companies should be pursued with legal action!!!
10/16/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08859
Web
In a previous complaint to the CFPB under case number XXXX, the aforementioned agency mentioned in the complaint responded to on XX/XX/XXXX, advising that the {$75.00} debt was incurred over 2 years ago, which I was not aware of. Therefore, on the above date, payment was made in full with the online portal of NRA Group , LLC. I was informed that billing was requested, please ensure that if the billing documentation is not associated with me or for a date of service prior to XX/XX/XXXX, that the appropriate refund will me made to me. Also, as mentioned, I was not aware of a small balance owed as mentioned above, as soon as it was clarified and brought to my attention, payment was made. Please ensure that nothing is reported to the major credit reporting agencies/repositories.
08/17/2023 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
  • NJ
  • 07666
Web
In XXXX I made a payment to NTL Recovery Agency, who stated I owed {$130.00} to XXXX XXXX XXXX XXXX in New York. The account was removed from my credit report but appeared two years later stating the account was open in XXXX. I no longer reside at the address and have not been for three years. do not owe any money to this company. When I call to get verification of my debt they ask for and account number which they should have available as they are the ones stating i am owing that debt. I filed a dispute with the three credit bureau, they sent back information stating the account is accurate but did not provide any documents as proof as requested. There is no contact number for this company and or any way to reach out to them. This is affecting my credit score. Please assist.
03/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10314
Web
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : NATL RECOVER ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$150.00}
01/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 728XX
Web
In XXXX I found out that I have a fraudulent utility bill in collections with a company named NATIONAL RECOVERY AGENCY by way of a XXXX XXXX XXXX. I contacted XXXX XXXX and told I never even lived at the address they had in New York as well havent lived in New York since in high school. They tell me the collection agency has to remove it because wits been sold to them. I contacted the collection agency and they gave me the run around and this is CLEARLY IDENNITY THEFT when this even even my information or state I live in. They have used my social and name to open accounts in New York and I want it REMOVED off of my reports immediately. This is my last attempt before this goes legal as I have NEVER had any utilities in the state of New York. I havent lived there in DECADES
05/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06824
Web
last month I received notification that National Recovery Service put a derogatory remark on my credit report for {$600.00} relating to an unpaid gas bill with XXXX Gas and Electric from usage between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, XXXX. I sold that property in XXXX and have lived in XXXX since XXXX so it is not my bill. I have contacted XXXX Gas and Electric and they explained to me that I somehow set up an option where if noone 's name is attached to the gas bill the gas bill is forwarded to my name ( I don't remember doing this ). But I should not be responsible for a future owner 's gas bill and this is ruining my excellent credit. I have requested investigations from XXXX, National Recovery, and all credit bureaus but have not gotten anywhere.
03/27/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95051
Web
Regarding your previous feedbacks in CFPB, it verifies that : ( 1 ) NRA ( National Recover Agency ) reported on my history first, and then they tried to inform me. ( 2 ) The day of first delinquency is inaccurate or altered by NRA and reported to the credit reporting agencies. Anyway, the current debt is not mine, because I have no unpaid statement bill on XX/XX/2018. -- - I paid/pay my valid bills within the legal period. My attorney advised me to stop paying any invalid request by any entity. Unless the bill is inaccurate, I am not owed. If you can validate the bill, I am willing to pay in return for your agreement to remove all information regarding this debt from the credit reporting agencies asap, despite the fact that I do not trust NRA based on ( 1 ) and ( 2 ).
06/08/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NH
  • 03110
Web
XX/XX/XXXX I contacted the center director from XXXX to again request correction of the amount owed. She told me she could not because records were sent off site. XX/XX/XXXX Debt was reported to credit bureaus. XX/XX/XXXX I contacted National Recovery Agency to dispute the amount. XX/XX/XXXX XXXX said account would be noted as in dispute, requested supporting e-mails with the center director. XX/XX/XXXX XXXX said if XXXX could not validate the debt the account would be closed. XX/XX/XXXX XXXX said it takes 45 days for validation and they had not been authorized to report to credit bureaus yet. XX/XX/XXXX I contacted NRA to follow up since it was long past the 45 days. They said We have no control over the processing time as it depends solely on our client.
04/19/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77584
Web
National Recovery Agency, XXXX XXXX XXXX, XXXX, PA-XXXX asked me to pay a debt of XXXX XXXX XXXX-XXXX bill of {$1600.00} ( NRA ID # XXXX ) which I did not owe as XXXX XXXX XXXX-XXXX did not file their claim with my insurance carrier XXXX XXXX XXXX on time. I already mentioned this fact to them on XX/XX/XXXX but without my knowledge they WRONGFULLY, UNJUSTLY, UNFAIRLY put it on my credit as 'PLACED FOR COLLECTION ' FOR NO REASON! I filed complaint with CFPB on XX/XX/XXXX ( CFPB Ref. # XXXX ) and N.R.A. responded on XX/XX/XXXX but as of today XX/XX/XXXX they keep dragging it and did not resolve the issue yet. They are the one who inserted negative item on my credit for no reason and they are the one who should remove it. It is their fault so they MUST remove it.
10/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68137
Web Older American
On XX/XX/XXXX, I received a text message from National Recovery Agency saying I owe a debt. I do not. I called the the company that I supposedly owe the money. They checked the account number given by NRA, checked by my name, ssn, and they dont have any accounts in my name, by an account number ; in fact they dont even use that type of accounting number. I always use a third party payment system to purchase items, and dont pay the company directly. The NRA texted me again on XX/XX/XXXX. I dont owe the company any money, dont have any account with the company, and dispute this debt. I did not call NRA directly as I believe it to be a scam of some sort. Ive never heard of an debt collection agency texting, however, Ive never had to deal with debt collection.
12/01/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • NJ
  • 08857
Web
We try to find out with this company National Recovery what is going on with the debit reported for a {$4500.00} and was told to me that this debit it comes from a gas company XXXX XXXX. I ask to have some paper work that to confirm this bills that i own because there is no chance that i own those money.If you own anything to any utillity company if u do not pay for a month your bill they will stop your service but {$4500.00} ar to much for a bill This company try to threat me that they take me at court and thet will have a Sheriff Department coming to arrest me if i do not pay.My life is so stresefyl right now from this company. They can't prove the bills to show the real amount The adress on file do not match at all with where i live and the state i am in
06/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38109
Web
I have already sent this company a letter to validate this claim that I have any contract with them. The company did not provide any information staying that I have any contract with them. So they has deleted this account from my consumer report. Also this company has many names that go by trying to be confusing to consumers that wrote me again try to collect on a debt that I do not owe to them. They are breaking the laws of the CFPB/FTC I have a right to privacy as well as a consumer. I also sent the a cease and desist letter and they still decided to break the laws by contacting me about debt I do not owe them I have no contract with them I will sue them if they decide to keep this up its a XXXX per volition. I will go to small clams court and get Remedy.
10/18/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85340
Web Servicemember
The national recovery agency, acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue.
11/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17109
Web
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. National Recovery Services hired a third-party collection of XXXX XXXX University to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
02/28/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07601
Web Older American, Servicemember
A collection agency by the name of National Recovery collection placed on my credit report a debt from a Hospital emergency visit in a Pennsylvania state of approximately {$5500.00} in XXXX of 2020. Apparently this person is not me because I dont live in Pennsylvania as stated on the collection agency information and the an addressed provided at the was not my address. Im trying to to take the right approach to clear my name but Im not sure what is the right way of clearing my name. Upon reading my statement please feel free to reach out to me for further information on this situation. I will provide as much information as I can to try clearing my name. I am very sure that this person in question with this emergency visit is not me. Thank you!
06/26/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32216
Web
Hello, my name is XXXX XXXX. I had a debt claim that I have arranged a payment plan for and have been paying on for months. I got a letter in the mail from a totally different debt collecter asking for the same amount. Account number XXXX. I want this other one taken off of my account and whatever else it is on as I have been paying on it. I also do not want my information given to anyone else. Keep your records straight and quit trying to scam people out of even more money that your Company does not even deserve. The one I have made the arrangement with initially is National Recovery Agency. Since XXXX continues to sell my information, illegally, I want the other one dropped off. I have already given you more than deserved at this point.
06/09/2022 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
  • Their investigation did not fix an error on your report
  • FL
  • 32043
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
04/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 170XX
Web
I received a call from National recovery agency about two unpaid records. And I have all records on my end. I told them what they have is wrong. and then they keep calling me and sent me a mail. Of these two unpaid records, the one on XX/XX/2018 is not existed ; the other one on XX/XX/2018 is a mistake. When we visited the provider on that day, we give the wrong insurance card. and we later update them with a new insurance card. I personally visit XXXX XXXX XXXX financial department and they said the problem is solved and told me not to worry about the wrong bill. I have no idea how the National Recovery Agency gets these wrong and outdated information and tried to blackmail me. but please help me to stop them from doing this. thanks.
12/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27104
Web
XXXX failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. National Recovery is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. XXXX, National Recovery, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.
01/18/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76001
Web
I have disputed previously disputed with a different collection agency. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. The account was account removed. The account is now with a new collection agency. The account was placed back on my credit report.. This is NOT my account. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the collection company should not place this account back on my credit report since I previously disputed it, won my dispute and the account was removed. Account number XXXX
08/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19146
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/30/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 190XX
Web Servicemember
National Recovery Agency was reporting two debts on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the three major credit agencies and while one of the accounts were deleted as a duplicate, the other remains because National Recovery Agency certified it as mine. I then sent National Recovery Agency ( the furnisher ) a direct dispute via certified mail according to my rights under FCRA and CFR 660.4 but never received a response. The letter was signed for by XXXX XXXX XXXX according to my proof of receipt ( see Attached ). This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness.
09/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02360
Web
I received a final bill notice from XXXX XXXX in XXXX and XX/XX/XXXX. When I spoke to a representative at XXXX XXXX I was told this bill originated from a request to turn on gas in an apartment in Rhode Island beginning in XX/XX/XXXX. I lived ( and still live ) in XXXX, MA and did not open a XX/XX/XXXX account in the XXXX, Rhode Island address. I never authorized anyone to open a XXXX XXXX account in my name for the XXXX, RI address. I contacted the company twice by phone call in XXXX and XX/XX/XXXX to report this but I never received help for this issue. I contacted the company twice by mail to fight this account being charged in my name as well during XX/XX/XXXX. As of now, the account is in collection for {$110.00}.
06/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10025
Web
Hi. My name is XXXX XXXX. I have recently learned I've been a victim of identity fraud. Someone has been using my name and social security number. opened a XXXX XXXX Account from XX/XX/XXXX-XX/XX/XXXX. I have filed a police report against this delinquent account. I have also seem to have taken a loan in XX/XX/XXXX for a school by the name of XXXX XXXX XXXX that is no longer open and there is no information that could be given. this student loan have been dragging my credit for the past years for a delinquent account in which i do not feel responsible for. i did not receive these services. My last income federal tax was garnished due to this delinquent account. and i have no where to dispute this since school no longer exists.
12/15/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 17110
Web
Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party National Recovery Agency to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
06/11/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 17257
Web
Date of occurence XX/XX/XXXX. It was explained to me by the medical billing department ( XXXX XXXX XXXX ) that the debt was paid to and processed by the incorrect department ( XXXX XXXX ) resulting in a collections on my credit. I attempted to have the problem corrected and the funds paid-in moved to the proper department and was not successful. I offered to pay the debt if the company would remove the negative information from my credit file. I was told by the billing representative that the negative information would stay on my file until the statue of limitations is reached. The debt has since reached the PA statue of limitations on medical debt as of XX/XX/XXXX, and I would like the negative collections report to be removed.
02/21/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 320XX
Web
I received an alert from XXXX on or about the second of XXXX, 2019, stating that there had been some changes to my account, and I when checked my file I found out that National Recovery Agency had reported a couple of accounts that I have no knowledge about. The two accounts were reported under Account number XXXX with a balance of {$560.00} and {$340.00}. National Recovery Agency did not notify me of these attached debts, which I was told by XXXX agents that they were medical. National Recovery Agency just reported the issue directly to XXXX as delinquent without notifying me of the mentioned debt, which is in direct contravention of the law. The reporting thereby depressed my credit score as a result of this reckless action.
05/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32208
Web
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. I have requested validation and not verification for the multiple accounts they have listed sent directly to their company in XX/XX/2020 and still no response. This leads me to believe they have no binding contract and are reporting this information illegally.
08/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 14216
Web
I paid off National Recovery and they started calling every month for XXXX after stating I owe them I paid 3x 's after I recovered my credit National Recovery Agency in Pa reported it to Credit Bureau all but XXXX have removed it. I had bank statement receipts of the payments its like they're systemically trying to sabotage my score. Also I have these ppl at XXXX who are harassing me. I canceled ent them and sent receipts stating I had insurance with another company days before my next payment was due I canceled I got a settlement of XXXX and I cleared my credit with it all I had was XXXX worth of debt. I'm going through health problems and I am not doing this, I don't need anybody extorting me for money I don't owe.
11/27/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46312
Web
I XXXX XXXX have a collection placed on my credit report with National Recovery Agency located in XXXX PA. I have never opened an account with this corporation and they have failed to provide me with a proof of debt. This negative information was placed on my credit report on XX/XX/2018 for the amount of {$540.00}. I have been hindered in opening credit lines purchasing a new vehicle because of this negative information on my credit report. I am including tracking numbers that proves National Recovery Agency has received my dispute via USPS # XXXX this dispute letter was received on XX/XX/2018. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.
01/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60435
Web
There is an attempt to collect a debt on items that I had no knowledge of. I have submitted letters on XX/XX/XXXX to the each of the collection/creditors, stating that at the times I lived only at one address which were not any of the addresses that where added to my name. XXXX XXXX was open XX/XX/XXXX for XXXX $ Notified on XX/XX/XXXX that the debt did not belong to me, no response Acceptance now was open on XX/XX/XXXX for XXXX $ company never responded when notified on XX/XX/XXXX National Recovery was open XX/XX/XXXX but the original date is XX/XX/XXXX for XXXX $ once I notified this company instead of responding they placed my account as if I am admitting to the debt and made it up to date to their knowledge.
08/21/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 184XX
Web
I went to the hospital sometime in I believe in XX/XX/2013.I didn't have insurance at the time or a job.I specifically told them to not do anything unless I qualify for free care.I applied for free care which they made me do and should have qualified with no problem because there was no income. Why I didn't receive it till this day I have no idea. But it definitely should of been covered. I called way back and told them this and also told them to please do no test unless I have coverage.I assumed that I had free coverage because they ran some tests.I later received a bill for {$5700.00} that was reported to all three credit bureau's.I called and disputed this bill but they have me jumping through hoops every time.
08/07/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 10467
Web
I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put in a request.
03/11/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06114
Web
im not sure how my social was used in this particular situation but i would like this to be removed from my credit report. i ave tried to get in contact with this company but no one has responded. i was n't given the chance to dispute this item before it was placed on my credit report. i feel this could of got resolved without damaging my credit. i never received any proof or documentation of the validity of this debt and because of that i am requesting this be removed from XXXX of my credit bureaus. ill will be talking this to the media as well as hiring an attorney to look into this matter further if national recovery does not choose to comply with this matter. I 'm hoping we can reach a positive agreement.
07/25/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 65802
Web
I had a flag show up on my credit report, I called the company immediately asking them about the XXXX repeated marks on my credit report totaling {$8000.00} I asked for a written verification of debt. I gave them my correct mailing address since then I have received no follow up my credit report shows a XXXX point mark and they will not respond to texts, or email, and its been over a month since I requested they furnish proof. The only option on their phone menu is to pay the debt and I have not gotten anyone respond to me at all. I do not believe the stuff is mine I of it theyve given me absolutely nothing. And they threatened to sue me over the phone during the first phone cal when I actually got through
01/25/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77489
Web Servicemember
XXXX XXXX XXXX - XX/XX/XXXX {$660.00} {$290.00} -XX/XX/XXXX {$250.00} {$61.00} -XX/XX/XXXX {$150.00} {$120.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} I sent a debt validation letter to XXXX XXXX XXXX via certified mail requesting that the company provide a breakdown of fees, collection costs and medical charges. I also requested that I be provided a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. To date, I have not received the requested validation of the debts and HIPAA authorization as allowed by the Fair Debt Collection Practices Act.
03/25/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29803
Web
received medical bill from the collection agency national recovery agency mailed a letter to them on XX/XX/2023 called to see if they got it on XX/XX/2023 this is the day the credit agency alerted me that this was already on my credit. I had not received any further notification on the validation of this debt. I am not sure what is going on but they aren't following the cfpb 1006.34., they need to get educated on following the law with each letter and roman numeral.I talked to an agency on XX/XX/2023 to first find out why the account had already hit collections without me getting any validation and it was XX/XX/2023. I want this removed from credit report because their practices are not serving me well.
05/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DE
  • 19713
Web
Account XXXX NATIONAL RECOVERY AGENCY XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. I have disputed this several times, however, XXXX keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that XXXX obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!
04/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • PA
  • 19141
Web
This company 's response is a complete lie, I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
03/10/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 180XX
Web Servicemember
Received calls on the following date/times : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Answered phone first and second time to inquire as to what call pertained. They said collection was for medical payment for three payments of {$270.00} for copay to local primary care doctor office. Local health network uses electronic accounts and billing, in which all accounts are paid in full and current. Their billing department is unaware of why a collector is contacting me for this. I've informed the collection agency XXXX XXXX of this error and to please stop contacting me. They continue to call me every two days, including weekends.
01/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • 19901
Web
XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.
12/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 117XX
Web
NTL Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX has made a derogatory claim against me for not paying the sum of {$260.00} to XXXX XXXX. I contacted them by telephone on XX/XX/2020 and attempted to explain that I have never received a writing from their company to provide me with an opportunity to verify the accuracy of their allegations, that I am not indebted to XXXX XXXX, I am not indebted to NTL Recovery and they have damaged my credit standing by falsely alleging that I am delinquent on a debt which I am not obligated to pay. They told me that I can either pay the debt or sue them. I asked for a supervisor. They kept me on hold for about twenty minutes, then disconnected the phone.
01/30/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 218XX
Web
I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. I never received a response. I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. I never received a response back from them. This account has surpassed the year statute and it is still being reported negatively on my XXXX account.
08/23/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 20745
Web Older American
XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!
03/08/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30236
Web
National recovery agency said I owed a hospital bill for XXXX XXXX hospital back XX/XX/XXXX I told them I have medicare and I always pay my cop pay l dont use they also had my wrong address and zip code for me and told me to call hospital they said to call hospital billing which I did they said that was XX/XX/XXXX and that I came buy ambulance I told billing department no I was admitted on that date but I went to XXXX XXXX XXXX on that date and they had wrong address on file I told them I dont use there hospital cause they have a one star rating they said they take care of it offered me a lower price as I stated to them it was not me the collection agency also had wrong billing information
04/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02176
Web
On XXXX XXXX , XXXX XXXX XXXX XXXX pl aced a collections account for {$1200.00} on my credit report. This account is the responsibility of my father and does not belong to me. This is the second time the account has been placed on my record, even after the issue was previously resolved through the CFPB in XXXX . XXXX XXXX XXXX has once again placed this false debt onto my report, and without written notice or validation. This account has been disputed through the credit bureaus in XXXX and was removed from XXXX , however NRA refused to remove the account from XXXX and XXXX , therefore knowingly and willingly leaving the incorrect information on my account.
04/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 78613
Web
After pulling my Credit Report found that there was a report of unpaid debt from a company called " The XXXX XXXX XXXX ''. I never ordered any products or services from this company. After collection information from XXXX sources found that this was for a ring that I never received. I have informed both the collection Agency and the original creditor that I made no such purchase and have reason to believe that my X-boyfriend order such product ( s ) without my consent. On a number of attempts I have tried in good faith to work with the original creditor and found that they are not helpful and refuse to assist me in this matter. All communication has been in writing as required.
12/03/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 18901
Web
On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.
11/12/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08859
Web
In prior responses to the Consumer Financial Protection Bureau, XXXX at the business has claimed that the proof of the alleged debt was mailed to me. The individual has my email address based on an email sent to XXXX on XX/XX/2020. Therefore, you can email the billing for the {$75.00} alleged debt that was paid in full. Be advised, that on XX/XX/2020, I received an unsealed plain white envelope with a one page statement claiming a {$75.00} balance. Furthermore, the only receipt of payment received was an emailed receipt dated XX/XX/2020. I will await your email with the proof of the alleged debt that was paid in full prior to being provided with written proof the alleged debt.
06/15/2018 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • VA
  • 23502
Web Servicemember
National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. there number is XXXX
06/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60605
Web
XXXX has stated that I and/or my wife XXXX XXXX owes {$1400.00} from past due tuition for our child attending daycare. This amount is wrong as there was a huge computer issue that overcharged our account by XXXX and this amount that National Recovery saying we owe is the remaining balance that was never issued by XXXX back to us! The statement records will show the large overpayment and the issues in returning our funds. This was a huge mess and we have tried to resolve this with XXXX however no one was able to help and we refuse to double pay! This debt should be removed from my wife name ( XXXX XXXX ) and should be a XXXX balance based on the fact this was already paid.
02/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11563
Web Older American
XXXX I initiated a complaint XX/XX/XXXX through this service Today I received an email informing me that my case had been resolved and closed. They actually included a bill that was a final bill to service which I subsequently took responsibility for. I want this case reopened and that proper documentation be provided to me to prove that the debt owed is actually mine. What they need to provide me with 6 months of prior bills as well as 6 months after the bill they included in their response. Furthermore they will need to explain the existence of a letter they sent on XXXX XXXX, XXXX alerting that XXXX was owed them, meanwhile they are claiming $ XXXX in my credit report.
11/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 337XX
Web
Description of Complaint : National Recovery assumed an old bill from XXXX XXXX in XXXX. The last payment made to XX/XX/XXXX XXXX was XX/XX/XXXX making the first date of deliquency XX/XX/XXXX. Even if the debt goes to a collection agency, seven years and 180 days from this date of deliquency the debt can no longer be reported. For this reason I successfully disputed this debt with XXXX XXXX and XXXX in XXXX and the debt was removed in XXXX. This month National Recivery Agency committed fraud by rereporting the debt to XXXX XXXX and XXXX dropping my score 15-74 points. National Recovery Agency needs to be prevented from making fraudulent reports and suffer consequences.
05/15/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 211XX
Web
Called XXXX medical center to make payment arrangements on a bill that I owed. Payments were set at {$25.00} a mnth. The last payment I paid was XXXX/XXXX/15. I got a letter in the mail on XXXX/XXXX/15 from National recovery agency stating that my account was forwarded to this office for collections. I got no notice of this and could n't understand why I was sent to collections when I pay on my bill. I owe XXXX on my bill and they want to divide it up into 3mnths. and also charge me XXXX fee. I told them I could make the {$25.00} payment but they cant accept that. Plus I 'm not paying a fee. XXXX should pay the fee since they sent my account there for no apparent reason.
08/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19720
Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
01/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30168
Web
XXXX XXXX has a debt listed my credit reports ( XXXX-XXXX-XXXX ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX Phone Number XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a National Recovery Agency listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
07/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17111
Web
I signed up for a fitness program call XXXX XXXX XXXX XXXX ACCOUNT XXXX. THE NATIONAL RECOVERY AGENCY IS ATTEMPTING TO MAKE ME PAY {$730.00} FOR A MEMEBERSHIP I EXPLAINED TO THEM THAT I COULD NOT LIFT MORE THAN 25 LBS AND THAT I SHOULD NOT HAVE TO PAY FOR A GYM MEMBERSHIP IF I COULDN'T PAY FOR IT TO BEGIN WITH. I RETURNED ALL OF THE DOCUMENTATION TO THEM WITHIN THE THREE DAYS OF THE PROGRAM. I VERBALLY STATEED THAT I COULD NOT LIFT MORE THAN 25 LBS THAT IT WAS TOO MUCH STRAIN ON MY SPINE AND STERNUM. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/16/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NV
  • 89509
Web
I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.
05/07/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 67203
Web
I recently checked my credit report and found that I had an account in collections that I did not recognize. I looked into the company that the debt was owed to and did not recall ever doing business with them. After seeing this, I looked further into this company and came across multiple complaints about this company falsifying amounts owed to the company from customers. A vast amount of people had complaints about this because, unbeknown to their knowledge, they were having the accounts sent to collections, which in return, was affecting their credit score. I have never been contacted in anyway about this debt by neither the company or the debt collectors.
01/16/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 50010
Web
I have received XXXX TEXT messages beginning XX/XX/2022 from National Recovery Agency listing the debtors full name and address, account number, original amount owed, current amount owed, original creditor and current creditor. I am not the debtor. While I am related to the debtor listed, the debtor was XXXX years old on the date the text messages indicate for the origination date of the debt. This company has not called the number they are sending the text messages to for the purpose of verifying the identity of the person receiving the text messages. The amount of details regarding a debt this company is sending out to unverified recipients is concerning.
02/05/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21214
Web
I am harassed by the company daily. I have requested a bill from the hospital they claim I owe money to many many times. All I have received is XXXX letter with the debt companys name on and an amount owed. They will not give me a bill to show what this debt is for. National recovery agency The people I have spoken to have always been so incredibly rude and nasty and wont do the most simple thing of providing me with an itemized bill in the mail from the company they claim I owe money to I cant pay a bill I dont ever receive and I will never pay a debt through a text message which they text me Daily not a phone call not a single thing in the mail just text
05/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33023
Web
In XX/XX/XXXX National Recovery Agency contacted me by phone and informed me that I owed a debt of {$3300.00} for my XXXX XXXX in XXXX. There was never a piece of mail received from this company. I contacted them several times by phone and mail in an attempt to learn who is the company or the doctor that they say I owe. On the phone, I was told that information was unavailable and could not be provided. Mail was ignored, and no reply was received. Shortly after, I had a collection appear on my credit report. I have since then contacted XXXX twice by mail asking them to verify this debt, and both times I have not received any reply- just complete silence.
04/17/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60174
Web Servicemember
I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX saying I owe XXXX. The letter stated this is an attempt to collect a debt. Unless I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. I mailed a certified letter to XXXX XXXX XXXX dated XX/XX/XXXX requesting validation of the account. I did not hear or receive any documentation response for XXXX XXXX XXXX. On XX/XX/XXXX I get a email from my credit report monitor service saying an collection account been added to my all three credit agency and it was XXXX XXXX XXXX.
08/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 850XX
Web
This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.
06/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 170XX
Web
In accordance with the fair credit Reporting Act # XXXX has violated my rights. XXXX XXXX XXXX section XXXX States I have the right to privacy. XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Date : XX/XX/XXXX Agency name : National Recovery Original Lender : XXXX XXXX XXXX Amount ; {$1600.00} I sent multiple letters to the creditor as well as the credit reporting agency on XX/XX/XXXX ( XXXX and XXXX ) requesting VALIDATION of this account first class mail. The reporting agencies did not furnish requested documents supporting this is my account.
11/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 770XX
Web
I've sent them numerous documentation to prove the errors that exist on my credit profile but to date they have not corrected any items on my report. They allowed fraud to be placed on my profile now its hurting me financially as I am not able to obtain employment as of a direct misrepresentation and errors on my credit profile. Moreover, they have allowed a credit collection company named National Recovery to place erroneous credit information on my report. I've never signed an agreement with this company nor do I owe them anything.I believe their actions are criminal at this point and I am willing to testify in any court of law to that fact.
10/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89052
Web
NTL RECOVERY AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
09/07/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32208
Web
On XX/XX/2022 I mailed a verifications f debt letter to National Recovery. On XX/XX/2022 they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX/beginning of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt.
12/29/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22032
Web Older American, Servicemember
Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you.
01/11/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 11434
Web
XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is XXXX
04/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45039
Web Older American, Servicemember
On XX/XX/2020 I ordered a free coin from XXXX. The fine print of that order indicated I would be purchasing a second coin for XXXX. When they told me I now owed this money I told them I didn't want the item, they sent me packaging to return it and I mailed it back to them. I never heard from them again until this year when nationalrecovery.com debt collection agency claims I owe XXXX XXXX XXXX. I have reached out to the XXXX XXXX via email multiple times and they will not respond to me at all. I am XXXX XXXX XXXX and believe they are trying to take advantage of me because I ordered this on the phone and I don't know what to do.
03/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SD
  • 57105
Web
False reporting by 2 creditors on my credit report, the creditors adds on my credit file that I am delinquent in making my payments more than 2 months, they have been doing this for the last 10 years and I have tried to get this corrected recently because I now have gotten myself on track with keeping my credit score fairly decent the past 2 or 3 years but it continues to go down because of false reporting! I have 2 accounts that are fraudulent reporting on my credit file. I need them removed ASAP but, I need some help in doing so! I have had this disputed to XXXX, XXXX and XXXX and all was reported as accurate! All Lies!!!!!!
04/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • RI
  • 02907
Web Servicemember
On my credit report, National Recovery says I owe them {$140.00} for a collection that I didn't pay. It was paid 3 years ago..We already discussed the problem many times and that My insurance XXXX XXXX paid for it. It was a XXXX XXXX on a XXXX We've been back and forth with this many times and I thought it was finally over with until I saw my credit report.. XXXX XXXX has now added XXXX to the bill. ( I sent for a copy ) YOU DON '' T DO XXXX XXXX FOR A XXXX XXXX ON A XXXX! If I owed only {$140.00} and was legit I would have paid it. I'm not paying for something I never received and was not performed for a XXXX XXXX on a XXXX
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37207
Web
A brief summary ; A third party debt collector, National Recovery Agency, texted me stating I owed an alleged debt. I do not know this business. I asked for validation of debt, they mailed in response a reflection on a statement of an extension of credit which was not made to the obligor. I then mailed back a Notice Of Dispute ; XXXX for XXXX and XXXX XXXX XXXX with a self executing contract. I Also have proof of the company violating my consumer rights under the Fair Debt Collection Practices Act 15 USC 1692, and The Fair Credit Billing Act 15 USC 1666. It has been 30 days since my last mailed letter with no response.
05/03/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28054
Web
I called the National Recovery XX/XX/XXXX to confirm more information on debt being that I have not received anything in the mail regarding this debt, XXXX is the representative I spoke with informing me they sent out text messages I informed the representative that I havent got a text message and by law I needed something in writing she then confirmed they sent out a letter on XX/XX/XXXX. I have not got XXXX letter or text message about this debt. I have not got the opportunity to dispute and/or pay this debt. I want this removed from my credit report immediately or I will file a lawsuit for violating my consumer laws.
08/05/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02119
Web
In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.
06/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 283XX
Web
National Recovery Agency ( NRA ) has claimed two debt collection accounts on me, which has affected negatively on my credit scores. NRA 's total claimed debt amount is {$520.00}. One is {$410.00} ( open on XX/XX/XXXX ), and the other is {$110.00} ( open on XX/XX/XXXX ). Both of them are for XXXX XXXX. Can you let me know what is the nature of the bill? How can I address this problem? I am a XXXX XXXX. During the pandemic, I was not in the United States ; I don't believe they have contacted me in the way that I can understand what is happening and how I can address this situation. Please let me know what you think.
04/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • XXXXX
Web
The XXXX XXXX XXXX contacted me months ago regards to a so called debt from XXXX, and I responded, explaining the debt incurred after I was evicted/moved out. Also, on a separate note the same case went to court, and was settled. I've attached except of the settlement & court proceedings for your perusal. I was strongly advise by my attorney to file this complain. I am forwarding this complain cause the agency still listed said account on my credit file on XX/XX/2018. Displaying the below information. You've paid off 0 % of your collection. Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
05/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 125XX
Web
A utility account with XXXX XXXX has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.
05/02/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02907
Web
I finally received the documents from said company end of XXXX and faxed them over to the number listed on the package. I have yet to receive any correspondence. This was faxed over on XX/XX/XXXX. Please respond to my dispute this inaccurate collection from my report. I do not owe national grid this money and should not have this listed on my credit report. Please see the previous complaints. I have provided all necessary information and have done as requested but your improper use of stall tactics is keeping me from accomplishing my goals in a timely fashion. I have attached a copy of the fax that was sent.
03/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Received unwanted marketing or advertising
  • MA
  • 019XX
Web
Receiving daily telephone call ( s ) from XXXX XXXX XXXX identifying themselves as from an attorney 's office and I am unable to decifer the name after asking 3 times. They ask me to confirm that my name is " prior married name ". I ask what they want and they repeat the question. I responded yes and they hang up. The next call from that number was asking me if I was a different name - my maiden name which I recently change to. When I asked for clarification, they hung up. I have received a total of 6 calls in approx 2 days. They never divulge what they want after attempting to verify my name ( s )
02/27/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19966
Web
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX is a NASTY NASTY woman and refuses to remove this from my credit report.
07/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 210XX
Web Servicemember
National Recovery purchased my account from florida hospital back in 2022 which as already removed from my credit report to be placed again on experian and XXXX as well which is illegal.This agency could not properly verify my information.Never had i had a contract or arrangement with this agency the hospital failed to file m claim through carefirst blue cross properly and missed the extension to file again was contacted by insurance and was told on a recorded line that they would properly remove this and they are at fault. therefore wrote off the bill as a right off and sold it to recoup the money.
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28376
Web
ON XX/XX/XXXX I sent a dispute letter challenging the XXXX of account # XXXX. From Company NATL Recover Agency. I asked them to send me substantial evidence of appearance of this account on my consumer report. I sent this letter certified mail to assure it would arrive to this company. NATL did not respond to my concern and has left me to seek more assistance. The laws by FCRA is 30-45 days. It has been well over the given time frame and i have yet to receive a response. I ask this account to be removed from my file as it has not been proven it indeed belongs to me. Tracking Number # XXXX
04/18/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75224
Web
Hello, I reviewed my credit account and saw THREE unknown medical bills from XXXX XXXX XXXX XXXXNTL RECOVERY AGENCY. I find that strange because I have never been to the hospital at this location and haven't been to the hospital in YEARS! Also, I have Medicaid so my expenses are always PAID IN FULL. I have attached an FTC for your review. It is illegal to report unknown theft accounts on a credit report. I haven't even received validation in writing. This is destroying my credit profile and buying power. I have even sent a dispute letter and it is a violation to ignore a consumer 's request!
05/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77583
Web Servicemember
XXXX XXXX XXXX has listed a past due account for the XXXX XXXX XXXX XXXX . Per my insurance documentation and the agreed upon of their agreement with th e XXXX XXXX XXXX XXXX , this bill was paid and my responsibility is {$0.00}. I emailed th e XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XXXX XXXX , 2017 a nd have not received a response. I also mailed a letter to XXXX XXXX XXXX on XXXX XXXX , 2017 and h ave not received a response. Please assist me in having this removed from my credit profile. Thank you, XXXX XXXX .
07/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • RI
  • 02809
Web Older American
The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.
08/15/2015 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Impersonated an attorney or official
  • PA
  • 18045
Web
On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this.
10/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33325
Web
This company is reporting as a collection on my credit report as a hospital bill when I have always had insurance im a nurse and I don't have any outstanding balances with any medical facility or hospital. I have requested multiple times for proof of this debt that I owe it so I can pay it if it in fact is mine and they fail to provide me with any documentation or anything. Please have them remove this from my credit report as it is hurting my scores and I am in middle of trying to purchase a home and this is causing me to have a subprime interest rate. Please help! Thank you!
12/09/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19141
Web
Because the Collection Company can not provide tracking confirmation showing that I received the Validation Notification via mail or electronic prior to them reporting to my Consumer Credit Report, they are in direct violation of the FDCPA and MUST remove it off my Consumer Credit Report IMMEDIATELY. I WAS NEVER REPRESENTED BY AN ATTORNEY INREGARDS TO THIS ISSUE BECAUSE I HAD NO KNOWLEDGE VALIDATIING THIS ACCOUNT AS I PREVIOUSLY STATED IN MY ORIGINAL DISPUTE. WHERE IS THE COPY OF THE ORIGINAL CONTRACT SIGNED MY ME. SHOWN ON MY CREDIT REPORT : NTL RECOVERY AGENCY {$6600.00}
01/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 43607
Web
i had a debt in collections listed under the name XXXX XXXX XXXX that i won the judgement against and had removed from my credit report in the amount of {$700.00}. Now this company is putting me back into collections again for the same {$700.00} that i won a judgement against them for, but under a new company name listed as XXXX XXXX.. So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately
03/22/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 180XX
Web
I was not informed that I can dispute this debt, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt to a third party. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 191XX
Web
NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ) on XX/XX/2023 I legally requested for this company to verify that a debt that they claim that I owe is 100 % accurate, and i will pay in full. If not 100 % accurate i requested for the debt to be removed and Permanently Deleted from my credit reports if not verified to being 100 % accurate. It is now 5 months later and i am receiving several stall tactics as to why it has not been removed from my credit file. I am demanding that this account be removed immediately as it has not been verified as to being 100 % accurate.
09/06/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • NY
  • 10027
Web
I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ). The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.
11/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55412
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN XXXX Balance {$120.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
06/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 128XX
Web Older American
Quite some time ago I noticed a derogatory note on my credit report. This was being reported by NTL Recovery Agency. The amount was for {$300.00}. When calling the recovery agency I was advised that the collection account was from XXXX XXXX of Massachusetts. I was advised to dispute directly with XXXX XXXX. I downloaded the forms and sent proof of residence as I do not and have never lived in the state of Massachusetts. It has been longer than 2 months and I have never heard back the results of their investigation. No attempts to contact company have been successful
01/18/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90815
Web
This is a medical debt from XX/XX/XXXX for {$290.00} according to National Recovery Agency XXXX XXXX XXXX in XXXX, PA. They falsely reported a {$290.00} debt to XXXX and XXXX in XX/XX/XXXX violating the Medical Debt Relief Act of XXXX and said they were going to ruin my credit score if I didnt pay them. This debt was already paid by health insurance back in XX/XX/XXXX. National Recovery Agency is trying to circumvent the law passed by Congress in regard to medical debt. This law was passed to protect consumers from this type of unscrupulous medical debt collection.
10/13/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30252
Web
I have reached out requesting proper information per FDCPA, but the creditor has not provided this information and has placed inaccurate and unverified information on my credit report illegally. I am looking to have this information removed ASAP. After several failed attempts for validation and verification, I will be looking to escalate this issue to the CFPB and the XXXX in addition to the FTC for fraud and identity theft and pursue damages to my person under the FDCPA if this derogatory inaccurate information is not removed from my credit file immediately.
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • XXXXX
Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
04/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • XXXXX
Web
After reviewing the credit report, the National RecoveryXXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.
01/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 629XX
Web
Collection popped up on my credit report from XXXX XXXX now in the hands of XXXX XXXX XXXX. Called and spoke with both. XXXX XXXX said i had a {$0.00} balance. XXXX XXXX XXXX claims i owe {$210.00}. The date of the debt they claim i owe for is months after i sold the home. As well as switched services to the owners. Paid my final bill at the time services were switched. Also never even had XXXX. Whole time i lived there it was XXXX. No calls or letters in the mail. Straight to collections they send me. Never before had collections or late payments in my life.
11/04/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 346XX
Web Servicemember
I would like to dispute the debt that XXXX XXXX XXXX XXXX XXXX has on my credit report. From what I remember I went to the XXXX XXXX, filled out the information for XXXX sat in the waiting room for XXXX hours and I overheard that they would probably not have time to get to everyone. After hearing that I left the hospital and to my surprise I receive a bill for services that I never received. They did absolutely nothing for me except allow me to wait in their waiting room and suffer. I wound up going to a walk-in clinic the next day and they helped me there.
11/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01930
Web
I have disputed this debt multiple times. This collection company refuses to communicate and even classified this as a medical debt when I was originally told this was a utility debt. AFTER MANY FAILED ATTEMPTS I REACHED OUT TO MASSACHUSETTS FOR HELP XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX informed this company is classifying an electric account ( from what Ive been told ) as a medical debt and refusing to speak to Massachusetts. I want this fraudulent account off of my credit report.
11/02/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AL
  • 366XX
Web
Received call from National Recovery Agency stating I owed a debt. This was not the first call from this company. I returned the call and they demanded I provide them with information including social security number and other personal data. I have tried to cooperate to keep them from calling again but they continue to harass me, ask me whether I know people they name, and can not verify I owe any debt. They appear to be evil and are just trying to collect personal information. I had previously asked them not to call me and they have ignored my request.
10/07/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32216
Web
On XX/XX/2021, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.
02/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27614
Web
I used to live in XXXXXXXX untile XXXX 2016, I moved out to XXXX XXXX. I made payment of my utilities bill before I left. XXXX ( the gas company said they sent a bill for an outstanding balance. I never received that bill in my new address. Couple of month later I saw a XXXX balance from National Recovery Agency. XXXX sold the debt and refuse to negotiate with me despite multiple attempt to address the issue and pay any balance. the debt collector put it in my credit report and refuse to remove despite not having all the correct information from me
10/02/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21043
Web
Hi Team, National recovery collection agency they did not send any notice to me and opened a {$65.00} amount account on XX/XX/2018 on my credit report. I called them about the account then they send back notice to contact them in 30 days.i called again and asked more details on this account but they give an email ID for any further communication. I sent out 3-4 Email after that but they never responded. Again I called them but they said will update in some days .after more than a month I have not received any account information back from them.
05/16/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 56560
Web
National Recovery Agency XXXX, PA XXXX This company posted debt on my credit score without once contacting they have been damaging my credit for years without me knowing I always check my credit score on XXXX XXXX and they never showed me today I checked my credit on XXXX and theres this debt thats up for collection I have no way to describe my feelings about this I always paid my bills on time and I have XXXX debt on me I think this company is a fraud as it says on their reviews almost everyone on their XXXX reviews is complaining about them.
07/06/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 179XX
Web
Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report.
04/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 283XX
Web Servicemember
The company called National Recovery Agency is charging me XXXX for a gym membership I cancelled a long time ago. I will not be paying this money because I cancelled the membership because I was going to deploy I sent my orders many times to the gym stated in their letter. I can not pay for the money they are requesting. I am scare that this people are going to harass me just like the gym did just because I am a XXXX women of XXXX. Please help me. I am truly scare that this people are going to talk to my leadership or damage my credit.
06/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 113XX
Web
I asked to close my XXXX acct when I move out to other rent house on XX/XX/XXXX. But they didn't close acct and took out money from my checking acct almost 1 year. When I found this I asked XXXX again close acct. and send my money back they took from my acct with their mistake XXXX. But they send me very very complicate form including police report, birth certificate, statement, proof ... .etc.to get out of their mistake. I gave up my money back and forgot about this incident. Now I found they put me in collection company from XXXX.
06/01/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MS
  • 39759
Web
A third party " XXXX XXXX '' rep XXXX XXXX keeps calling previous employer even thought Ive asked him to stop that I do not work at that office. He called again and told the XXXX he has papers to serve me for debt collections and needed to reach me. The XXXX sent call to me and I told him again to stop calling that office he still argued and would not listen. I then called National Recovery Agency and he also said he wasnt going to tell them to stop calling the employer and wouldnt give me any information on the debt and was laughing
08/15/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08105
Web
HIPAA Violation Alleged account # XXXX National Recovery Agency has not provided me a HIPAA release that releases my medical information to them. The credit bureaus have allowed them to violate my HIPAA rights by continuing to report this account without following the HIPAA guidelines. I have requested a copy of their HIPAA compliant BUSINESS ASSOCIATES AGREEMENT as well as a description of how they recieved my ePHI to show compliance with the HIPAA Security Rule, specifically the HITECH ACT OF 2009. ( copy of affidavit attached )
01/07/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21221
Web
I received an alert from XXXX XXXX showing National recovery agency has reported a debt that they alleged I owe from XXXX, I never received any notice to dispute the validity of the debt, also they have the opened date as XX/XX/XXXX. On the credit it is showing that XXXX XXXX is the original creditor, which they failed to bill the secondary insurance. National Recovery agency is not licensed in the state of Maryland to collect, per Maryland guidelines you have to be licensed in the state of Maryland in order to collect a debt.
05/17/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01902
Web
National Recovery has failed numerous times to notify me it's intent to report an alleged debt to the credit card bureaus. On XX/XX/2019, I had received notification from XXXX XXXX that there was an added derogatory account. National Recovery had failed to provide me a 30-day notice to dispute the debt. The company will receive a notice demanding them to provide validity of this debt within 30 days of the date they receive the letter. This is not the first time they had failed to provide me with notification of an alleged debt.
05/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78660
Web
Hi, Hope this finds you well. I have two, both below {$60.00} accounts that were added to my report that hit my account without my knowledge. I am currently in process of taking out a mortgage, and these two incredible small payments that i had paid in full the second i was noticed are hurting my account over 100 points. The XXXX XXXX Account was kept without my knowledge for over 2 years, and was only brought to my attention when a credit pull was taken, I was never reached out to by the utility provider nor debt collector.
03/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17601
Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
03/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 018XX
Web
I received excessive amounts of phone calls and texts from National Recovery Agency stating that I owed a debt for {$640.00} a utility bill. I informed National Recovery Agency that I am not responsible nor do I claim this debt. I sent a letter requesting full validation of this debt to ensure accuracy. I also sent a cease and desist letter after not once receiving validation of the account yet I continue to receive both phone calls and texts messages. I am not liable for this debt and do not have a contract for this debt.
11/13/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32043
Web
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.
04/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19141
Web
So XXXX keeps putting a XXXX $ bill on my credit as dept, I had this inquiry removed a couple months ago due to it being fraudulent then on XX/XX/20 they put the same dept payment on my credit just used a different collection company and I spoke and told XXXX that I am not responsible for that account and somebody had to use my information I let them know I was a victim of identity thief they said they can not help me I am not responsible for that account or XXXX $ balance I currently do not have or do business with XXXX
10/10/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17701
Web
I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !
02/28/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 019XX
Web
I noticed a collection on my report and called the credit agency. I was told a company called National Recoveey Agency had put the collection on my report. I have never received any communication from this company, no dunning letter or opportunity to dispute. This is against debt collection laws. Moreover, the debt alleges that I had an account that went into collection with XXXX XXXX in 2018. I did not have an account with XXXX XXXX in 2018 so the reporting is wrong as well. I was prejudiced by this lack of notice.
09/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 210XX
Web
In 2016 I ordered an item from the XXXX XXXX XXXX. I received the item in the mail and didn't like it. I returned the item as per instuctions right away. Right after that XXXX XXXX kept notifying me that I owed them {$88.00} for the item. I kept telling them that I had sent it back to them for a return. This whole incident is now 6 years ago. I now get a letter from a collection agency stating that I still owe XXXX XXXX {$88.00}. I returned that item back to them now 6 years ago. I do not owe this debt to anyone.
08/24/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). NRA Group , LLC is still continuing to report an alleged debt onto my consumer report. I am demanding that XXXX group cease & desist all forms of communication activity through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k
06/11/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • NY
  • XXXXX
Web
NATIONAL RECOVERY XXXX started reporting a XXXX XXXX debt account XXXX on my reports with out sending me a debt collection letter now they must remove the account off my credit reports because they can not collect on exempt funds nor can they report a collection on exempt funds by reporting a debt that is exempt from debt collection is considered continuous collection on exempt funds which violates the exempt income protection act they must delete this account or be sued for continuous collection on exempt funds
04/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11377
Web
Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) National Recovery Agency was requested to validation alleged debt by authenticating a written agreement and a record. They did not Pursuant to 15 USC 1681b, I have never given this company permission to furnish a consumer report. Per 15 USC 1681a ( q ) ( 3 ), this is considered identity theft. My identifying information is being used without my consent. Also, Per 18 USC 8, any all of my debts are the obligation of the United States.
12/05/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70122
Web Older American
This appears to be an XXXX XXXX XXXX back on XX/XX/2018. I have repeatedly contacted the XXXX accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the XXXX it was paid, then told it is for the XXXX. Now I have no idea if this is legitimate or a scam. Today, my wife received a text message demanding payment, she has nothing to do with this issue.
05/01/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11414
Web
I started to receive correspondence from National Recovery Agency for medical bills my ex-wife had acquired, I contacted National Recovery Agency to the matter, they claimed it was my responsibility, I gave the bills to my ex-wife and told her to take care of the matter, After that I never heard from National Recovery Agency again, on XXXX XXXX, 2015 I ordered my credit report and their were XXXX open collections from National Recovery Agency, again these are not my bills, thank you for any help in this matter
04/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32828
Web
The National Recovery Agency is continually harassing me about a debt that is not owed and that I have already sent them proof of having been closed and paid. It was my account with XXXX when I lived in XXXX. I moved to XXXX and paid my XXXX bill in full and closed the account when I moved out of state. This company National Recovery Agency has harmed by credit by putting negative information on my credit report despite my having repeatedly telling them that the information they have is inaccurate and wrong.
01/10/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • XXXXX
Web
A negative report was placed on my credit report which is absolutely incorrect information. On XX/XX/XXXX I moved from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I moved to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. A copy of my new lease agreement was provided to the debt collector and the debt was removed. XX/XX/XXXX the debt returned back on my credit report This matter was re-addressed with NRA Group and this debt still reminds on my credit report. removed. Please see my attached lease.
10/26/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 17109
Web
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection National Recovery Agency. That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
06/10/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • FL
  • 337XX
Web
I have a # of debts that I ca n't pay. I am XXXX and depend on XXXX . It takes every cent I receive just to stay alive. I ca n't pay any old debt. In the past I 've tried to explain this fact to debt collectors but they continue to call. I receive on someday 10-15 calls from various companies. I have stopped answering my phone, very rarely they will leave messages, sometime identifying as the Internal Revenue Service ( when I 've check # 's by reverse # look up they are reported a scam or fraudulent # 's.
07/15/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22306
Web
I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
09/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 47630
Web
I recently checked my credit report & noticed XXXX XXXX XXXX was on there.. XXXX is a 3rd party debt collector according to the XXXX. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.
08/24/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
This is XXXX XXXX with new & updated information about my previous complaint XXXX. National Recovery Agency is still continuing to violate FEDERAL LAW. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding National Recovery Agency to cease & desist all forms of communication through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k.
04/06/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60527
Web
A debt collection agency is trying to collect a debt from a person that is not associated with me in any way. I have never owed an unpaid debt. The company has, since XXXX of this year, sent me five phone calls and two text messages from several different phone numbers, which manage to bypass the spam filters on my phone. In addition, they provided personal information of the person who they were attempting to collect a debt from without first verifying that they were contacting the correct person.
03/30/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14850
Web
A XXXX ' telephone number called my cell phone XXXX times. XXXX on XXXX XXXX which I did not answer, and XXXX on XXXX XXXX which I did answer and they asked what my address was and said I owe {$230.00} and asked for my credit card number. Not to mention, when they said what the debt was for, they mumbled the words so I could not hear them. I asked them XXXX times who they were and they refused to tell me, or changed the subject so they could not tell me who this was. I immediately hung the phone up
10/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08401
Web
I have a collection account of {$700.00} from the collection agency listed as National Recovery Agency. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.
09/06/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93041
Web Servicemember
NRA has sent a rebuttal for the first complaint filed, claiming that there was an alleged debt validation letter sent to my current address in XXXX of 2023. There is no proof that this validation letter has or was sent, as they have yet to provide this information. As well, the company continues to fight to leave the presumed debt as a collection without proof of ownership, which is illegal. At this point, the company has no legal grounds to stand on in keeping the presumed debt as a collection.
06/08/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UT
  • 84103
Web
National Recovery Agency contacted me XX/XX/XXXX via text message about this debt. Never received a written notice before or even after text message. I called spoke with someone asking how I could get it validated in XXXX that told me to respond to the letter. Letter never came so I received an email about the debt in XXXX. I replied to the email with the dispute letter that I had still with no reply. I disputed this debt with the credit bureau but I still haven't seen a validation to this date.
03/28/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06776
Web
They were very rude and hung up the phone on me. I have an alleged debt of {$260.00} ( XXXX ) and they were not doing all they could to help me resolve what was going on. They would not wait for me to transfer my insurance company representative ( XXXX ) into the call. They had hung up on me multiple times. This was done on XX/XX/XXXX/17 at around XXXX. The supervisor XXXX was getting loud and very unpleasant as she got ruder because she did not want to call my insurance supervisors direct line.
06/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01440
Web
National Recovery Agency ( XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX ( XXXX ) has repeatedly contacted me for a debt that is not mine, i have requested by phone and by written letter to prove that this is my obligation. The company refuses to acknowledge that i am the owner of the debt and have yet to bear any information to the case. I have requested more than once to cease communications and have sent a Cease and desist letter as well. I Still am contacted daily either through calls or texts.
11/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 136XX
Web
I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.
10/26/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21216
Web
The National Recovery Agency ( XXXX ) been calling me every day since XX/XX/XXXX. ( could be longer ). This debt collector are trying to get fees that I didn't pay from XXXX XXXX. These are the dates that they gave me : 1. XX/XX/XXXX {$22.00} 2. XX/XX/XXXX {$22.00} ( same ) 3. XX/XX/XXXX {$32.00} and I have a XXXX XXXX account and I was NOT in the hospital on any of those dates. That's a scam. The NRA knows my birthdate and I believe they thought that I was too old to know the difference.
02/07/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95051
Web
( 1 ) I contacted National Recovery Agency ( NRA ) to verify the bill and they failed to respond within 30 days. ( 2 ) NRA reported an aged bill ( that I have paid it ) to my history without any notice before its 180-days period. In fact, the information in a collection account on my credit history is not mine. I had a bill on XX/XX/2018 from a medical centre inside another medical center that I have paid both bills within 180 days for medical bill. Please see the attached proofs.
01/25/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21234
Web
I recently was made aware that a new collection item appeared on my credit file. Upon reviewing the information I was able to verify that this does not belong to me. I have never received treatment for any medical procedures and I do not owe any medical bills as I have health insurance. I have contacted this company and requested a copy of the original bill. The company failed to provide me. I have disputed this with the credit bureau and it is showing as verified. This is incorrect.
04/14/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32003
Web
On XX/XX/XXXX, I noticed 4 collections accounts on my credit report from XXXX XXXX XXXX ( NRA ). I have never been contacted by this company. I sent a certified letter to NRA the next day letting them know their claims are disputed and validation is demanded. Instead of sending validation of the accounts, NRA added 2 additional debt collection accounts to my credit report on XX/XX/XXXX. I still have not heard from NRA nor received validation of any of the accounts they have reported.
04/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19406
Web
Pulled up my report XX/XX/22 and saw NTL RECOVERY I have disputed NTL RECOVERY for the alleged amount of {$94.00}. I have never signed a hippa release form for NTL therefore this is inaccurate reporting and a hippa violation. Hippa laws are to protect my personal and medical information. In addition I did not get NTL consent to furnish my information. FCRA tells me that Im entitled to a fair and accurate credit reporting and is not fair nor is it accurate. Tracking number XXXX
06/11/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NH
  • 034XX
Web Servicemember
XXXX XXXX is claiming i lived in a apartment after dates provided on my lease in XX/XX/XXXXand is asking for {$600.00} in utilities expense for a time i was not living in apartment XX/XX/XXXX filed dispute Never received response from company after providing evidence of not living in apartment XX/XX/XXXX nation grid filed collection I have attached a copy of my lease showing that i left when charges are still continuing. I also left out of my lease early in XX/XX/XXXX XX/XX/XXXX
06/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28269
Web Servicemember
There have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.
09/16/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19134
Web
National Recovery Agency placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request National Recovery Agency to remove incorrect information off my credit report. More importantly, National Recovery Agency are in violation of FACTA section 623 ( A ) ( 7 ).
06/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28269
Web Servicemember
here have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.
08/06/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18360
Web
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX saying i owe to separate collection charges of {$50.00} on XX/XX/2013. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like these 2 derogatory marks off my credit as soon as possible due to the fact they have the wrong person.
05/06/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32209
Web
I wish you have other category. I received a text message from National Recovery Agency. The text message came to my cell phone, which identify my full name and address. The problems are following : My phone is XXXX. Cyber criminals could hack my phone. They have my name and address, My phone could be used by someone else. Now, he or she could see message and have my address.. Lastly, I do not have a clue what this notice is about. I did request to Stop. No reply back.
04/26/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30144
Web
I sent a letter to the credit bureaus and to the decbt company and no one sent me anything to verify this infomation. I have called the credit bureaus and they told me that I needed to contact the company which I did. I asked XXXX, XXXX and XXXX and they would not tell how how they verified the information nor would they give me any other information on the phone or threw the mail. I am confused on how you report items on a person credit and can not say how it was verifed.
05/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21221
Web
National Recovery put a collection on my credit report without giving me a right to dispute. I received an alert from XXXX XXXX stating that a collection was added to my report. I do not owe XXXX XXXX and XXXX nor National Recovery. Per the FCRA, I am supposed to receive notice regarding a collection before it can be added to my report and then I have to be given the right to dispute the validity of the debt, I have not received any correspondence from National Recovery.
09/28/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45373
Web
I messaged the company and they refused to confirm the debt. I have proof in text messages and will be contacting the Attorney Generals Office if this matter isn't solved. I was told I owe {$340.00} from a utility company. I've never heard of this company and never signed any documents for them. This debt collector is being rude and not helpful at all. Not sure if they are a scam or what but I need to see proof of this and where it came from before I pursue more actions.
07/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19143
Web
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please see attached documents and ID as it contains my full complaint and request.
09/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32225
Web
According to the FCRA the following companies XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX NTL Recovery Agency account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
03/04/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MA
  • 02780
Web
National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health
07/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • KY
  • 41042
Web
I am writing to complain of obnoxious debt collection tactics used by national Recovery Agency, which I request be removed off my credit report. National Recovery states I have opened an account with XXXX, which I have not done any business with. I have been a victim of ID theft and have thus placed an alert on my report. I request that National Recovery Stops harassing me, and reporting negatively to the Credit Bureau about a debt/account I do no owe nor opened.
02/06/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95051
Web
National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX before sending me any bill. I called them and they said the debt is valid. I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?
01/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 334XX
Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
02/26/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90028
Web
https : //www.nationalrecovery.com/ Company failed to send written notice of intent to collect a debt, even though they had address on file. Collections opened XX/XX/2019 for {$130.00} without notification Multiple attempted phone contact through number not connected with company, meaning anonymous phones calls were being used by collector to document illegitimate attempts to contact ; failed to leave any message identifying caller and purpose of call.
09/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11204
Web Older American
On XXXX XXXX, 2017 I sent a registered letter to XXXX XXXX XXXX about a credit report they filed on my name that I owe XXXX {$110.00} which is totally untrue. I explained to them that other then my cell phones with XXXX XXXX of which I am current with I dont and didnt have any business with XXXX for a many years and did n't get any notices from them of any balance. I didnt get any response from them and they did not remove this claim from my credit file
08/27/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 365XX
Web
I filed a complaint yesterday on XX/XX/XXXX. The company responded immediately, and stated that the collection would be removed from my credit bureaus! Instead of deleting the information. This same company added it to my other credit bureaus! Now, as of today XX/XX/XXXX my credit has dropped due to Inaccurate information, and that National Recovery Agency said they would REMOVE! Also, this account was removed in XXXX, and just reappeared a year later
10/28/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07728
Web
National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!
07/13/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23235
Web
My husband spoke as a representative to XXXX at National Recovery Agency where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.
09/23/2019 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 170XX
Web
I FOUND A MEDICAL BILL ON MY CREDIT REPORT OF WHICH I NEVER RECEIVED ANY COMMUNCATION FROM NATIONAL RECOVERY AGENCY AND WHEN I TRIED TO CALL ON SEVERAL OCCASIONS NO ONE PICK UP THE PHONE I WAS ON HOLD AND NO ONE ANSWERED THE CALL THE FOLLOWING IS THE DATES AND TIMES AND HOLD TIME XX/XX/XXXX19 OVER AN HOUR TRIED BOTH LOCATIONS XXXX AND XXXX FROM XXXX-XXXX XX/XX/XXXX19-WAS ON HOLD FOR OVER 30MINS AND I CALLED BOTH LOCATIONS AGAIN FROM XXXXXXXX-XXXXXXXX
07/14/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 132XX
Web
a derogatory mark was placed on my XXXX and XXXX accounts regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report. I've brought this issue up regarding my transunion account, however they are still showing up on XXXX and XXXX accounts.
07/20/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10023
Web
On XX/XX/16 I had a doctor visit but the bill was never sent to myself nor my health insurance provider. I received a call from debt collections several months later and they never sent any proof of this {$160.00} doctor visit. They claim it was lost in the mail and tried sending it 5 times to me and health insurance company but neither of us ever received it. They have offered no physical evidence of the debt they claim they are trying to collect.
02/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19141
Web
I XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, NTL RECOVERY AGENCY., XXXX XXXX XXXX XXXX They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
06/08/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 285XX
Web
I have attempted to contact both companies and inform them that they are both holding the exact same account with a request for them to verify that they are the correct collection agency. Neither provided that proof or proof of transfer from XXXX physician. I am not comfortable even starting the process of clearing this debt because I am not sure who I am supposed to communicate with but I am not paying both companies for the same debt.
11/17/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 630XX
Web
National Recovery Agency. This is a collection account for XXXX, a local utility company. I have been paying a monthly payment amount agreed upon by myself and collection agency for past five months. My credit report does not reflect any payment and indicates " C '' ( collections ) for each of the months I have paid. The payments are directly taken out of my bank account each month and i was told that payments would be reported on time.
06/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08087
Web
NATIONAL RECOVERY AGENCY PUT A COLLECTION DEBT ON MY XXXX credit reports And refuse To provide proof of the identity That this alleged debt belongs to! This debt is not mine and I have know knowledge of it Its now on my credit reports as of XXXX XXXX..They have to provide Debt validation proof And proof of the identity of alleged debt They have not provided anything And Without said proof This debt does not EXSIT It needs to be removed
05/26/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45230
Web
2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past Ohios 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36575
Web
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.
12/27/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31419
Web Servicemember
My insurance paid in full for this only visit I ever had with the client if this collector. I never received notification of the debt or a billing from this company. I requested a debt validation which has been unanswered. I disputed with XXXX They claim to have verified my information which I requested proof of and have not received it. This collection company also doesnt appear to be registered to do business in the state of Ga
08/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45503
Web
In XX/XX/2023, I disputed a debt of {$1400.00} with the three credit bureaus asking National Recovery Agency to verify the debt by providing an original signed contract. They did not provide requested verification but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to me.
10/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38016
Web
I called the daycare to inquire about enrollment for my child. They did not return my call until days later, informing me that they can enroll her that same day. I advise them that I no longer needed their service. The Director sent me a bill stating that because I asked about enrollment, she enrolled my child Which is unfair how can you enroll someone and we do not agree to enrollment so she is charging me be an enrollment fee
04/08/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 040XX
Web
I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this crooked debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 750XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose
08/09/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 119XX
Web
I am not liable for this collection. XXXX XXXX XXXX upgraded my account with a 2 yr contract in the summer of 2012 even though I would be moving and may not be able to take the service with me. I was told I could cancel without penalty. The salesperson misrepresented themselves and XXXX. Now I am being pursued by XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no paperwork except a recorded sale from XXXX Now my credit is ruined.
02/21/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95051
Web
Based on previous complaints, now more than 60 days passed from the day I sent a certified mail asking for the validation of the {$50.00} debt validation. They haven't answered me yet! The last company 's response proves that ( 1 ) they failed to answer me after more than two months, ( 2 ) they never contacted me but they reported directly to the credit bureaus, and ( 3 ) they want to send me the billing not any validation!
12/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 115XX
Web
The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.
06/17/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91403
Web
National Recovery Agency reported a collection account on XXXX which they said occurred 5 years agofrom XXXX XXXX XXXX, a XXXX company. I sent XXXX XXXX XXXX emails regarding this and had no response. I called them and was told that they have no record of this transaction. I have never done business with XXXX XXXX XXXX. I spoke with XXXX XXXX at National Recovery and had no resolution even after I emailed them a request.
08/02/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19141
Web
I sent National Recovery Agency ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) a letter on XX/XX/2020 to verify this XXXX XXXX Hospital debt and I let them know the debt wasnt mine, but Its been over 30 days and I have not received any kind of correspondence. No call, no letter, no email. I would like this debt removed from my account asap. Its bringing down my credit score and Im not getting any kind of response to my letters.
11/22/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 21206
Web
So Workmens Comp. case they will settle in XXXX and the debt hit my account in XXXX {$410.00} which was settle in my settlement the all medical collector bill was pay by XXXX XXXX from their doctor that they referred me to. XXXX XXXX is refused to pay the debt collection and claiming that they sent the check in but its been over a year now Im in fighting with XXXX XXXX of sending information about the collection
11/04/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 34758
Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
02/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 99362
Web Older American, Servicemember
I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue.
08/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77583
Web Servicemember
I have called to explain that this is not my debt, and to have removed from National Recovery Agency, on XX/XX/2021. They all were very rude and hung the phone up in my face. I asked for a Supervisory and she was not helpful at all. The amount is {$620.00} Ref # XXXX. I have also filed a dispute with XXXX. I am request this debt that is not mines be removed from my credit file and my score retuned back to XXXX
04/26/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77090
Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NATIONAL RECOVERY AGENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
09/06/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93041
Web Servicemember
This account has been opened numerous times by this agency for a reported past due amount of {$100.00}. Multiple times this account has been removed, as it is not valid information, nor is it linked to any current open accounts. At this point this account has been opened fraudulently and does not belong to me. The most recent date is as of XX/XX/2023. No accounts have been authorized by me by this agency.
04/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 02302
Web
National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.
06/04/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17201
Web
National Recovery just reported a {$1500.00} medical debt on my credit report. Prior to reporting this debt to the credit bureaus, I did not receive a notice of my right to dispute. I would have contested the debt, but I wasn't given the opportunity. By reporting this debt on my credit report without a 30 day notice to dispute, they have violated my rights under the Fair Debt Collection Practices Act.
04/04/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66109
Web
My first request for verification was on XXXX and that was over 180 days and i have yet to receive proper verification from this alleged XXXX debt that it is on my report. Also i never even received the option or the communication needed to rectify this alleged debt. XXXX has not verified this account or anything and i've sent countless letters to them. I need your help because they are ignoring me.
10/16/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30075
Web
On XX/XX/2023. I received a collection notification from National Recovery System with an account number XXXX on my XXXX and XXXX Credit report. This medical debt is not mine. I have reached out to all three credit agencies to dispute this collection to no avail. This debt is Not mine. I have impeccable payment history and have never paid a bill late. This has affected my credit score tremendously.
07/23/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10023
Web
I have a medical bill from XXXX XXXX XXXX from XX/XX/16. They never sent the bill to my medical insurance provider, XXXX XXXX XXXX, which they are legally obligated to per their contractual agreement. Since they are in-network they are required to submit the claim but they never did and instead sent me to a debt collector to try and get me to pay the full bill which I am not legally obliged to pay.
04/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80112
Web Servicemember
I have continued to get calls even after repeated attempts to show this debt is not mine and that I have never lived at the address they are saying I owe an electric bill for, I have provided police reports and copies of my id, when I request validation they have nothing with my signature or id, anyone could have done this account as the company allows start of service online with no verification.
04/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75904
Web
I have a collection account for medical that originally was with XXXX XXXX I have been called repeatedly by them and tried explaining that I had medicaid at the time. I was awarded ssdi and my medicaid was retro active for the time of service. But they continue to speak disrespectful and will not work with me. I am trying really hard with these people. But they just talk about payments and plans.
04/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PR
  • 009XX
Web
Since XX/XX/XXXX, I've been trying to remove 3 fraudulent accounts from my credit report. To this day, the information keeps popping up in my credit report. Most recently, yesterday, XX/XX/XXXX. My credit report has a active fraud alert and credit lock. XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
12/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33169
Web
i spoke to this company National Recovery Agency today XX/XX/22 XXXX i asked for information for this account, they have my date of birth my dads name, they are trying to collect of a debt without providing any and missed information. Proof of Claim document is attached please send to the company im just asking them to provided information XXXX if they cant close this fraudulent account.
06/01/2023 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32311
Web Older American, Servicemember
I had XXXX at a local hospital that VA had approved. My XXXX was left open for XXXX to drain. I was at a XXXX hospital to care for my XXXX which I wasn't getting the care for my XXXX. When I stared XXXX from my XXXX I requested an ambulance to take me to the XXXX hospital. Now the ambulance is trying to make me pay for it. I am 100 % XXXX veteran and the VA is suppose to pay for it.
02/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 17055
Web
SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the Gramm LeachBliley Act for causing to disclose customer information of a financial institution relating to consumers.
02/19/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 432XX
Web
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency National Recovery in the amount of {$82.00}. This debt has not been validated and the credit agencies, XXXX and XXXX are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
08/23/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • PA
  • 19146
Web
I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens MO 281 SW 715,719 I presumed that no proof of the alleged debt, nor therefore in fact any such debt therefore exist! This company is violating my consumer right to privacy pursuant to 15 usc 1681 B2 company has also No permission to report anything using my information pursuant to 15usc 16814
06/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • XXXXX
Web
I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.
01/23/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • XXXXX
Web
On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.
08/24/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 365XX
Web
I hired XXXX XXXX in XXXX, and there was a collect from National Recovery Agency for a medical debt from XXXX for XXXX. I was able to get it deleted in XX/XX/XXXX. I was never notified from the credit bureaus within 5 days, or the collection agency that the exact same collection agency put it back on my XXXX credit report yesterday on XX/XX/XXXX. With a date opened XX/XX/XXXX!
11/19/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11218
Web
I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.
05/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45014
Web
I sent a certified mail on XXXX XXXX 2015 to National Recovery Agency in reply to a letter I received dated XXXX XXXX, 2015. My letter I asked them to please validate/verify this debt ; I was well within the 30 day period. They responded with a " Itemized Bill that I requested " I do not owe any money to this company. This is just ridiculous. I pay for my private health care.
04/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 231XX
Web
I have a payment schedule setup to auto-draft from my account and have made the agreed payments. now this debt is showing back up on all 3 reports as delinquent and it has cost me XXXX points. I have provided proof of the last 2 payments, which reflect that the reporting information is NOT at all accurate and is hurting me badly as i entered into the agreement in good faith.
01/05/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33610
Web
NATIONAL RECOVERY AGEN # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
05/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07105
Web
XXXX XXXX, XXXX XXXX, continues to report on my credit report that I have a balance of {$780.00} owed. I wrote them a letter on XX/XX/XXXX of XXXX asking to please send proof of this debt, provide me a copy of all of the information that was transmitted to the data furnished as part of their investigation. I never got a response however its still hurting my credit.
09/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32208
Web
National Recovery Agency violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I am hurt that my personal information and medical records was shared from XXXX XXXX to the National Recovery agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.
06/22/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33064
Web
NATIONAL RECOVERY AGENCY DEBT COLLECTION COMPANY IS REPORTING AS AN OPEN ACCOUNT DATE OF XX/XX/2022 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 21157
Web
its been over 30 days and the creditor has not updated information nor provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the late payments on my credit report under federal law they have 30 days to complete investigation and by failing to do so the item must be deleted as soon as possible.
08/28/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 020XX
Web Servicemember
my credit score was dropped by 100 pts due to a fraudulent/identity theft XXXX account. I disputed the claim and never recieved any notice and never heard back from the agency. A new debt collector assumed control of the fraudulent debt and never sent me any notification about reporting the claim to the credit bureaus. The debt company is NRA debt collectors.
08/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11105
Web
I am attaching a dispute with National Recovery Agency. I disputed this claim with XXXX and it has been deleted from my XXXX credit report. National Recovery Agency should IMMEDIATELY remove any and all derogatory marks that have placed on my credit score with other credit bureaus. I have attached a copy of the deletion dispute from XXXX to this complaint.
08/22/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • XXXXX
Web Older American, Servicemember
XXXX XXXX XXXX forwarded my account to a third party collection agency. I paid all but {$210.00} on the account and I have told the company that I am willing to pay the remainder of the bill in installments and if, I am fortunate enough I will pay it off completely but, they keep harassing me and sending me notices. They have already affected my credit.
09/23/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28677
Web
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that National Recovery Agency comply with the CFBP executive order & remove both alleged medical debts from my consumer report immediately. Failure to comply with the following demand may result in legal action pursuant to 15 USC 1692k due to non-compliance.
01/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32084
Web
I got a debt medical collection on my credit report now from XXXX had a car accident in XXXX and we never recieved bill of this amount. My lawyer paid every single bill I had. I did not recieved any bill of this amont ever and I called the collection to send me detailed bill, they never sent me. My lawyer paid of around {$37.00} other medical bills.
07/05/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 161XX
Web
I received a call from national recovery agency. The debt collector was rude. I told him that if I were to pay this debt, that I will contact the actual company. He told me this was going to be sent to my credit and I have to pay them. I then ended the call and then he floods my text messages with texts from The company as soon as the call was ended.
08/15/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 190XX
Web
National Recovery had refused to send me verification on the debt from the original creditor as stated by FCRA requirements. I called and requested an invoice for the amount. The representative also stated that doing so violates company policy. In response, I had my attorney send a formal letter with the same request to which they have not responded.
08/03/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • ID
  • XXXXX
Web
Recieved call from the number, lady on the other line, asked to verify my date of birth, and actually recited the date of birth before I acknowledged who I was, and find that to be a gross privacy violation and demand that this business stop participating in behavior that is disclosing personal information to others with no authorization to do so.
04/28/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 298XX
Web
Today, XXXX XX/XX/2021, I was notified by a family member who has my previous phone line via text messaging communication. The National Recovery Agency ( XXXX XXXX XXXX XXXX, PA XXXX ) is unethically sharing Personal Identifiable Information to a number I no longer possess. This act is immoral, unethical, and a threat to my security and identity.
02/04/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32034
Web
I received an alert on my credit monitoring service XX/XX/2021 that I have a derogatory information on my account. Upon viewing it, I noticed that National Recovery entered a derogatory amount of {$660.00} on my file without contacting me of the debt in question or to point this company in the right direction, which is a violation of my right.
01/04/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17013
Web
this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX pysicans group and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX
05/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30248
Web
I've made a payment to XXXX XXXX on XX/XX/2021 in full to a past due account. It's been stated by numerous representatives at XXXX XXXX that is has been reported to National Recovery Agency 3 times and National recovery Agency is stating there is no record of any payments made and they are still reporting a negative balance on my account.
02/09/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63379
Web Older American
I get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time.
09/23/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28625
Web
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that NRA Group LLC comply with the CFBP executive order & delete this alleged medical debt from my consumer report immediately. Failure to comply with the executive order may result in legal action pursuant to 15 USC 1692k for non-compliance.
10/30/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27107
Web
NTL has harassed me for the last time. I do not owe this debt. Its not mine. The doctor office gave them my info erroneously. Since it a collection- its been discharged and is now income. They refuse to give me a 1099c. The IRS says they owe me this form. Someone from the company got the letter requesting this and they refuse to comply.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19141
Web
Per the laws under The FDCPA, Debt Collectors must send a written Validation Letter however I did not receive a Validation Letter neither by mail and or electronic confirming said debt. I was not given an opportunity to inquire, authenticate, agree or disagree with debt. Therefor you are in direct violation of my rights under the FDCPA.
08/25/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11717
Web
I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.
02/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 32244
Web
I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete immediately.
06/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 132XX
Web
On XX/XX/XXXX a derogatory mark was placed on my XXXX account regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report
11/21/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75238
Web
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via XXXX. Permit from Commissioner of Insurance ; penalty for violation ; exception.
06/03/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34601
Web
This Dept Collection Company is falsely trying to collect a payment from me and the dates are way off and not correct. I have informed the credit XXXX of this issue and XXXX is still on my credit report. 2nd- Issue.. This is not my account I have never received any notice from anyone with this company so I am filing this. Thank You!
05/13/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32256
Web
Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.
08/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17013
Web
this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX.
10/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 065XX
Web
Received email from National Recovery Agency about a utility bill that was never mine. It listed an address that I never lived at for a debt that was never mine. Debt date on bill : XX/XX/XXXX Date of email : XX/XX/XXXX Amount : {$280.00} I have taken no action yet ; National Recovery Agency claims to be a collection agency.
07/23/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29203
Web
Debt was stated due {$150.00} but recieved phone call before from company saying that the debt was taken care of because I was an employee at the time. Please have this removed from my credit report. It is stated that this comes from XX/XX/2018 I dont know why I would be charged anything for services that were stated paid for.
11/29/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 351XX
Web
I have told this company to provide me proof of Debt, They have refused to do so They are now calling multiple times even with me telling them to stop are also texting me from XXXX and the text comes up as they are XXXX XXXX Else for Example the last says they are The XXXX XXXX. and then says they are National Recovery Agency
06/06/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 180XX
Web Servicemember
Ive tried to talk to a human and Im convinced this company that is calling is fraudulent. Im also convinced I do not owe them any money because I pay my debts, even if Ive had to pay late. You can not talk to a live human on the phone, its ridiculous! They call anytime of day, several times a day ... there is no end in sight!
10/15/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NJ
  • 08859
Web
Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX, I dispute the validity of this debt due to the fact that I filed for Chapter XXXX bankruptcy. This is clearly evident on all of my credit reports with the major credit reporting repositories.
09/17/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37013
Web
I have 2 medical bills from the hospital since 2019 I have contacted the hospital and applied for the medical assistance program so they can pay my bills and I was approved and the hospital said that they paid all the bills and I have contacted the collection agency many times and I told them and its still on my collection
10/30/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08859
Web
Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX. On, XX/XX/2020, the business informed the CFPB that they would mail proof of the alleged debt and a copy of the receipt showing paid in full. Sixteen days later, this has not been provided.
10/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 238XX
Web
i have contacted this company and inform them that this debt is mines i have also sent letters to this company and told that this debt is not mines i have no knowledge of this account and i need this debt to be remove off my credit report ASAP please contact XXXX, XXXX and XXXX to get my debt remove from my credit report
07/15/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75056
Web
I have asked them twice not to call me at work. They, " National Recovery Agency '' want me to blindly pay them {$100.00} on an invoice they will not validate. Using the Post Office, mailings and telephones in a bullying fashion. Their company : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Phone # XXXX & XXXX
09/22/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CT
  • 066XX
Web
Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.
05/26/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 326XX
Web
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
02/19/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WV
  • 259XX
Web
I seen on my credit report on that national recovery agency had posted a collections for XXXX XXXX XXXX. I have moved several times in the past two years due to school and didnt know I owed them money. I actually still have XXXX at my current home as my electric provider and still havent received anything in the mail.
06/27/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33579
Web
NATIONAL RECOVERY AGENCY is illegally misrepresenting the date of the original debt so that it appears newer on my credit report, which creates a negative effect on my report. Due to the date of the original debt it should not have a negative effect but because NATIONAL RECOVERY AGENCY misrepresented the date it is.
02/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11206
Web
a debt collector named National Recovery started in XXXX to put on my XXXX credit report a uttilty debt of {$88.00}, even though my account is current and up to date with the utillity. i have provided that info with documentation to the credit beuro, and they have not updated my reportand left that collection on it
04/27/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • XXXXX
Web
The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.
07/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19144
Web
In accordance with the Fair Credit Reporting act National Recovery Agency # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
07/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43219
Web
XXXXXXXX XXXX mailed prescriptions which I did not request. When I received I called them and the representative confirmed I did not order. I asked if they wanted the items returned- they said no to keep them but I would not be charged. Now they sent the same issue to collections and reported to credit bureaus.
11/21/2023 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • OH
  • 441XX
Web
Instead of sending me proof. They say I owed the debt without showing me proof and keep texting me even though the law says Collection agencies are not allowed to contact the person if he or she has requested validation on the declared debt during the required validation period ( typically the first 30 days ).
07/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • XXXXX
Web Servicemember
The Debt collector NRA emailed me stating that I owed a debt from XXXX of XXXX but I have yet to receive in phone calls and or any letters in the mail when I use to live at that address. This is the only time I am hearing of this debt and I am all the way in XXXX now. I am just now receiving something on XXXX
10/22/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33068
Web Servicemember
National Recovery Agency called me and identified themselves as the NRA updating their mailing list for members. Being a member I gave them the information asked for. After that they advised this was a call to collect a debt I asked them who they were again and they responded the NRA National Recovery Agency
09/05/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 273XX
Web Older American
Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC.
09/05/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 322XX
Web
The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 435XX
Web
They sold your information to a third-party. You have been trying to work with them so they can take the information off my credit. Some of the stuff that is on my credit is not even mine so Ive been working with them to remove it, and nothing has been done, but they sold my information to a third-party.
02/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 299XX
Web
XXXX, 2022 I received an alert about an collection account from NTL Recovery Agency, I've called and spoken with NTL and explained to them that this account has been resolved with another agency, NTL Recovery Agency refuses to remove this collection off my report, this is unacceptable and Unprofessional.
02/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91913
Web
This company was on my XXXX and XXXX report. I sent a letter requesting debt validation in XX/XX/2022 and did not receive validation. This company deleted the debt from those credit reports. Now I see that they are reporting on my XXXX report and still have not sent any validation that the debt is mine.
09/23/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TN
  • 37343
Web
Company sent a text to a family member releasing my address, the collection account number, the amount owed, the medical name of the original collector. The date when I was at the doctor. It was sent XX/XX/2022. I have all screenshots of the text. They call me 30 times a day so they have my phone number.
09/13/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • XXXXX
Web
I do not owe any medical debt whatsoever. Because my My medical Insurance covered 100 %. National Recovery Agency do not even disclose who is the Dr. when was the date and what treatment has been taken. So, it is nothing to do with me. Please stop and cease immediately fraudulent collection activity.
06/29/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 800XX
Web
I don't have any debt. None. I get harassing phone calls from companies all the time even though I have no debt and my phone numbers are listed on the do not call list. I attempted to complain to the do not call registry and the website pointed me here. Today 's call at XXXX XXXX was from XXXX XXXX XXXX
09/12/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20785
Web
THIS DEBT COLLECTOR STATED I, THE CONSUMER, HAD 30 DAYS AFTER RECIEVING THIS NOTICE TO DISPUTE THE VALIDITY OF THIS DEBT, YET THEY REPORTED THE DEBT TO THE CONSUMER REPORTING AGENCIES PREMATURELY. THAT IS A VIOLATION OF MY CONSUMER RIGHT AND CONSTITUTES THE REMOVAL OF THIS ALLEDGED ACCOUNT IMMEDIATELY.
11/12/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 173XX
Web
Recently, a collection agency named National Recovery Agency, started reporting 3 medical bills on my credit report. Prior to these accounts appearing on my report, I did not receive my notice of my right to dispute. This is a violation of my federal rights under the Fair Debt Collection Practices Act.
12/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
National Recovery Agency Collection is attempting to collect on and account that doesnt belong to me. The account number show on my credit report is account XXXX amount {$2500.00}. The address is shown as XXXX XXXX XXXX XXXX, XXXX, Massachusetts. I XXXX XXXX XXXX XXXX Have never live at this address.
01/24/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • NH
  • 034XX
Web
Been called multiple times a week claiming they are national Recovery agency number is XXXX have not sent me anything physical in the mail and have been calling since XX/XX/2018 my understanding is that they had 5 days to send out paperwork. I feel this is a scam and is affecting my vredit score.
09/29/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85207
Web
I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck
03/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19802
Web
I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit report.
06/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92395
Web
THIS COMPANY SAYS I OWE A DEBT FOR THE AMBULANCE COMING TO XXXX XXXX XXXX. I WAS INJURED ON SCHOOL PROPERTY DURING SCHOOL HOURS PARTICEPATING IN SCHOOL ACTIVITIES. THE AMBULANCE WAS NEVER CONTACTED BY ME BUT THEY MADE ME SIGN MY NAME AND THEY BILLED ME, IN FACT I WAS STILL A MINOR AT THE TIME
06/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12550
Web
This account was previously deleted from my credit report from two other collection agencies as there was an error and they continue to report it. I do not owe {$350.00} and they are reporting this account was opened on XXXX XXXX which is not true. I have been fighting this for years.
10/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77584
Web
Something showed on my credit report that has to be a mistake. XXXX XXXX XXXX says I owe money but I have n't been to the doctors in years. Why would something just no come up? My name is common so they may have me mixed up with someone with my same name. This has to be wrong.Please help me
05/03/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34654
Web Older American
I have received XXXX a letter and repeated phone calls from NRA Group , LLC. I gave them a courtesy call after the letter to explain they have the wrong person. They indicated they would take me off the list. Since I have received at least XXXX additional calls. I consider this harassment.
12/19/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • XXXXX
Web
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.
03/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 30236
Web
XXXX XXXX XXXX credit card inding inXXXX that is not my card I told them that I had a card ending XXXX was paid off and this XXXX I dont owe this and they keep sending me pre approved credit if I owed and they are trying to collect why give me more credit not mine was sent to old address
08/14/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web
XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.
02/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11434
Web
XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off my credit report.
12/16/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 270XX
Web
I spoke to the company themselves and told them that it was not me. That someone else used my social and birthdate for their appointment. They said they messed up. It was removed from collections but it is still on my credit report. I have asked for it to be officially remove completely.
10/30/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44306
Web Servicemember
National Recovery XXXX is attempting to collect a XXXX invoice that I was never given, nor aware of. It is not my debt. The letter has Account # XXXX for the amount of {$6100.00} for XXXX. I was never given an invoice, nor aware of this debt. I have medical insurance and assistance.
07/08/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43206
Web
There is nothing in collections on any of my credit reports. I keep getting calls from the National Recovery Agency claiming that I need to call them about about debt collections. I am concerned this is a scam and am worried about contacting them directly. They are calling from XXXX.
09/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IA
  • 50701
Web
I sent a letter to National Recovery Agency in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.
06/06/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 137XX
Web
XXXX XXXX this was not my debt and was on my XXXX credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account XXXX
06/08/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08610
Web
on XX/XX/XXXX mailed my dispute to them on XX/XX/XXXX they signed for it as of XX/XX/XXXX received no mail from them and my credit report doesn't reflect a dispute as of XX/XX/XXXX still received nothing from them and nothing is marked on the credit remarks about being in dispute
10/21/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32208
Web
sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}
02/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10027
Web
National Recovery Agency is contacting me via mail and TEXT ( at XXXX! ) regarding a XXXX XXXX account that was paid off XXXX ago. The previous agency that tried to collect on this account, this was taken off my credit report and I thought I was done with it, but obviously not
10/10/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 173XX
Web
I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?
06/11/2021 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
  • NY
  • 11219
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
09/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29681
Web Older American, Servicemember
Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.
03/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32224
Web Servicemember
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
02/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32506
Web
After talking to my Credit financiers I discovered that this company National Recovery Agency Or The NRA group is not licensed in Florida and there for is not allowed to practice in Florida yet they have reported a debt of {$1100.00} from Florida to the Credit Bureaus.
12/13/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MA
  • 015XX
Web Servicemember
National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.
11/13/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30815
Web
This medical debt is not supposed to report on my credit and this alleged debt did nit give me any notification or receive permission from me. They have violated under tile 15 of the FDCPA guidelines. This alleged debt was removed now reinserted without my permission
12/27/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • MO
  • XXXXX
Web
On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX National Recovery Agency sent multiple texts to my phone identifying themselves as a debt collection agency and then proceeded to attach information on an account. This was obtrusive and violates the FDCPA guidelines.
02/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 322XX
Web
The company, National Recovery Agency, is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The National Recovery Agency has been reporting false collection information to all three of the credit bureaus.
11/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I signed up for a gym membership that ran from XXXX to XXXX. XXXX XXXX XXXX, the third party company that collected payment for the gym, continued to bill be after my gym membership expired. Now, a debt collector is attempting to collect the unpaid monthly fee.
10/12/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32218
Web
While checking my credit reports, I noticed a collection account from XXXX XXXX, I have written to this company several times asking them to validate said debt and have not received any correspondence back from them. This negative account is affecting my credit.
08/08/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21040
Web
I have reached out to this organization several months ago regarding this debt, however they have not responded and this account is being reported on my credit report. I wish to resolve this debt as quickly as possible. I sent a certified letter on XX/XX/2021.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32277
Web
Please produce Original contract for said debt {$760.00}. XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent company on my credit report please remove immediately acct opened XXXX I have googled to call and settle debt its complete fraud. Please remove immediately
12/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NC
  • 270XX
Web
This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report.
03/01/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55429
Web Servicemember
I called the company and they sent the documents i will attach below XX/XX/XXXX the credit card was paid off and closed the account XX/XX/XXXX taken to collection without being sent any bill for more than a year Or any amount owed showing on my credit report
02/25/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • PA
  • 17111
Web
National Recovery Agency @ XXXX on Friday XX/XX/XXXX sent a series of text messages to my phone stating that I owe a debt. This is clear violation of the FDCPA where they are not allowed to call/text anyone before XXXX and XXXX to attempt to collect a debt.
07/08/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ME
  • 040XX
Web
This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and XXXX refuses to remove
09/08/2017 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21237
Web
I have no knowledge of this debt. There was no invoice sent to me. This company has reported this on my credit report. I called XXXX XXXX but I was not connected to anyone. The bill is in he amount of XXXX. I am requesting validation of this bill.
06/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85345
Web
I have already submitted complaint on this company that they are doing fraudulent activity and that the needed to verify the debt with documents that XXXX XXXX me to it and they have passed 30 days and almost over 60 days and they are non responsive.
01/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 318XX
Web
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
04/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 066XX
Web
National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.
08/02/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17055
Web
National Recovery continues to furnish information on credit file. The medical bills are a HIPPA violation. Many employers and colleges declined me due to issues with my health. This is belittling. I'm requesting information removed from credit file.
01/07/2016 No
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18201
Web
I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due.
03/28/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95051
Web
NRA has not sent me any document proving their reported account on XXXX under my name with the right day of first delinquency. It means they have not responded to any of my complaints since I requested ( please see the attached receipt of USPS ).
01/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 01830
Web
{$1800.00} settled and paid for lesser amount back in XX/XX/XXXX it is now XXXX XXXX please have it removed Ive called the company already about this and they said it should be off by now but they have done nothing to Help speed up the process.
07/02/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • TN
  • 37212
Web
I have already filed a complaint about the abuse I suffered at the hands of XXXX XXXX of National Recovery Agency. National Recovery Agency violated the law by sending a text to me before XXXX in my time zone. Their text was sent at XXXX XXXX.
01/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11520
Web
-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX XXXX -DATE OF INQUIRY XX/XX/XXXX
09/10/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33186
Web
My information was used incorrectly to open credit cards/pay debt. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
04/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63376
Web
Reference # XXXX National Recovery Debt for XXXX XXXX XXXX in the amount of {$68.00} This is not my debt and I don't even know what this debt is for. I would like to know where this debt came from, how it was acquired/who signed for it, etc.
12/13/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 065XX
Web
I have been calling to dispute this debt because I do not owe it. I 've spoken to several agents and they noticed I had insurance on the date of service but they will not remove this debt. It is on my credit report and I 'd like it removed.
12/09/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32216
Web
I reached out to the collection agency around XX/XX/2018 to validate this debt and to date I have not received any information confirming this is a valid date. Also per insurance records there werent any claims submitted from this company.
11/30/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21117
Web
On XX/XX/2018, I received an alert from XXXX XXXX saying that a collection was added to my report. When I looked on my report I saw National Recovery Agency. I never received a notice to dispute the debt, which I am suppose to receive one.
06/30/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • GA
  • 30016
Web
Company added a debt collection to my credit report. I have requested documents stating I owe this company as I am unaware of the debt. I have received a text message but nothing in writing. Please remove this debt from my credit report.
06/29/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85210
Web
the same original creditor " XXXX " reinsert the same collection with a different Agency " National recovery agency '' with out a 5 day reinsert notice via mail which is a violation please remove. Please validate this debt or remove it
04/02/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02907
Web
I have filed a complaint previously, this company has yet to send me any documents regarding this collection so I can dispute it properly. It has been months now and I would like them to remove this debt from my report as it is not mine.
09/13/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17111
Web
XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported two accounts as delinquent to the credit bureaus without properly notifying me that the account will be sent to collections. I tried to dispute with credit bereaus but nothing was done.
04/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32208
Web
NRA # XXXX. These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
11/16/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89148
Web
On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.
03/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • DE
  • 19711
Web Older American
I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.
08/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • XXXXX
Web
This company, National Recovery Agency has stolen my identity by way of fraud and is attempting to collect a debt I dont owe them. I never signed a contract with this company. They are using my private information to coerce payment.
03/10/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 618XX
Web
They keep calling me asking for " XXXX ''. I do not know nor am affiliated with anyone by that name. I 've asked them to stop calling, they confirmed they would put me on a 'Do Not Call ' list. And yet they 've called again today.
02/08/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77365
Web
I received a notification that a medical debt was sent to collections. I have not received a single letter or phone call regarding this debt therefore I can not verify that the information surrounding this collection is correct.
03/07/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32244
Web
I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.
12/21/2018 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
  • GA
  • 30043
Web
All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing
04/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90731
Web
I don't even know what this is for. I haven't lived at this address in over 3 years. I believe this is identify theft. I've contacted this company and informed them of this. They still call, text and harass me every other day.
03/09/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • RI
  • 02889
Web
This company contacted me at XXXX via text on XX/XX/2022, regarding the debt that I have with National XXXX. I was waken up to this text message. That is absolutely not an acceptable time to be reaching out regarding a debt!
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32225
Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$3000.00}
08/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32225
Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$3000.00}
10/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19111
Web
I discovered this company had illegally reinserted a medical bill from XXXX XXXX on my credit file. You are required to notify me within XXXX days of inserting a previously deleted item. I did not receive such notification.
04/13/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31605
Web
their charging a hospital bill wich it was paid by insurance and they said i had a diffrent insurance i send them copies of insurance cards and they said its not the right one and i also never recieved a bill from hospital
08/26/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 850XX
Web
National Recovery text late at night the most recent was XXXXXXXX XXXX. from XXXX attempting to collect a debt for a company I do not even know. I have requested and Stop text request multiple times and they still text me.
08/07/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 43147
Web
XX/XX/2018 total of {$430.00} which was included in a bankruptcy. I do not owe this dell debt. Once applied to credit it affect my credit score with a decrease off 100 points. This is not my mistake and I want it removed.
07/03/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 282XX
Web Servicemember
XXXX of XXXX my identity was stolen since that time several fraudulent accounts have been opened .... this account from XXXX XXXX is one of them and they are trying to collect on a debt that I did not create acct # XXXX
12/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 151XX
Web
i reported that this account was a result of id theft but they ignored my report and keep reporting as my debt National Recovery Agency is negligent in this transaction and shout pay a heavy fine for ignoring my request
05/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01604
Web
Discovered a Collection entry on my credit report for National Recovery Agency. I Have never received any communications from this company and don't understand why they submitted a collection entry on my credit report.
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
  • NY
  • 104XX
Web
NATL RECOVERY XXXX is being reported to all 3 major credit bureaus. This acount is fraudulent and wasnt openend nor utilized by me. Please note an attached Federa Trade Comission report and remove this from my credit.
06/20/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01453
Web
Requested documentations to verify alleged debt and they were not able to deliver all documents Requested and after thirty day did not remove from my credit file agency name is national recovery agency acount # XXXX
11/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 890XX
Web
Multiple calls from different numbers attempting to collect a debt that is not mine. Person/ Persons Impersonating a debt collection agency in an attempt to collect on a small debt. Harassing calls and text messages
10/04/2019 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 13208
Web
I received a bill for this medical debt 2 days after it was reported to the credit bureaus. I knew nothing about this I have insurance and was unaware of an outstanding balance. I cant pay a bill I dont know I have
04/27/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • RI
  • 028XX
Web
Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for.
09/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19114
Web
INFORMED THE COMPANY THAT THE DEBT DOES NOT BELONG TO ME. ASK FOR PROOF THAT THE DEBT IS MINES AND THEY HAVE YET TO SEND ME ANYTHING WITH MY SIGNATURE. ASKED THAT THEY STOP REPORTING FALSE ITEMS TO MY CREDIT FILE
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07071
Web
XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to NTL RECOVERY AGENCY.
12/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33169
Web
THESE XXXX COMPANIES ARE TRYING TO COLLECT THIS FRAUDULENT DEBT AT THE SAME TIME. XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THE DOCUMENT ATTACHED IS A FTC COMPLAINT FORM LISTING ALL FRAUDULENT COMPANIES.
07/16/2021 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.
05/02/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02072
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.
03/31/2021 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.
03/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02721
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.
03/07/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 029XX
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.
01/29/2021 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.
04/24/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02860
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.
06/20/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02121
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.
03/26/2020 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.
01/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 17055
Web
National recovery continues to furnish information on credit file. According to [ 15 U.S.C. 1681b ] creditor furnish information on credit report which debt is satisfied. Requesting removal of tradeline.
09/13/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28212
Web
I can see the claim through my credit app, however i have not recieved any mailed statements to pay this off or come to an agreed upon date of payment. I would like to get this XXXX dollars off my report.
08/12/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92869
Web
We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.
06/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NH
  • 034XX
Web Servicemember
Company is attempting to collect debt that was a fraudulent charge on an account due to identity theft. Company has not made attempts to allow me to provide information to dispute this fraudulent charge.
07/20/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • XXXXX
Web Servicemember
I was never informed of the debt being collected. This agency did not make any attempt to contact me regarding this issue of owed medical bills. The agency just added it as an alert on my credit report.
02/10/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20902
Web
I noticed a debt pop up on my credit report XX/XX/XXXX that didnt belong to me. I called the debt collector and they told me that this is a debt from XXXX about a medical debt. This debt if not mine.
05/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70817
Web
NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 720XX
Web
MULTIPLE AND REPEATED PHONE CALLS THROUGH OUT THE DAY on my place of employment and leaving multiple messages in my phone, threats that if I dont contact them I will be placed on Collection etc
03/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02907
Web
I already spoke with this company and they said they would send me something in the mail its been several months and they said the collection would be removed. Yet it still shows on my report.
03/12/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • FL
  • 33321
Web
Happened on XX/XX/19 @ XXXX XXXX. Scammers posed as debt collectors attempting to extort money, did not answer. No information given out. Constant calls. Enrolled in do not call registry line.
04/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85345
Web
According to fcra collection agency need to provide legal documents that prove I am legally responsible for this debt. I require them to send me the signed agreement with my signature on it
01/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • XXXXX
Web
gym membership was paid current. gym closed down their business without any notice. never recieved a bill until two years later when i recieved a collection notice from a collection agency
07/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32225
Web Servicemember
This collection account just appeared on my credit report. I have no knowledge of any debt and I have never been contacted regarding a debt. This is an attempt to collect a debt not owed.
03/07/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17331
Web
XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.
07/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10306
Web
I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account.
03/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11520
Web
I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.
12/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 02301
Web
XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded
01/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01810
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/22/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02121
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/05/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02122
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/23/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
01/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02122
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
01/08/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 374XX
Web
I paid for dental work to XXXX XXXX. It was paid in full at the time of services. 2 years later they say I owe {$300.00} that is fraudulent. I do not owe XXXX XXXX any money.
12/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • XXXXX
Web
National Recovery Agency for the amount of {$2200.00}. I have sent National Recovery Agency a debt validation several times with no response. This item does not belong to me.
01/21/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32256
Web
I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt.
04/19/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Reinserted previously deleted info
  • GA
  • 30274
Web Servicemember
National recovery has Reinserted a previously deleted information. It was n't accurate in the first place, but now Its back on after being deleted 2 years ago!. Please help
11/05/2019 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
  • Investigation took more than 30 days
  • VA
  • 23454
Web
National Recovery continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.
11/03/2019 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
  • Investigation took more than 30 days
  • PA
  • 17055
Web
National Recovery continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • RI
  • 02910
Web
XXXX XXXX says that I owe them money and have reported it to the credit bureau. This is not true I never had an account with XXXX XXXX and somebody used my information
03/02/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36869
Web
This account represents a balance I have no knowledge of. I also have not authorized this company to access my personal information or use it to contact me in any way.
10/01/2019 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AR
  • 72223
Web
I had a bill with XXXX XXXX that I paid off XX/XX/2019 which was XXXX. I've contacted the agency about removing this off my credit report but they haven't done so yet!
08/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 196XX
Web
I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help
12/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 181XX
Web
XXXX XXXX NY XXXX XXXX XXXX, XXXX NY XXXX XXXX AMOUNT : {$1100.00} COMMENT : THIS IS FRAUDULENT.THIS NOT MY ACCOUNT .DELETE IMMEDIATELY F.T.C REPORT NUMBER:XXXX
07/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37921
Web
National recovery agency put a collections account on my credit report for {$5600.00} This is fraud it is not my account I have disputed with the Credit bureau
10/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PR
  • 00725
Web
On XXXX I filed with the Puerto Rico Department of Police an identity theft report because I noticed a medical debt on my credit report and addresses not mine.
06/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11214
Web
I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.
05/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20707
Web
I do not recognize this debt. You have no right to put this false information on my credit report as a collection. I want it to be disputed immediately.
02/13/2021 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
  • Was not notified of investigation status or results
  • NJ
  • 08105
Web
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
09/17/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 329XX
Web
Nationality recovery XXXX ( XXXX ) XXXX That company has the same debt as another company, that is, there is only one debt collected by 2 companies.
11/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 208XX
Web
NTL Recovery agency placed a false collection account on my credit reports. I contacted the agency and they had no information that related to me.
02/25/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75181
Web
Date : XXXX XXXX XXXX I reached out to confirm information and amount and I am unsure when I was charged this amount and have had no resolution.
04/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44313
Web
I am receiving calls and texts message from a company that i don't know, how they have my information is unknown and I would like it to stop.
09/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32211
Web
I have been disputing and are not getting a timely response and i need answers because the account listed is NOT mine or i dont recall it.
05/03/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32828
Web
I reviewed my credit report to find this company has been reporting on my file without given the proper procedures according to the FDCPA
09/16/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 086XX
Web
Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure!
02/12/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 238XX
Web
This account is fraudulent activity I need this account remove ASAP if this doesn't get resolved I will have to use legal actions
02/23/2022 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
  • TX
  • 77494
Web
i disputed incorrect items on my credit report and its past 30 days and i havent recieved and results from this investigation.
02/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 142XX
Web
I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there
11/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02740
Web
I have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS.
05/31/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28112
Web
In XXXX National recovery trying to collect a debt that already been paid off I ask them to take it off and they havent
10/17/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34482
Web
Had XXXX insurance at the time still do, no reason why I should have a collection debt from XXXX emergency physicians.
08/23/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08087
Web
I have received repeated phone calls from this company and have ask them numerous times to stop and they won't
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77545
Web
This account does not belong to me, this address I was told this account was started I have never lived there.
08/25/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19604
Web Servicemember
i was not living in the usa at the time ... i was living in XXXX..there is no way it is reporting accurately
10/22/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27707
Web
My law, my consumer writes are being validated. I have no written permission or consent for these accounts.
08/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19020
Web
Debt was paid through original creditor ( Hospital ) and still showing as a unpaid debt on my credit report
06/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08087
Web
a debt validation letter was sent to you on XX/XX/2021 and have yet to heard a response, please advise.
10/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 116XX
Web
Some one used my name and social security number yo open up a light bill at an address I never lived at
09/02/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60134
Web
I received an email for a debit that has nothing to do with me to my email. False claim and a scam.
01/21/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32244
Web
National Recovery Agent Collection Date XX/XX/2020 Attempting to collect a debt without validation
07/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17601
Web Servicemember
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$230.00} Open balance XXXX XXXX Original creditor
01/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19134
Web
NTL RECOVERY AGENCY ( collector ) XXXX XXXX ( originator ) {$1300.00} ( amount ) Opened XXXX
01/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85257
Web
Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.
11/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 441XX
Web
Breaking the law reporting collections on my account and having no proof I owe the debit.
05/27/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20707
Web
Repeatedly phone calls, uncomfortable and inappropriate calls. Inaccurate information.
07/08/2015 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 463XX
Web
Calls frequently using an automated system, never anyone on the line when you answer.
06/12/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30519
Web
I never received a validation letter via mail or electronically from this company.
04/03/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23452
Web
I have received a letter from National Recovery Agency for a debt I do not owe.
03/03/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 11222
Web
debt just showed up on my credit statement with no notice of right to dispute
11/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92376
Web
Received a credit alert of a XXXX closed account, Ive never had XXXX before.
05/10/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MA
  • 019XX
Web
ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX
04/21/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 190XX
Web
getting constant calls, ,i have no idea what the debt is, and wont tell me
06/11/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 15301
Web
XXXX XXXX calling random people I may be affiliated with.
08/16/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • PA
  • 175XX
Web
Texted me at XXXX p.m. which is a violation of fdcpa.
02/09/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 062XX
Web
I dont know where this debt is from. I dont owe this.
10/02/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32773
Web
This is not mine. I never went to any medical place.
06/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30038
Web
Someone is using my information fraudulently
04/05/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NY
  • 122XX
Web
I didnt receive any notice about this debt
07/05/2021 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
  • MA
  • 027XX
Web
I was never late on this account.
02/12/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91744
Web
02/08/2024 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 43609
Web
02/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 71202
Web
02/06/2024 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NM
  • 87114
Web Older American
02/06/2024 Yes
  • Debt collection
  • Other debt
  • Electronic communications
  • Frequent or repeated messages
  • NY
  • 11225
Web
01/31/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07111
Web
01/30/2024 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32811
Postal mail
01/29/2024 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27703
Postal mail
01/28/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76107
Web
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02125
Web Servicemember
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19013
Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11731
Web
01/16/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32210
Phone
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 73099
Web
01/12/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NC
  • 28120
Web
01/12/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35242
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21244
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23224
Web
01/04/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29554
Web
01/03/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18045
Web
01/02/2024 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 731XX
Web
12/29/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28217
Web
12/28/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91364
Web
12/19/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27607
Web
12/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43231
Web
12/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30305
Web
12/12/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80223
Web
12/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19130
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28326
Web
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17101
Web
11/29/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33442
Web
11/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11710
Web
11/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Electronic communications
  • Frequent or repeated messages
  • LA
  • 70510
Web
11/09/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31602
Phone
11/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85263
Phone
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02149
Web
11/06/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36340
Web
11/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 17104
Web
11/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20001
Web
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NJ
  • 08575
Web
10/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32207
Web
10/24/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14215
Referral
10/18/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77657
Web
10/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • RI
  • 02903
Web
10/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30127
Web
10/08/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28314
Web
10/06/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30281
Web
10/05/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 38109
Web
10/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19132
Web
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23836
Web
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85143
Web
10/01/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43231
Web
09/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70058
Phone
09/26/2023 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • Contacted before 8am or after 9pm
  • AZ
  • 86303
Web
09/26/2023 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • Frequent or repeated messages
  • SC
  • 29209
Web Servicemember
09/25/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28677
Web
09/22/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75085
Web
09/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06519
Web
09/18/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92587
Web Servicemember
09/14/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21217
Web
09/13/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 78745
Web
09/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90004
Web
09/09/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17603
Web
09/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 16127
Web
09/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18706
Web
09/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14215
Web
09/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85742
Web
09/01/2023 Yes
  • Debt collection
  • Rental debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MD
  • 20747
Phone
08/23/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78130
Web
08/23/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
08/21/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19132
Phone
08/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21401
Web
08/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 12305
Web
08/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78232
Web
08/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
08/14/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 16803
Web
08/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89102
Web
08/11/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02478
Web
08/10/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
08/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19702
Web
08/09/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32819
Web
08/05/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18103
Web
07/31/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • PA
  • 17512
Web
07/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34639
Web
07/24/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 75080
Web
07/24/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85741
Web
07/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44231
Phone Older American
07/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44121
Web
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19142
Web
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20640
Web
07/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75146
Web
07/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19138
Web
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01841
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28210
Web
07/05/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01002
Web
07/04/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33830
Web
07/02/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IN
  • 46131
Web
06/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85212
Web
06/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21902
Phone Servicemember
06/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19146
Web
06/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19126
Web
06/22/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27106
Web
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 10469
Web
06/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21784
Web
06/20/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11204
Web
06/20/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32246
Referral
06/16/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38141
Web
06/16/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33602
Web
06/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20784
Web
06/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01901
Web
06/14/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • SC
  • 29316
Web Servicemember
06/12/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43229
Web
06/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27332
Web
05/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11207
Web
05/30/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28170
Web
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01902
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19604
Web
05/23/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NY
  • 11417
Web
05/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44133
Web
05/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19050
Web
05/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 14120
Web
05/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75072
Web
05/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19050
Web
05/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 65801
Web
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 17110
Web
05/16/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33351
Phone
05/15/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30324
Web Servicemember
05/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30288
Web
05/12/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78130
Web
05/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02038
Web
05/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36532
Web
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 65065
Web
05/08/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94706
Web
05/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35216
Web
05/05/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 32174
Web
05/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85658
Web
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78626
Web Servicemember
05/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28127
Phone
04/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38301
Web
04/27/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33073
Web
04/21/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07840
Web
04/20/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46077
Web
04/20/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14024
Web
04/17/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30253
Web
04/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44039
Web
04/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14206
Web
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14210
Web
04/06/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33313
Web
04/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19801
Web
04/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MD
  • 21901
Web
04/03/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 322XX
Web
04/02/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30326
Web
04/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19061
Web
03/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20772
Web
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11550
Web
03/31/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33417
Web
03/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • MD
  • 21207
Web
03/18/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31206
Web
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 17036
Web
03/15/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NY
  • 11003
Web
03/13/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17110
Web
03/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72114
Web
03/09/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17110
Web
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33435
Web
03/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33309
Web
03/02/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • MD
  • 21215
Phone Older American
03/02/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23234
Web
02/28/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19148
Web
02/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • PA
  • 17110
Web
02/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80524
Web
02/22/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78363
Web
02/20/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22079
Web Servicemember
02/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20782
Web
02/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01772
Web
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33322
Web
02/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33435
Web
02/13/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02215
Web
02/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33414
Phone
02/09/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30326
Web
02/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 15217
Web
02/09/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32216
Web
02/09/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you instead of your attorney
  • GA
  • 30096
Web
02/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17057
Phone
02/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19018
Web
02/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32211
Web
02/05/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78640
Web
02/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07735
Web
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46628
Web
02/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60621
Web
02/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 15205
Web
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17055
Web
01/31/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43220
Web
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21202
Web
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32025
Web
01/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33161
Web
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11435
Web
01/17/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32245
Web
01/16/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46205
Web
01/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32114
Web
01/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70460
Web
01/13/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 17520
Web Older American
01/11/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32223
Web
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32218
Web
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 17103
Web
01/08/2023 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70072
Web
01/02/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33004
Web
12/29/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23225
Web
12/20/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 17520
Web Older American
12/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87111
Web
12/12/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33060
Web
12/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32210
Web
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19061
Web
12/06/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77095
Web
12/05/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 13440
Web
11/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60089
Web
11/23/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 17520
Web
11/15/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32827
Web
11/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19141
Web
11/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95120
Web Servicemember
11/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11236
Web
10/29/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 12590
Web
10/17/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 64153
Web
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23455
Web
09/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 03824
Web
09/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28164
Web
09/21/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33178
Web
09/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32258
Web
09/20/2022 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
  • Problem with personal statement of dispute
  • MA
  • 01826
Web Older American
09/16/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07719
Web Older American
09/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33705
Web
09/16/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 45415
Web Servicemember
09/14/2022 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
  • 33705
Web
09/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33180
Web
09/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32258
Web
09/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79934
Web
08/26/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 34747
Web
08/15/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33334
Phone
08/10/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85035
Web
08/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 72202
Web
08/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87111
Web
08/05/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01880
Web
08/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75119
Web
08/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85383
Web
07/28/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75243
Web
07/25/2022 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77021
Web
07/22/2022 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 144XX
Web
07/21/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34602
Web
07/11/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • TX
  • 76209
Web
07/09/2022 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11236
Web
07/09/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33009
Web
07/06/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80205
Web
07/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33908
Phone
06/24/2022 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
  • FL
  • 32258
Phone
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75243
Web
06/21/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33064
Web
06/20/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75243
Web
06/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32256
Web
06/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33324
Web
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MT
  • 59714
Web
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32244
Web
06/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19120
Web
06/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WV
  • 26101
Web
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11201
Web
05/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11201
Web
05/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17268
Web Older American
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
  • NY
  • 11229
Web
05/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 32210
Web
05/17/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36477
Web Older American, Servicemember
05/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30092
Web
05/01/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DC
  • 20012
Web
04/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76002
Web Servicemember
04/20/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • DE
  • 19963
Web
04/19/2022 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
  • IL
  • 60194
Web Servicemember
04/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33068
Web
04/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33068
Web
04/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 01826
Web
04/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27205
Web
04/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29180
Web
04/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02723
Web
04/01/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17011
Web
03/28/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60626
Phone
03/28/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 70816
Web
03/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85707
Web
03/22/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90405
Phone
03/16/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 12590
Web
03/15/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17701
Web
03/14/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MI
  • 48341
Web
03/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48224
Web
03/11/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 183XX
Web
03/10/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 28078
Phone Older American
03/05/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • PA
  • 185XX
Web
03/02/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37921
Web
03/01/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 34747
Web
02/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 17022
Web
02/18/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 17315
Phone
02/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
02/07/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75217
Web
02/03/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32750
Web
02/02/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14132
Web
01/24/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 17102
Web
01/19/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • GA
  • 30064
Web
01/19/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 32034
Web
01/19/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • VA
  • 20109
Web Older American
01/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02343
Web
01/13/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 32448
Web
01/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02119
Web
01/06/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30606
Web
12/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
12/13/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63945
Web
12/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07002
Web
12/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
12/08/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48238
Web
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28269
Web
12/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48217
Web
11/27/2021 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
  • 17104
Web
11/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 17019
Web
11/16/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 72764
Web
11/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 74019
Web
11/12/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32259
Web
11/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34112
Web
11/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11432
Phone Older American
10/31/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48180
Web
10/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36105
Web
10/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 33068
Web
10/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06437
Web
10/18/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02865
Web
10/14/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11233
Web
10/11/2021 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
  • GA
  • 30052
Web
10/11/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01904
Web
10/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85032
Web
09/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19120
Web
09/21/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85707
Web
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32225
Web
09/14/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22191
Web
09/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11205
Web
09/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37920
Web
08/31/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19134
Web
08/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19036
Web
08/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19036
Web
08/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 99338
Web
08/13/2021 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
  • 32073
Web
08/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32220
Web
08/04/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21061
Web
08/02/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CO
  • 80501
Web
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11233
Web
07/26/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22312
Web Older American
07/09/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14207
Web
07/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PR
  • 00605
Web
07/06/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23039
Referral
07/06/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 17872
Phone
06/21/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11233
Web
06/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22306
Web
06/11/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44127
Phone
06/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20746
Web
06/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07081
Referral
05/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02128
Web
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19462
Web
05/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17022
Web
05/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77531
Web Servicemember
05/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32301
Web
05/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32216
Web
04/28/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21133
Web
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
Phone
04/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11096
Web
04/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AK
  • 99709
Web
04/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20904
Web
04/08/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32068
Web
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11553
Web
04/01/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
03/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33426
Web
03/28/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17202
Web
03/22/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77531
Web Servicemember
03/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80910
Web
02/25/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 17104
Web
02/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10458
Web
02/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77539
Web
02/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77539
Web
02/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
02/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60628
Web
02/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60628
Web
02/01/2021 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
  • OR
  • 97223
Phone
01/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29650
Web
01/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02904
Web
01/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 52802
Web
01/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01453
Web
01/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31014
Web
01/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
01/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 63134
Web
12/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01810
Web
12/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 16101
Web
12/14/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22309
Web Servicemember
12/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32259
Web
11/20/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01453
Web
11/06/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01453
Web
11/05/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17202
Web
11/03/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01453
Web
10/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77043
Web
10/20/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01453
Web
10/19/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MI
  • 49507
Web
10/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32839
Web
10/13/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
Phone Servicemember
10/11/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32259
Web
10/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02368
Web
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20744
Web
09/25/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07871
Web
09/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33701
Web
09/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • RI
  • 02914
Web Servicemember
08/31/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89521
Web
08/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21206
Web Servicemember
08/14/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • MI
  • 49507
Phone Older American
08/05/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11096
Web
07/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 16052
Web
06/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20906
Web
06/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43026
Web
05/31/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32226
Web Servicemember
05/28/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20747
Web
05/28/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32277
Web Servicemember
05/18/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32257
Web
05/14/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • PA
  • 19462
Phone
04/27/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21117
Web
04/23/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 18301
Web
04/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33570
Web
04/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33510
Web
04/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33570
Web
04/13/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NH
  • 03079
Web
04/10/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 18222
Web
04/02/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32259
Web
03/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34613
Web
03/30/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • LA
  • 70122
Web
03/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • MA
  • 02139
Web
02/26/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63033
Web
02/13/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18327
Web
02/07/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DC
  • 20032
Web
02/03/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46202
Web
02/02/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 17055
Web
01/31/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19720
Web
01/10/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Older American, Servicemember
12/27/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85299
Web
12/23/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 40031
Web Servicemember
12/17/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 64081
Web
12/16/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 40031
Web Servicemember
12/16/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • DC
  • 20009
Web Older American
12/13/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • NJ
  • 08817
Web
12/07/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08902
Web
12/06/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • VA
  • 22942
Web
12/03/2019 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OK
  • 73052
Phone
12/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08003
Referral
10/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07093
Web
10/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33915
Web Older American
10/20/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 18058
Web
10/16/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 17055
Web
10/13/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08701
Web
09/28/2019 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32148
Web Servicemember
09/25/2019 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 211XX
Web
09/25/2019 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10306
Web
09/23/2019 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • MD
  • 20639
Phone
09/17/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DC
  • 20032
Web
09/16/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NJ
  • 08904
Web
09/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19146
Phone
09/12/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44256
Web
09/08/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33604
Web
09/02/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32207
Web Servicemember
09/02/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32207
Web Servicemember
08/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14215
Referral
08/14/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48312
Web
08/08/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 02767
Web
07/31/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93722
Web
07/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12816
Web
07/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60628
Web
07/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11572
Web
07/02/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91405
Web
07/02/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38017
Postal mail
06/29/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • 19711
Referral
06/13/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 17104
Web
06/05/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08012
Referral
06/03/2019 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone
05/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 17055
Web
05/16/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20849
Web
04/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07670
Web
04/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07750
Postal mail
04/08/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08012
Web
03/18/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
03/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 18301
Web
03/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17036
Web
03/05/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33312
Web
03/02/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75022
Web
03/01/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77573
Phone Older American
02/22/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48333
Web Servicemember
02/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48333
Web Servicemember
02/20/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48333
Web Servicemember
02/08/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29611
Web
02/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17050
Web
02/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17055
Web
01/31/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19006
Web
01/31/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19006
Web
01/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15131
Web
01/08/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07480
Postal mail
01/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32246
Web
12/21/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 15131
Web
12/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Servicemember
12/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11229
Postal mail
11/25/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11413
Web Servicemember
11/20/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19709
Web
11/14/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17078
Referral
11/12/2018 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
  • SC
  • 29681
Web
11/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11418
Web
10/24/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
10/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07002
Web
09/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
09/18/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11421
Referral
09/17/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14304
Web
09/17/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 02472
Web
09/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DC
  • 20010
Web
09/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37397
Web
08/29/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21401
Phone
08/28/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 21128
Web
08/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 17301
Web
08/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01201
Phone
08/10/2018 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
  • Investigation took more than 30 days
  • PA
  • 17078
Web
08/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 20109
Web
07/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
07/24/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PR
  • 00959
Web
07/17/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
07/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 12210
Phone
07/06/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08736
Fax
07/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08232
Fax
06/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20191
Web
06/15/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21204
Web
06/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30134
Web
06/05/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55075
Web
05/28/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20191
Web
05/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45324
Web
05/18/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19802
Web
05/14/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11102
Web
05/11/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 17225
Web
05/08/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 21221
Web
05/07/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23601
Phone
05/06/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 12590
Web
05/01/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19122
Web
04/27/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90740
Web
04/24/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06365
Web
04/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19055
Fax
04/16/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06790
Web
04/08/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • FL
  • 33431
Web
04/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32046
Web
03/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18929
Postal mail
03/05/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14224
Web
02/20/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17104
Web Servicemember
02/14/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10031
Postal mail
02/05/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89074
Web
01/26/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48178
Web
01/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 18302
Web
01/08/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17601
Web Servicemember
01/04/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20784
Web
12/28/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17522
Web Servicemember
12/20/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33675
Web
12/15/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32824
Web
12/04/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20877
Web
11/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21215
Phone
11/26/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10804
Web
11/25/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37206
Web
11/17/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92627
Web
11/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92688
Web
11/02/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80231
Fax
10/23/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94121
Web
10/13/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NV
  • 89103
Web Older American
10/03/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02302
Phone
09/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 16066
Referral
09/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78247
Web
09/12/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11203
Phone
09/11/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CT
  • 06357
Postal mail
08/30/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31833
Postal mail
08/23/2017 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11226
Phone
08/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07036
Postal mail
08/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MA
  • 02150
Web
08/18/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92203
Web
08/18/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92880
Web
08/08/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23518
Phone Servicemember
08/08/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17403
Web
08/08/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32244
Web
08/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90241
Web Servicemember
08/03/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11201
Referral
08/01/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11236
Phone
08/01/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11236
Phone
07/31/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
07/25/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
Phone
07/25/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11217
Web
07/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92677
Web
04/30/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31301
Web
04/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85225
Web
04/12/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene/profane/abusive language
  • PA
  • 19611
Web
04/06/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21701
Web
04/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95688
Postal mail
04/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02150
Web
03/14/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10475
Web Older American
03/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MA
  • 02368
Web
03/08/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11375
Postal mail
03/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • TX
  • 76101
Web
02/28/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06470
Web
02/08/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60540
Referral
02/03/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20735
Web
02/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11238
Postal mail
01/31/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 18013
Web
01/30/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32256
Web
01/23/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11693
Web
12/19/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 28262
Web Older American
12/19/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 01590
Web
12/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11375
Web
12/13/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06704
Web
12/05/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 19007
Web
12/05/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23058
Web
11/30/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11365
Phone
11/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21136
Fax
10/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23058
Web
10/18/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17353
Web
08/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MO
  • 63857
Postal mail
08/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • NY
  • 10950
Web
08/19/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 01590
Web
08/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94121
Web
07/27/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94041
Postal mail
07/15/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34209
Referral
07/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • RI
  • 02920
Postal mail
07/01/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97404
Web
06/27/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19605
Web
06/24/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11703
Web Older American
05/04/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76670
Web Older American
04/12/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18661
Web
03/24/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21661
Web
02/29/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 12801
Phone
02/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06108
Web
02/17/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02360
Web
02/03/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43147
Web Servicemember
01/16/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70808
Web
12/08/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
Phone
12/07/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43780
Postal mail Older American
12/02/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DE
  • 19802
Web
10/23/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30909
Phone Servicemember
10/19/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98907
Web
10/13/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06340
Web Older American
10/08/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17042
Web Servicemember
10/05/2015 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DE
  • 19720
Web
10/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 11210
Web
09/17/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 19020
Web
09/08/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21224
Web
09/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76710
Web Servicemember
08/25/2015 No
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11213
Phone
07/28/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30019
Web
07/21/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17070
Web
07/07/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 17501
Phone
07/07/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 96470
Web Older American
07/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32904
Web
06/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • ME
  • 04357
Phone Servicemember
06/19/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10703
Phone Older American
06/16/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02468
Web Older American
06/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11205
Web
06/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 11803
Web
05/19/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93449
Web
05/14/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11010
Web
05/12/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17003
Referral
05/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WV
  • 25071
Web
04/28/2015 Yes
  • Other financial service
  • Debt settlement
  • Advertising and marketing
  • RI
  • 02909
Phone
04/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 66103
Phone
04/24/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 14715
Web Servicemember
04/20/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 36054
Web
04/14/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11691
Web
04/10/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33189
Web
04/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75068
Web Servicemember
04/02/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17339
Web Servicemember
03/25/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19555
Web
03/22/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 11233
Web
03/16/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10014
Web
03/11/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 18324
Web
03/11/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22554
Web Servicemember
03/04/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11226
Web
03/02/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10306
Web
02/28/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45044
Web
02/28/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MT
  • 59802
Web
02/27/2015 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30741
Web Older American
02/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60647
Web
02/26/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 12603
Web
02/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84532
Web
02/23/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29621
Web
02/20/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20748
Web
02/19/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22191
Web
02/19/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17029
Web
02/11/2015 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20746
Phone
02/10/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17070
Web
02/06/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11104
Web
02/05/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22172
Web
02/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 71301
Web
02/03/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17976
Web
02/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VT
  • 05478
Web
02/03/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18088
Web
02/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11433
Web
01/24/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • CT
  • 06234
Web
01/23/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 10579
Web
01/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17601
Postal mail
01/22/2015 No
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32222
Web
01/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29690
Web
01/07/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85032
Web
01/06/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06063
Web
01/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 47715
Web
12/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76017
Phone
12/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85226
Referral
12/20/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11754
Web
12/12/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95210
Web
12/04/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08865
Web Older American
12/03/2014 No
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78623
Web Servicemember
12/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 47265
Web Servicemember
11/24/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • MD
  • 21144
Web
11/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 34108
Web Older American, Servicemember
11/20/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32224
Web
11/19/2014 No
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 32796
Web
11/18/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32707
Web
11/14/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30281
Web
11/08/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 17319
Web
11/04/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90230
Web
11/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89074
Postal mail
10/30/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11233
Web
10/29/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08852
Web
10/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 92555
Web
10/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07088
Referral
10/21/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17019
Web
10/21/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NY
  • 11101
Web
10/21/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77336
Phone Servicemember
10/20/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22407
Web
10/15/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • SC
  • 29732
Web
10/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70122
Web Servicemember
10/07/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06042
Web
10/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20910
Web
10/03/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20905
Postal mail Older American
10/02/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14580
Web
10/01/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11413
Web
09/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • PA
  • 19135
Web
09/24/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 93291
Web
09/22/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32807
Web
09/12/2014 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MD
  • 21206
Web
09/11/2014 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 45424
Web
09/10/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • FL
  • 33446
Web
09/07/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 13090
Web
09/06/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17201
Web
09/05/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18966
Web
09/03/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22546
Web
08/29/2014 No
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11433
Web
08/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MO
  • 63841
Web
08/28/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 17356
Web
08/27/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 16504
Web Older American
08/24/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19555
Web
08/23/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78109
Web
08/23/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 95124
Web
08/23/2014 No
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19605
Web
08/22/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92101
Web
08/21/2014 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14224
Web Servicemember
08/21/2014 No
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • PA
  • 16335
Web
08/16/2014 No
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32803
Web
08/13/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11746
Web
08/11/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33610
Web
08/07/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20707
Web
08/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85015
Web
08/06/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75110
Web
07/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37620
Web
07/22/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 18704
Web
07/22/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • PA
  • 17263
Web
07/22/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85138
Web
07/21/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17315
Web
07/16/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19147
Web
07/15/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06883
Web Older American
07/10/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene/profane/abusive language
  • NY
  • 10309
Web Servicemember
07/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98002
Referral
07/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • MA
  • 02563
Web
06/30/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46123
Web
06/26/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32097
Web
06/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 14450
Web
06/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 20155
Web
06/18/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21009
Web
06/18/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33309
Web
06/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • PA
  • 19606
Web
06/17/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44514
Web
06/13/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11207
Web
06/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 19128
Postal mail
06/12/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80013
Web
06/12/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11209
Web
06/12/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17901
Postal mail
06/10/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08505
Web
06/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91910
Phone
06/04/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17243
Postal mail
05/28/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 19601
Web
05/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NH
  • 03867
Postal mail
05/16/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MA
  • 02494
Web
05/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 01516
Web
05/13/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 18403
Web
05/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45371
Web
05/13/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92040
Web Older American, Servicemember
05/07/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11207
Referral
05/06/2014 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • PA
  • 17352
Web
05/05/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17352
Web
04/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17352
Web
04/29/2014 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • PA
  • 17352
Web
04/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60440
Referral
04/29/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17352
Web
04/29/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17352
Web
04/28/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44094
Web
04/23/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07740
Web
04/22/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19106
Web Older American
04/18/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11423
Web
04/17/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78109
Web
04/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 17402
Web
04/15/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WV
  • 25832
Web
04/12/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • PA
  • 19403
Web
04/09/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11566
Web
04/08/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene/profane/abusive language
  • FL
  • 32063
Web Older American
04/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • CA
  • 92691
Web
04/02/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17233
Web
04/02/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 15024
Web
04/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33186
Web
03/27/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07002
Web Servicemember
03/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11557
Web
03/18/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • HI
  • 96817
Web
03/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 01834
Web
03/16/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 17324
Web
03/14/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98507
Web
03/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34232
Referral
03/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • HI
  • 96778
Web
02/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • KY
  • 41180
Web
02/26/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NJ
  • 08879
Web
02/24/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 10952
Web
02/22/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77079
Web
02/19/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • OH
  • 43055
Web
02/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 12106
Web Older American
02/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 15216
Web
02/01/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
Phone Older American
01/31/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WV
  • 26003
Phone Older American
01/29/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02062
Web Older American, Servicemember
01/28/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19136
Web
01/24/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 14489
Web
01/21/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 17353
Web
01/21/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27526
Web
01/14/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10305
Web
01/13/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ME
  • 04071
Web
12/27/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TN
  • 38138
Web
12/20/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 99156
Web
12/18/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • AL
  • 35206
Web Older American
12/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 10023
Web Older American
12/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30907
Web Older American
12/11/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11207
Phone
12/10/2013 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MN
  • 55458
Web
12/09/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PR
  • 00921
Web
12/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11757
Web
12/05/2013 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • PA
  • 17013
Web
12/03/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32953
Web
12/02/2013 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 18052
Web
11/26/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84020
Phone
11/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48178
Phone Older American
11/17/2013 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • PA
  • 16662
Web Older American
11/12/2013 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 06112
Phone
11/05/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 15133
Web
11/04/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11418
Web
11/04/2013 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated committed crime not paying
  • RI
  • 02892
Web
10/31/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19365
Web
10/30/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17737
Referral
10/29/2013 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 32226
Web
10/15/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11106
Web
10/14/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11106
Web
10/12/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 16662
Web Older American
10/08/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91403
Web
10/07/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07631
Referral Older American
10/07/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11756
Web
09/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 11566
Web
09/21/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11801
Web Older American
09/06/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21146
Referral
08/28/2013 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IA
  • 52404
Referral
08/16/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21208
Web Older American
08/09/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 15001
Phone
08/05/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DC
  • 20012
Web Older American
08/05/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06457
Web
07/31/2013 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Personal information
  • NY
  • 11233
Web
07/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20147
Web