Oliver Adjustment Co. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
 Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX Legal Department , I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
05/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60462
 Web
Received a letter in XX/XX/XXXX that a medical bill was given to OAC Collection Specialists ( XXXX, WI ). On XX/XX/XXXX, I made an online payment of {$27.00} in an effort to pay down the debt which was {$270.00}. On XX/XX/XXXX, I scheduled a payment plan and agreed to have a monthly payment taken from my checking account every month on the XXXX until the debt was paid off. The reason why I could not pay this medical bill is because I had over {$12000.00} in medical bills from XX/XX/XXXX through XX/XX/XXXX - the result of two surgeries and rehabiliatation costs from the surgeries. During this time, my 20 year career in the XXXX XXXX was eliminated due to Covid. I was trying desperately to make ends meet. The payments were made automatically in XXXX, XXXX and XXXX and I also have the next one scheduled for tomorrow, XX/XX/XXXX. On XX/XX/XXXX, I reeceived a credit card notification that I had a change in my credit score. My score was lowered by 30 points. When I researched why this would have happened, I saw that OAC Collection Specialists reported my account as " delinquent '' even though I had a scheduled payment planned arranged and had been faithfully paying this since setting up the plan. When I called and finally spoke to a XXXX XXXX, she said that they could report that this debt is owed until it is paid in full. None of the documents that I printed out with the payment plan confirmation pages state that the agency will report negatively to the credit bureau REGARDLESS if you are currently making payments - the purpose of creating this plan was to, in good faith, pay this debt. This is a deceiving scheme that is now impacting my ability to obtain full-time employment and to re-finance my home mortgage - over a medical bill. Companies that I have applied to require you to agree to a background check and credit check. I now have a negative mark on my credit report that the company will not remove. As a matter of fact, to add to insult, Ms. XXXX stated " well, this debt is from XX/XX/XXXX, it isn't like it was new. '' Ms. XXXX is lucky to be a healthy, able-bodied individual that is gainfully employed. It is unforunate that her origanization preys on people that can not afford to pay their medical bills in one lump sum. If I was told that my payment plan meant nothing, than I would have borrowed money from a relative or friend so that I could afford to pay this so it does not impact my credit and my ability to refiniance and to find full-time employment. I asked Ms. XXXX where it states that she would report to the credit bureaus even with a payment plan and place and she said that she does not have that on the letter sent to me or the payment plan confirmation page. This is wrong - it is deceiving, it is unethical, it is abusive and I need help removing this from my credit report.
03/11/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78665
 Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this 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} million 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 XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
03/15/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 531XX
 Web
I received a notice from Oliver Adjustment Company , Inc that I owed a XXXX XXXX XXXX SC {$15.00}. I have never been to this location, I have never had an appointment there, I have looked through all of my appointments on my health care app and none are tied to this company. Oliver Adjustment Company states on their website that they are for " healthcare professionals '' and " pro fee healthcare collection specialists, '' but do not at all appear to be legitimate or professional. Their statement says they are located in the state, but their website domain ( .bz ) looks to be from another country and the site itself does not feel secure or professional. Plus the po box they want me to send payment to is on the other side of the state compared to their office locations if you XXXX the company. I tried to call to dispute my claim during their regular business hours, and they would not answer the call. The call booted me off and asked for a voicemail with more than 30minutes left to go for their business day, after having waited to speak with a representative. Their only other options to dispute is to pay to send a letter back, or use their website which authorizes them to use my information that I give them freely. If Oliver Adjustment Company was a legitimate business, then I would assume they would help collect for other reputable businesses. Instead, they claim people have debt for companies like XXXXXXXX XXXX XXXX whose reviews are riddled with the same issue I have ; illegitimate billing practices for procedures that were never rendered or were already paid for. The original bill was supposedly from XX/XX/2022. I have no appointments during that time period. All of my healthcare procedures for the year of XXXX were paid for. My healthcare app states all of my bills were paid, and my health insurance also has the matching information including my out of pocket maximum being reached so at the very least, if they were a third party, XXXX XXXXXXXX XXXXXXXX would have had to bill my insurance or the healthcare provider that asked for their services because I have already paid for all of my services. I have received no bills or late charges for any of my medical procedures. My credit report does not state that I have any accounts with XXXX XXXXXXXX XXXX I invite you to look into either company and their reviews and see how many claims are made against them for being fraudulent or harassing for debt that should not exist whether because it was paid or because the procedure never happened.
04/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32608
 Web
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1987 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious OLIVER ADJUS XXXX OLIVER ADJUS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
06/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34472
 Web
TODAYS DATE : XX/XX/XXXX OLIVER ADJUS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious OLIVER ADJUS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXX/XX/XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX FL XXXX
10/07/2020 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
  • VA
  • 22191
 Web
I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX of XXXX XXXX, XXXX you said you verified the accounts : 1 ) XXXX ( XXXX XXXX ) XXXX ) XXXX ( XXXX. OF XXXX XXXX XXXX This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ). 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. The following on the letters needs to verified : 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 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.
05/22/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33544
 Web
XXXX XXXX XXXX XXXX called OAC. I disputed these on XXXX XXXX, they were removed, and then put back up again numerous times. How many times do I have to keep disputing them. I have XXXX and XXXX, my insurance XXXX covers the remaining balance on everything, so if it's going to collections, it's because they're not doing their jobs and billing XXXX. They have all my proper information, and I even confirmed it with their billing department over the phone. I finally got my credit to a good number, and these XXXX keeps billing me these charges that insurance has paid for already, and there should be a log of that. Isn't it illegal to do this to someone's credit? We're in 2021 now, I am on XXXX and have been for XXXX years.. I collect XXXX, and don't work, I make about {$500.00} a month, isn't there some sort of relief out there? We shouldn't even be having this conversation, because these were already paid off by insurance. Some of these date back to XXXX how is this possible? Recently I reached out to the company on their site, but got no reply back, which I honestly wasn't expecting one. OAC seems to do this to a lot of people from what I've read in XXXX them for their last cent, and going after people who actually can't afford it.. harassing them. I don't have anything that says they were paid for, unfortunately, but my insurance should have that.. most of it is done digitally now. I think the problem is that XXXX XXXX did not bill my XXXX, instead billed me, even though I told them to bill insurance, they cover whatever XXXX doesn't, and that's why it's in collections. However, I told collections this, and they are not doing their job either in getting the money from insurance.. I'm sure you understand what I'm saying. So I can't have documentation of something when people aren't doing their jobs and billing the right people.
11/03/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33617
 Web
I spoke with XXXX at this company back on XX/XX/XXXX around XXXX regarding a medical bill in the amount of {$390.00} for my son. After speaking with XXXX, she advised me that she will reach out to XXXX regarding submitting the claim to be paid and she also advised me that she will submit the information to the insurance and that I should follow back up in 30 days regarding the status. I followed up and was advised that they have not received a response yet. After a couple of months I received another letter on XX/XX/XXXX from OAC which is the collection agency again regarding the bill. I then reach back out to the collection agency OAC trying to get the status on the claim and was advised by a representative that the claim had not been submitted to medicaid and that they would submit it. I have been reaching out to this company for almost a year offering my assistance in anyway possible while they kept informing me that they were submitting the bill to medicaid and come to find out, they never did. I 've been misled as well as lied to for months and all I asked of the staff at OAC was to submit the claim to XXXX so that they could pay it before the timeframe expired which was a year from the date of service which was XX/XX/XXXX. When I spoke with the supervisor XXXX on XX/XX/XXXX I expressed how dissatisfied I was with how the staff handled my account and he did not seem to care nor did he try to offer a resolution. The way the office handled my file was unjust and as a result of their negligence regarding submitting my claim to XXXX in a timely manner, XXXX will not pat the claim because a year has passed from the date of service. the names of the other individuals I spoke to in that office were : XXXX, XXXX, and XXXX.
10/25/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30223
 Web
I WROTE AND NOTIFIED THE XXXX AND I ALSO NOTIFIED THE JUNK DEBT BUYERS 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
08/07/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62704
 Web
I received several letters in the mail inquiring on medical debt owed. There was not enough information on the statements verifying that these were accurate. Attached are the reference numbers and amounts owed with dates. I started a new job on XX/XX/XXXX and there was a lapse in my insurance. I found out I was XXXX and got several XXXXXXXX XXXX done, but those were paid. I had to get emergency XXXX on XX/XX/XXXX and I believe the {$510.00} bill is part of that but I am set up with an automatic debit of {$44.00} for that. I also have a {$7000.00} bill through XXXX XXXX for the remaining costs of the XXXX and am set up with an automated debit of $ XXXX. . Reference XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( I was fully covered under my insurance through XXXX in XX/XX/XXXX ). Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$24.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$33.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} ( If this is through XXXX I have applied for the financial assistance program through the XXXX XXXX and they agreed to pay 60 % of the bill. An automated debit comes out of my account on the XXXX of every month for {$44.00} ).
10/30/2022 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
  • GA
  • 30223
 Web
15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
06/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • TN
  • 383XX
 Web
In XX/XX/XXXX, my insurance claims were filed for services by XXXX XXXX that took place on XX/XX/XXXX. I received my first bill from XXXX XXXX In XX/XX/XXXX which was dated XX/XX/XXXX. In late XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from the collection agency OAC about the bill. I placed a call to them in XXXX and informed them that I was aware of the debt and according to the FCRA, I had 180 days to allot time to ensure my health insurance processed the claim. I had XXXX earlier in the year and this bill should have been paid in full because the XXXX alone met my deductible. In addition, I informed the collection agency that I was in the process of filing for Chapter XXXX bankruptcy. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The Bankruptcy Court through my attorney notified the original creditor, XXXX XXXX on XX/XX/XXXX of my Chapter XXXX filing ( this was a little over 4 months after I received my first bill from the original creditor ). My bankruptcy was discharged in XX/XX/XXXX. On XX/XX/XXXX, the collection agency OAC unfairly added two collection accounts to my XXXX credit report for the first time ever. The collections are being added literally 7 months after the accounts were paid the bankruptcy protection. This is an unfair and deceptive tactic by OAC to ruin my credit rating. The accounts show on my credit file as closed paid accounts and included in bankruptcy. They appear as if they were on there the entire time, but were just added last week on XX/XX/XXXX.
04/23/2019 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
  • IL
  • 60643
 Web
I requested that OAC send me validation that the debt they are falsely reporting to the CB 's belongs to me pursuant to the FDCPA 's act section 809 on XX/XX/2019. OAC sent me back a letter simply stating that they verified the debt to be mine. None of the original information, for which I will attach, was given or forthcoming. On XX/XX/2019 I sent OAC another request asking that they validate the debt for which they said I owed. I also requested that OAC provide their method of verification, and HIPAA authorization. As of XX/XX/2019, OAC has failed to provide me with any information that this debt belongs to me pursuant to the FDCPA laws for which they are in direct violation of! I have asked for complete, and original bills and statements detailing what procedures or services were brought, and have not been given this, I have asked for the payment history and reporting dates and have not been given this, I have asked for the method of verification and have not been given this, HIPAA contracts etc- along with several other documents. OAC has failed to respond to my request. Due to their unresponsiveness in a timely manner I am requesting that this debt be deleted from my credit report or I WILL file an injunction in the XX/XX/XXXX of XX/XX/XXXX County against them.
01/25/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60637
 Web
After noticing OLIVER ADJUSTMENT COMPANY on my consumer report I contacted them and asked for validation of this alleged debt. When my request went unheard I contact the CFPB because they refused to give me the information I requested and I now see why. I received in the mail the alleged itemized statement showing literally nothing but a falsified piece of paper. There wasn't a contract I requested that shows my wet ink signature and agreement with the original creditor or with OLIVER ADJUSTMENT COMPANY, nor was there any description of services they alleged I received, just medical procedures including blood count, troponin and lipase which I have no idea what they mean or how they validate this debt to be mine. My social security number thats attached to my consumer reports isn't even on here which further proves they are just trying to falsify this information. Furthermore my address is copy and pasted onto this false statement & I wasn't even living at the address they have on the statement when they say this debt occurred on XX/XX/2019! I am demanding for the last and final time that this debt be prematurely closed, stop reporting to any third parties, and removed from all of my credit reports because now this is becoming intrusive and premeditated.
10/25/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 53051
 Web
Good day, I am filing a complaint against Oac, XXXX XXXX XXXX, and XXXX. I received a derogatory remark on my credit of owing {$88.00} and this has put me in collections with OAC. I absolutely have no idea of the debt owed to XXXX XXXX. My credit report can show that I have never owed a single debt, not even a delay in payment one time. I put all my accounts on autopay and I believe I have paid off whatever balance I have. I never got any notification or reminder to inform me of any balance pending. I do not even have any idea of where the debt payment needs to go. I need this resolved please as this is very unfair that all these years I worked to have a clean credit report an unknown debt I have no knowledge of will be added to my credit report with no prior knowledge. In summary, I strongly believe I do not owe {$88.00} as all my accounts are set up to autopay and I never received any notification of this debt. Not even one. Please advise. I do not have any receipts as I believe whatever was owed was paid through a portal they sent to me. I do not remember the portal or have access to it anymore. WHY WOULD THEY SEND MY ACCOUNT TO COLLECTION WITHOUT PRIOR NOTIFICATION? NO LETTERS, NO CALLS, NO EMAILS. NOTHING!
09/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48823
 Web
Several months ago, I received a bill from XXXX XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX allegedly performed on XX/XX/21. I wasnt in XXXX XXXX on XX/XX/21. I found information online but no website. I eventually found out that XXXX performed XXXX for a local hospital. XXXX phone had been disconnected. I called the phone number on the bill. They refused to supply information unless I gave my SSN or DOB. I refused. I did inform them that they had the wrong XXXX XXXX XXXX. No further progress could be made. Several months later, I received another bill. I ignored it. Today, XX/XX/21, I received a bill from what purports to be Oliver Adjustment Co , XXXX, which claims to be a collection agency. I called the phone number on the bill, XXXX, and spoke to a woman who identified herself as XXXX XXXX. Her name is also on the bill. She refused to provide any information without an SSN or DOB. I refused. I then spoke to a person who identified herself as XXXX. She refused to give me her full name, claiming she was legally prevented from doing so unless I gave my SSN or DOB. I informed them that they had the wrong person, but they refused to proceed unless and until I had provided them with my SSN or DOB. They hung up.
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60620
 Web
OAC has been inaccurately reporting a paid off service on my credit report, and furnishing this information to credit bureaus since XXXX of 2019. I informed OAC that this information was incorrect, and asked them to verify with XXXX XXXX XXXX, the original creditor, that the information that they were reporting was accurate. The original service was paid by IDPH through XXXX insurance at the time of service. Attached is proof of coverage that was also sent to OAC. This information can, and should be verified by OAC as they have a legal obligation to do so in order to validate the debt. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
11/27/2017 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
  • 33612
 Web
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$150.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). I sent a follow up letter informing them that they are in violation of HIPPA and stated that I would file a legal complaint unless they removed this from my credit report. I have yet to hear back from them
02/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 480XX
 Web
Follow up with complaint XXXX Is regarding account # XXXX, which you claim Such as I owe $ XXXX.They put negative marks on my credit reports ( including XXXX, XXXX and XXXX ) . Without verification of my signature or have enter any agreement with OLIVER ADJUSTMENT COMPANY INC. OLIVER ADJUSTMENT COMPANY INC Stated : " We have disputed the account per the consumers request and will follow up with our client and send out Validation of the debt. ". Which means OLIVER ADJUSTMENT COMPANY INC, does not have my signature or any contract or arrangement. Which is a violation of my rights under. The Fair Debt Collection Practices Act. I do not know who you are. I have never been to your office or even where you are located. This is damaging to me and my family. I having a hard time at my job focusing.because of the XXXX dealing with this problem that is not mine. I'm having XXXX XXXX. Which I'm going to the doctors today.It is stopping me from refinance my house. So, I can make an addition on house for my sons needs.My son is XXXX and need special commendation.
03/31/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95307
 Web
I sent OLIVER ADJUSTMENT COMPANY a letter to validate the debt I supposedly owed them. They received it certified mail with return receipt on XX/XX/2022. I asked proof that the statue of limitations hasn't expired and how they calculated the interest and fees, proof they own this debt and original documents bearing my signature On XX/XX/2022 I received a letter from Oliver Adjustment Company and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my procedures, diagnosis codes and a lot of other XXXXrotected Health Information. I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. They even send me extra balances on other PHI on procedures that not even being reported on my credit report. I sent a violation of XXXX letter and it was signed for and received on XXXXThey have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.
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
  • 338XX
 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. Convergent Account # XXXX XXXXXXXX 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 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 XXXXXXXX XXXX 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.
09/19/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • XXXXX
 Web
Healthcare provider is attempting to collect an amount from me that has already been paid by my insurance company. The amount billed conflicts with the Explanation of Benefits. I contacted the Healthcare Provider who said to ignore invoice until they have researched the issue, however, the Provider turned it over to a collection agency without further notice to me. The Provider billed {$85.00}, the Explanation of Benefits confirms that the Insurance Co. paid {$57.00}, disallowed {$27.00}, and my responsibility for the charges is {$8.00}. However, the Provider billed the entire {$85.00}, in affect trying to collected from me the {$57.00} already paid by the insurance and the {$27.00} above the negotiated amount. Finally, I have no agreement with these people to pay anything, however, I'm willing to pay my portion of {$8.00}, if billed properly. My Doctor used this XXXX without informing me or asking me what pathologist I would be agreeable to.
08/10/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 507XX
 Web
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. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. 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 account on my credit report. This has caused me to suffer and its defamation of my character.
12/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60637
 Web
OAC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with OAC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me XXXX XXXX XXXX XXXX due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
03/23/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53132
 Web
This is the second time within two months that I have received notices from a collection agency for medical bills for XXXX XXXX XXXX. In both cases I was never billed by XXXX XXXX XXXX for their services. I replied to the first notice and paid the amount owed. In my reply I suggested that XXXX XXXX XXXX amend their billing process to ensure the customer was billed and provide a second notice before submitting to a collection agency. My advice was ignored and I have now received a second bill with the same circumstances. The practice by XXXX XXXX XXXX of failing to bill the customer and sending the bill to a collection agency is unfair. I am now very concerned that my credit rating may be adversely affected for a bill I never received. This practice by XXXX XXXX XXXX must be stopped. It is not only unfair but a complete waste of time and resources by both parties.
07/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 381XX
 Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/04/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60077
 Web
they sent a debt collection notice in 2015 and I sent them a request for validation all I got from them was a print out name and address and some lab work report that I don't even know for what was that plus that print out didn't even looked legit, I did a search on that turned out to be out of state service that I never received, contacted them for lab documents and blood test or anything that shows they belong to me never heard from them. they hurt my credit and I wasn't even able to get a home loan because of that. now 6 years later its still there so I decided to make some effort and pay the {$660.00} out of pocket for something that doesn't belong to me and sent them a letter for full payment in return to get that removed from my credit report yet never heard back from them.
01/04/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53210
 Web
This is a old debt from XXXX SC and is now handled by XXXX XXXX XXXX ( collection agency ). The medical company XXXX SC will not provide a itemized bill, or state anything more than XXXX XXXX. This was from an emergency visit some years ago. The hospital bill was paid via insurance leaving a remainder that was paid by me. My out of pocket expense, that was paid by me, was just over XXXX for the visit in total. I was told by the hospital that the bill was complete and i should not of received any additional billing. XXXX has ignored my requests which have been via phone call and letter. I have no problem paying a bill, if i know what it is for. XXXX SC refuses to say what this XXXX and some odd dollare bill was for in regards to the visit.
08/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53208
 Web
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
01/23/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60707
 Web
A COLLECTION WAS PUT ON MY CREDIT REPORT : 1. I NEVER RECEIVED ANY NOTIFICATION VIA PHONE OR MAIL THAT THE DEBT WAS DUE OR VALID. I STILL HAVE NO INFORMATION WHAT IT IS FOR OR WHEN SERVICES WERE RENDERED. 2.THIS ERRONEOUS COLLECTION ITEM CAUSED MY REFINANCE RATE TO INCREASE WHICH I NO LONGER COULD CLOSE. HERE IS THE INFO THAT IS REPORTING OAC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Original Creditor : XXXX ( Medical/Health Care ) Balance : {$190.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$190.00} Past Due : & gt ; {$190.00} & lt ; P
11/28/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 604XX
 Web
the company named, Oliver adjustment company is claiming i owe them {$520.00}, FOR A MEDICAL BILL, i have never did business with this company or owe them anything, i sent them letters on XXXX XXXX, and also on XXXX, i demanded that the validation i request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, i am requesting competent evidence that i had some contractual obligation in relation to this bill.i sent them letters by certified mail on both days and so far received no response, this debt shows on my XXXX credit report as a collection, im requesting this be removed from my credit report.
04/15/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WI
  • XXXXX
 Web
Oliver adjustment company is taking to collect a set of {$1700.00} and {$670.00}, I do not know what this is for or from what original company. I want to note that under the doctrine of estoppel by silence, Englehardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. I have disputed with the credit bureaus multiple occasions. I am requesting proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mines
04/01/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 535XX
 Web
Hi, I have a service by XXXX XXXX XXXX for an amount of {$840.00}. I have given the clinic my insurance card at the time, which was XXXX-student resources XXXX XXXX, XXXX, Texas XXXX. The clinic has never sent the bill to my insurance, instead they have sent it to the wrong insurance XXXX address in XXXX XXXXXXXX XXXX, Georgia, which is a completely different entities. They have made the mistake, and I should not be penalize for this. I have talked to all parties involved, including OAC XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX ) XXXX. I explained the situation to them, still refused to take the charge out of my account and continue to hurt my credit. Thanks XXXX
05/29/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32301
 Web Servicemember
Correspondence was sent to OAC o n XXXX / XXXX / 2016 inquiring about a {$350.00} medical debt reported to XXXX , XXXX & XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. I believe that this debt is not mine and the fact tha t OAC has never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for OAC to continu e reporting this debt.
03/28/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32246
 Web
XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX
08/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90630
 Web
At end of XX/XX/2022 have received a debt collection notice from Oliver Adjustment Company, for services I had at XXXX XXXX XXXX XXXX XXXX... I did not receive any direct bill/invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I assumed/expect my insurance payed in full. When I received debt collection, I drove over to XXXX to inquire. Seems their offices are closed down. There was a number on the window to call : XXXX XXXX XXXX ... I call this number but there is no answer. I should not have to take my time to correct what is going on, and potentially have my credit rating damaged. Please investigate.
04/04/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 53220
 Web Servicemember
OAC was contacted by XXXX Credit Reporting regarding a dispute I filed and indicated to XXXX that the debt was still active. OAC has placed a debt on my credit report in error and sent me a letter indicating their error. This debt was sent to OAC collections in error by XXXX XXXX XXXX. TransUnion will not remove this debt from my credit report because OAC provided the false statement that this debt is still active. I have attached the letter I received from OAC indicating their error and false statement indicating they have sent notification to the credit bureaus requesting they delete this item.
12/15/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 21015
 Web
I have attached the collection notice that Oliver Adjustments Co , Inc. sent to me yesterday. It is apparent by the address on the collection notice that all original bills were sent to the incorrect address as XXXX XXXX XXXX is not my address and there is no XXXX XXXX in our entire county. I tried to discuss this issue with the original doctor 's office, but they refused to speak with me and Oliver Adjustment Co , Inc. has threatened to ruin my credit if this incorrect notice is not paid immediately even though all correspondence was sent to an incorrect address.
05/01/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30224
 Web Servicemember
Oliver Adjustment company has added an unpaid bill to my account that should not be on my credit account. I am 100 % XXXX and all my appointments go through the Veteran Affairs clinic. This was an outsourced appointment through the VA 's " Community Cares '' program.The original creditor is XXXX XXXX of Illinois. They should not have charged me, billed me, nor should they have sold this credit to Oliver Adjustment Company. I would that this item be taken off of my credit as well as serve both companies with penalties for selling my medical information for profit.
02/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • IL
  • 60014
 Web
On XX/XX/XXXX I contacted OAC in XXXX Wisconsin for a debt placed on my XXXX report for {$59.00}. The debt was placed on XX/XX/2016. The collector told me that the payment will be reported to XXXX and the debt will be removed within XXXX business days. Today, XX/XX/XXXX at XXXX pm, I called OAC to ask them if the removal request was sent. XXXX at OAC told me that it can take up to 120 days. I felt duped and felt like they lie to me. They have no intention to remove it. At least I would like the company to update my report that the debt has at least been paid.
07/04/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60636
 Web
Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with XXXX , XXXX , & XXXX credit reporting agencies. I requested verification 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.
06/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60628
 Web
OAC # XXXX {$220.00}. OAC # XXXX {$530.00} I believe these are medical bills. I sent several disputes to this company and made several other attempts to clear this debt that is in my name. I have and I had medical insurance and I also have Medicare Part A and Part B. This is not my debt. I have been trying to clear this for years which is holding me back and causing me much pain and suffering for years. Please help so I can clear this debt from my name and raise my credit score accordingly. Thank you
08/23/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48219
 Web
I received an alert on XXXX XXXX that I had a collection account on my XXXX, XXXX, and XXXX credit report. The company is called OAC and the amount is {$170.00}. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
05/06/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 44136
 Web Servicemember
XX/XX/2021 OAC XXXX placed a collection incident on my credit report in the amount of {$95.00}. I never received any invoice for any medical bill for {$95.00}. The address and phone number given to my credit reporting company ( XXXX ) is : Directory : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. As a result, my credit took a hit which is especially damning when you are getting a pre-approval for a home! This company should face consequences. They did not respond to a phone call.
01/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53219
 Web
I sent a letter to OAC Collection Specialist dated on XX/XX/XXXX XXXX XXXXfor an amount of {$310.00}. I ask them to verify and send me a breakdown of fees. In addition, to provide me a copy of my signature with the provider of service to release my medical information. This is an error on their behalf. I am disputing this to the Credit Bureaus as not been verified. This bill does not belong to me and I am requesting for proof of this bill.
03/16/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53172
 Web Servicemember
I contacted XXXX XXXX XXXX In XXXX, WI to figure out why they are populating on my XXXX XXXX all but, no other credit reporting agency with no response. Email was sent out and a Voicemail was left. I contacted the XXXX that reported it and they confirmed they do NOT have any out standing debt or collections out for me. I attempted to reach numerous parties with no response. I am not seeking the next level of action.
01/31/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53217
 Web
OAC COLLECTIONS IS REPORTING DEROGATORY INFORMATION TO MY CONSUMER CREDIT REPORT : Attempts to collect debt not owed. Debt is not mines. OAC Collection Specialists, Inc. ( OAC ) is a third-party collection agency based in Wisconsin. OAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed.
05/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62521
 Web
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
06/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 532XX
 Web
Dos of this XXXX appointment was from 2015 and has been previously attempted to be placed on my credit. This bill was paid by Medicaid I was not working at the time of service. Medicaid patients can not be charged with the balance of a medical bill its illegal at least in WI it is. This should be removed from my credit report immediately. I attempted to contact the collectors and they refused to remove it.
05/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 60616
 Web
Oliver Adjustment Company, This company is reporting to the credit bureau {$1900.00}. I have insurance during that service but did not send the bill to my insurance. But they billed me instead. I have called my insurance company and ask them if this company ever filled a claim they said they have never recieved anything from this company but they are billing me and reporting it with the credit bureau.
07/28/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53225
 Web
I am requesting that the dept. of {$280.00} is removed off my XXXX account. I would please like to have it removed I am working o my credit and would soon like to purchase my first house! with this dept. being from the original creditor XXXX XXXX XXXX SC opened XXXX XXXX 2017 making this XXXX XXXX XXXX. I am asking please remove this account from my credit report so I can get closer to my goals.
02/11/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 507XX
 Web
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with OLIVER ADJUSTMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
06/15/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22306
 Web
This is NOT my debt. This is extortion. Why is this appearing in XX/XX/XXXX for the 1st time but opened in XX/XX/XXXX? It's extortion to get me to pay something not mines to make it go away. I have always had great medical benefits. I have never received a bill because it is not mine!. This appear on my XXXX XXXX report via XXXX as of XX/XX/XXXX but for XX/XX/XXXX. WRONG PERSON
01/23/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60623
 Web
I sent a debt validation letter on XX/XX/2020 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
05/18/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 480XX
 Web
I was covered by state insurance -XXXX XXXXXXXX XXXX They refuse to rebill, it should be paid in full by insurance. I never received a bill or statement saying I owe them money or I would have called them right away to find out what is going on. Found it on my credit report and disputed it. They said that this was an accurate account. The credit report say I owe them XXXX.
02/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60634
 Web Servicemember
In XXXX of 2019 XXXX XXXX XXXX XXXX placed a collection of {$85.00} on my account, that is now owned by OAC and being reported negatively on my consumer report. I was living in XXXX, CA at this time and nowhere near XXXX. which this medical bill is for. I have always received my care at XXXX facilities. I have no knowledge of this account and no way of verifying.
12/31/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60614
 Web
I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place.
02/16/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 53913
 Web Servicemember
I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
05/08/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • XXXXX
 Web
XXXX XXXXthat is what is owe on my credit report .But when I called to settle they stated I owe more for several account. But I don't anything because the services for this was covered through medical needy insurance.I submitted all the documents and ask them to take it off my credit report not as paid, but taken off completely. Because it been paid
09/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 601XX
 Web
Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
12/11/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 336XX
 Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
10/18/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60108
 Web
Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
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
  • WI
  • 53186
 Web
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX 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
04/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35806
 Web
Oliver adjustment company at XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notice in {$530.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
12/29/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53212
 Web
XXXX XXXX XXXX XXXX {$800.00} XX/XX/2019, CREDITOR XXXX XXXX, OLIVER ADJUSTMENT COMPANY XXXX XXXX,, {$760.00} XXXX XXXX,,, {$150.00}., CREDITOR XXXX XXXXXXXX XXXX SC NOT UNDERSTANDING HOW THIS MAY HAVE OCCURED.IAM AXXXX YR OD FEMALE THAT HAS GOTTEN MEDICAL ASSIS FROM THE STATE.
09/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 705XX
 Web
A correspondence was mailed in regards to a alleged debt of {$80.00}. This company violated multiple laws : Violations : 1. 15 USC 169 2e ( 2a ) was done by reporting a positive amount of alleged debt owed. 2. 15 USC 169 ( 3 ) was done by printing the logo on top of the page.
10/23/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 337XX
 Web
OAC reported two separate medical bills on my credit report 1. ) In the amount of {$50.00} from XX/XX/2016 2. ) In the amount of {$120.00} from XX/XX/2016. OAC tis trying to collect a debt they brought and is not licened or bonded to collect debts in the state of Florida.
10/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53214
 Web
I received a debt collection statement from Oliver Adjustment Company Inc for XXXX XXXX XXXXXXXX XXXX account # XXXX. The amount owed is {$50.00} and I have no clue what this is for. I never worked with this company or was involved with them to my knowledge.
04/14/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 53216
 Web
When I called the number for this creditor they said they weren't aware of I XXXX XXXX and I don't have an account with them so unfortunately I don't know what else to do. This creditor is unknown and I never owed this company well so ever.
04/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53213
 Web
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$400.00} XX/XX/2019 I DO NOT!
09/29/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 507XX
 Web
On XX/XX/2021 I sent a letter to OAC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
03/30/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32025
 Web
I recently viewed my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company prior to this being placed on my credit report.
02/01/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 347XX
 Web
OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.
08/24/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32025
 Web
Today i pulled my credit report and discovered that this company has reported that I owe them a debt. I never received any notification from this company and therefore my rights were violated
09/21/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 759XX
 Web
I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.
12/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35613
 Web
I pulled my credit to discover a debt that doesn't belong to me. It is from OAC and account # XXXX, XXXX account number XXXX and lastly XXXX/XXXX Credit # XXXX
02/05/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 480XX
 Web
Is regarding account # XXXX, which you claim Such as I owe {$70.00}. they put negative marks on my credit reports. Without verification of my signature.
02/15/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53225
 Web
I have a debt on my XXXX XXXX the original creditor is XXXX XXXX XXXX Now its Oac from XX/XX/2017 the amount is {$280.00} its 2 years and 4 months old
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.
08/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53210
 Web
OAC claims I owe them {$140.00} Ive never did you have a picture or an idea of what you wanted bu With them and dont know who they are
08/02/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53225
 Web
Collections is not from original creditor. I do not owe OAC-XXXX {$210.00}. I never heard of OAC I never did a contract with them.
04/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60653
 Web
I see multiple items from this company being reported to my account that do not belong to me.
10/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53216
 Web
Each company claim I don't have a account with them. So never resolved issues.
03/09/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 53206
 Web
Please Validate, disputed it came back accurate, please prove it.
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60629
 Web
Paid account representative states the account would be deleted.
10/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 531XX
 Web
Oac attempting to collect a minor charge that's been paid
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53212
 Web
03/21/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 49426
 Web Older American
03/03/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 50707
 Web
03/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30291
 Web
02/22/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DC
  • 20019
 Web
02/06/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 22193
 Phone
02/03/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19012
 Web
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53707
 Phone
01/20/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 54911
 Web
12/31/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53186
 Web Servicemember
12/29/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21740
 Web
12/25/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 53216
 Web
12/19/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48219
 Web
12/09/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 53216
 Web
12/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44123
 Web
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60707
 Web
08/10/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60171
 Web
07/18/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53209
 Web
05/04/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53051
 Web
05/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30058
 Web
04/30/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 507XX
 Web
04/22/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53405
 Web
04/17/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53110
 Web
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33426
 Web
04/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 62549
 Web
03/14/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53227
 Web Older American, Servicemember
12/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35160
 Web
11/09/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 50703
 Web
09/25/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23325
 Web
09/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85050
 Web
09/11/2021 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
  • IL
  • 61761
 Web
08/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60643
 Web
08/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30067
 Web
08/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60620
 Web
08/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30228
 Web
08/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • WI
  • 53214
 Web
08/12/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60628
 Web
08/11/2021 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
  • VA
  • 23878
 Web
08/09/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62526
 Web
06/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32060
 Web
06/14/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 40517
 Web
06/12/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60060
 Web
05/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76543
 Web
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53405
 Web
04/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32601
 Web
04/25/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53405
 Web
04/22/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32025
 Web
04/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 53913
 Web
04/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60114
 Web
02/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34674
 Web
02/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60009
 Web
01/31/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53233
 Web
12/14/2020 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63121
 Web
12/04/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30223
 Web
11/10/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53219
 Fax
09/15/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • WI
  • 53210
 Web Servicemember
06/16/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75038
 Web
02/01/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29708
 Web Servicemember
01/28/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33541
 Web
12/05/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32177
 Web
10/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53029
 Web Servicemember
06/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33682
 Web
05/23/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53144
 Web
05/20/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34639
 Web
03/31/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60637
 Web
01/31/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60619
 Web
12/02/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60419
 Web
09/25/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53206
 Postal mail
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
  • SC
  • 29464
 Web
08/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30216
 Referral
07/30/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60430
 Web
05/21/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53149
 Web
05/09/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32277
 Phone
05/02/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60605
 Web
04/30/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20878
 Web
03/14/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34205
 Referral
03/04/2018 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 61701
 Web
03/02/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97034
 Web
02/15/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34221
 Web Servicemember
02/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 76549
 Web
09/15/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33647
 Web
08/30/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53024
 Web
08/13/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60653
 Web
08/13/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60653
 Web
03/27/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75964
 Web
01/15/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32277
 Web
11/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06825
 Web
08/25/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32653
 Web
08/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 54220
 Web
07/08/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 33556
 Web
05/25/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • WI
  • 53224
 Web
05/19/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33606
 Web Servicemember
02/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 34736
 Web
01/07/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32656
 Web Older American
11/20/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • IL
  • 60458
 Web
09/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60614
 Web
07/28/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 21009
 Web
06/02/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60193
 Web
02/09/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • WI
  • 53022
 Web
10/07/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • IA
  • 50613
 Web
10/03/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77535
 Web
09/25/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32055
 Web
06/12/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32727
 Web
05/31/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 53092
 Web
05/27/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53104
 Web
03/28/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 53050
 Web
02/28/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53172
 Web
01/29/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32054
 Web
12/20/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33813
 Web