Palm Beach Credit Adjustors, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34953	Web
XXXX medical collections are posted on my credit report from Focus Financial Services/ Palm Beach Credit Adjustment . The debt is not mine. Account # XXXX reports a balance of {$82.00} & account # XXXX reports a balance of {$200.00}. I have never received any correspondence from them prior to disputing with the credit reporting agency 's. I never received a bill from the original creditors, nor did I ever receive any communication from FFS. My address is listed on my credit report yet they never sent me a " debt validation notice '' prior to or after reporting these accounts to the CRA 's like they are required to by law. They are supposed to provide one within five days of its initial communication with the consumer in connection with the collection of a debt. FFS 's failure to send the Debt Validation Notices to me prevented me from exercising my legal right to request debt validation of the alleged debt at the outset. Since I have never received one they are in violation of Section 809 ( a ) the FDCPA, 15 U.S.C. 1692g ( a ). I disputed these accounts with the CRA 's and it was verified with XXXX & XXXX. On XXXX/XXXX/15 I sent FFS a debt validation letter via certified mail that was delivered on XXXX/XXXX/15. I requested to be provided with proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with evidence that this debt is mine. Under HIPAA privacy laws FFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. They did not properly validate the debt nor provide any of the documents I requested. Their response has not proven that this debt belongs to me, and FFS did n't provide any documents such as an agreement with their " client '' that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. They also did n't provide an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. On XXXX/XXXX/15 I mailed another debt validation letter via certified mail that was delivered on XXXX/XXXX/15. In response they sent me an ID theft affidavit. FFS still did not validate nor send the requested documents. Per FDCPA, they must ( a ) provide the requested information before continuing collection activity, or ( b ) stop all collection activity. However, FFS continues to illegally verify this information whenever I dispute it with the CRA 's without validating it with me. On XXXX/XXXX/2015 I sent via certified mail a direct dispute, It was delivered on XXXX/XXXX/15. It has been 45 days since they received it and I have not received a response. FCRA Section 623 ( a ) ( 8 ) and the Furnisher Rule require that Furnishers, like FFS, respond to Direct Disputes within 30 days of receiving notice of the dispute. 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ( i ) - ( iv ) and 1681i ( a ) ( 1 ) ( A ) ; 12 C.F.R. 1022-43 ( e ) ( 1 ) - ( 4 ) Section 623 ( a ) ( 8 ) ( E ) of the FCRA makes it unlawful for such a furnisher like FFS not to conduct a reasonable investigation of a Consumer dispute received directly from the Consumer, in the circumstances specified by Regulation V. 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ; 12 C.F.R. 1022-43. Also, FFS/Palm Beach Credit Adjustment did not acknowledge on their correspondence with me that they are no longer able to sue me on a debt this old and I believe according to the Section 5 ( a ) of the FTC Act 15 U.S.C. Section 45 ( a ) they are obligated to do that. They are reporting incorrect information on my credit reports, and now I have to worry about them suing me on a time barred debt. These are really unfair and deceptive acts. Attached are copies of the documents I have mailed to FFS & proof of delivery confirmation.
01/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33435	Web
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PALM BEACH CREDIT ADJUSTMENT dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX
07/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 334XX	Web
My name is XXXX XXXX XXXX am writing this complaint against FOCUS FINANCIAL SERVICES : ACCOUNT : XXXX, the original creditor was XXXX XXXX XXXX XXXX XXXX The collection company of Focus Financial Services have violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. I wrote a certified letter on XX/XX/XXXX and the received the letter on XX/XX/XXXX but no response. They still have this negative item showing on my credit report. I have reported them to the Attorney General 's Office here in the state of Florida. Who told me they have receive many complaints against this collection company harassing and threating residents of Florida. So, they told me as resident to file this complaint if they do not delete this item of my credit report in the next 15 days to call back to there office. So they want me to gather the following documents : Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State XXXX FRCA and FDCPA. You also have violated HIPPAA policy law. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages.
04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
In response to CFPB : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) To Whom It May Concern, RE : Focus Financial, attention to XXXX XXXX Collection Manager Direct Line : XXXX Fax : XXXX Under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA your company refused to do anything that I requested. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question. Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its repor tin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
04/07/2020	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	FL 349XX	Web
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
09/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} 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 PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
10/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33484	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXXXXXX 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 FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC 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 B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33411	Web
XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE XXXX XXXX FOCUS FIN XXXX FOCUS FIN 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 FOCUS FIN XXXX FOCUS FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
08/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XXXX/XXXX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXFOCUS FINANCIAL SERVIC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou 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 cannot 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) ApplicabilityThe 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 constructionNothing 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 FOCUS FINANCIAL SERVIC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX FOCUS FINANCIAL SERVICES 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 FOCUS FINANCIAL SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
03/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
ATTENTION DISPUTE DEPARTMENT FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC 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 FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC 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 ). XXXX 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 FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
09/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33467	Web
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FOCUS FINANCIAL SERVIC XXXX and 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 FOCUS FINANCIAL SERVIC XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
09/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX FOCUS FINANCIAL SERVIC AKA Palm Beach Credit Ad XXXX XXXXour 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 FOCUS FINANCIAL SERVIC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXXMD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33467	Web
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX Focus Fina Opened XX/XX/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 Focus Fina Opened XX/XX/XXXX +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
03/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32907	Web
ATTENTION DISPUTE DEPARTMENT XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, FL XXXX FOCUS FINANCIAL 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 FOCUS FINANCIAL 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 Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX for the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
06/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
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 XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
02/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33435	Web
FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FOCUS FIN acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
09/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web
I owed a medical bill, I went online to Focus Financial Services to make the payment. I got a confirmation number on XX/XX/XXXX stating that I paid in full the debt owed. Then I check my bank account a few days later and I see Focus Financial Services took out another payment in the same amount taken out on XX/XX/XXXX. My wife called and spoke with a representive named XXXX he threatened her about her accounts and said nothing can be done even though she called regarding a payment made on my account. So she told him we will just stop the payments and report them for trying to collect a debt that was already paid for in full. He then told me that his supervisor would get back to me or her but he didn't. She called again and spoke with XXXX, he stated that since its an overpayment their supervisor XXXX XXXX would just have to okay it and the money should be refunded. She thanked him and then I had to call to confirm that they were the ones that made the mistake. I got in touch with the supervisor XXXX XXXX who lied to me and told me that he sees a payment made on XX/XX/XXXX. I proved he lied because our chase bank statement showed they took it out on XX/XX/XXXX. The story they were giving us was not adding up. I called back to get clarification from his statement and he still repeated the same thing and then tried to say that we must have made a payment days later. I told him that we have proof that we confirmed the first payment on XX/XX/XXXX because we have a confirmation number however when I asked about the confirmation number for the " supposed '' second payment he couldn't provide it to me. He said he does not have access to the Online system yet his phone number is listed as the primary number to call if anyone has any problems and concerns. He refused to work with us and threaten us. We called our bank to put a stop payment since he said there is nothing he can do. Worse customer service. The manager XXXX XXXX was not helpful and was completely ignorant on how his own companies Online Services work.
02/01/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33021	Web
On XX/XX/2021, I received a call from XXXX, an unknown male stating his name was XXXX XXXX ( or XXXX ) from Focus Financial Services to collect a medical debt for Memorial Health System. I asked him if it was a Florida Corporation. He answered, " Yes. '' I asked if he was licensed to collect a debt in the state of Florida. He answered, " I don't have to be. '' I said that he had to be licensed to collect without violation of my FDCA rights ; he answered, " I collect for a Hospital, so I don't have to be licensed ''. While on the phone with him, I went to the XXXX Florida Department of State website to verify the company. I found the record of 3 companies with the name he gave me : FOCUS FINANCIAL SERVICES , INC. XXXX INACT FOCUS FINANCIAL SERVICES, INC . XXXX INACT FOCUS FINANCIAL SERVICES, INC XXXX INACT All inactive, administratively dissolved for an annual report. I asked him why he was calling on behalf of the unexisting business. He told me to XXXX the company, the webpage https : //www.ffsservices.com. He told me that the business was located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States. I answered that having a website and information on XXXX does not allow him to do business in Florida without active registration with the Department of the State of Florida or license to collect the debt. And in my opinion, he was conducting fraudulent activity. He said he did not care about the Department of the State or Federal law requirements. From my first question about his inquiry 's legitimacy, he yelled at me excessively and was overly aggressive, which I believe is a coercive tactic. He was interrupting my questions to verify the business information ; I believe he did so to avoid direct answers regarding lack of registration and license. He was asking me to admit the debt and make a payment of XXXX XXXX dollars. I told him he was a fraud and I would be reporting him to Attorney General, Federal Trade Commission, and CFPB.
04/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33325	Web
A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.
11/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33435	Web
FOCUS FIN ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
12/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32907	Web
FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
04/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { FOCUS FINANCIAL SERVIC } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { FOCUS FINANCIAL SERVIC } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
01/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33073	Web
I found out through my credit report that there is a collection from XXXX XXXX XXXX for a medical collection from XXXX hospital. This bill was for my son who is XXXX years old and is XXXX. I contacted the collection agency because I had started a payment arrangement with the hospital itself immediately after receiving the 1st bill. The hospital stopped ticking the funds from my bank account for no reason. I call the collection agency in explain this I even offered to borrow funds from a family member to settle the account but I only hide half of the balance at my disposal. They refused to do any settlement on the account and they said they would continue to report the account of the collection to my credit report. They also said that even if I started on a repayment plan as I originally had with the hospital it would still report me negatively to my credit report. Having a special needs child on the XXXX XXXX it's very difficult especially because insurance doesn't cover the majority of any emergency expenses such as his. We were a charge over {$13000.00} just for a one and a 1/2 day stay at the hospital and the insurance covered a portion of it and we were responsible to still pay {$3600.00}. We do not have those funds and have attempted every possible option to avoid this impacting my credit report.
07/30/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	CO 816XX	Web
On a letter dated XX/XX/XXXX I was contacted by Focus Financial Services for a bogus medical debt by a doctor that I had seen and paid in full at the time of service. On XX/XX/XXXX, I responded to Focus Financial Services by divulging that the debt was bogus and erroneous and asked them proof of its validity. I sent Focus Financial Services my letter via fax and certified which I received confirmation receipts from Focus Financial Services on. I never received any further communication from Focus Financial on my request for documents or anything else after I sent them my letter. Today I was informed that Focus Financial Services reported the bogus debt under my credit profile to all three major credit agencies XXXX on XX/XX/XXXX which has now greatly affected my personal and professional perfect credit profile and caused me great emotional distress. By doing so Focus Financial Services has failed to take the required legal steps to investigate the integrity of this debt which I am disputing under the Fair Credit Reporting Act and broke the law by reporting this bogus collection under my credit profile 10 months after the fact without contacting me and follow the proper procedures prior to doing so.
03/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33437	Web	Older American
The company involved is : Focus Financial Services. This involves a debt from XXXX XXXX, and XXXX XXXX. I previously filed a complaint with your organization about it ... ... ... ... ... ... ... ... .... Ref ID : XXXX The other company was called XXXX XXXX, and you contacted them regarding my complaint. Yesterday I got a letter from Focus Financial about the debt. It seems the Hospital just forwarded this debt to Focus Financial. I called them this morning and the person I spoke to, XXXX, was very combative in her response to my summary of what happened. She just said I have to get a statement from the credit card company to show I paid the bill. I said that this occurred a year and a half ago and my accounts were hacked, so I don't even know which credit card I used, as I subsequently had to close many accounts and destroyed the cards. I said, why did the Hospital wait for almost a year to contact me, and she said " it doesn't matter ''.. Please read the aforementioned Ref.ID number so you get a better perspective on this matter.
08/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
After battling through XXXX XXXX XXXX and XXXX I called my insurance company to see if all treatment and costs are fully covered, they assured me insurance covered absolutely everything since I'm on XXXX Medicare & Medicaid that I'd owe nothing. A month after my XXXX treatment ended I received a letter from Focus Financial Services saying that I owed hundreds of dollars. Please be advised I never received a bill from the hospital even though I have Informed Delivery from USPS. Last year in XXXX I called Focus Financial Services and informed them it was an error, since I got off the phone with XXXX and they paid all my bills and there is no outstanding balance. Almost a year later Focus Financial Services send me another bill for hundreds of dollars and called me on Wednesday XX/XX/XXXX at XXXX XXXX. I called them Thursday XX/XX/XXXX to dispute charges they said I'm responsible for these charges.
05/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33064	Web
I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that some one had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33409	Web
I want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.
06/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33484	Web
This company continues to report a copay as past due. They know that my insurance was 100 percent responsible and that I was too late to file a complaint against my insurance. I had met my deductible 100 % XXXX should have paid this debt at 100 percent and this company was advised of the situation. Because I had gone past 200 days the insurance refused to reverse the charge. I in turn went ahead and paid the bill over a month ago, yet they continue to report it as not paid. This is negatively impacting my credit report and my family! I believe they are doing this intentionally because I complained previously as this should have never been reported. This really irritates me because if you run a business, run it correctly or shut it down!
07/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33463	Web
My son went to the hospital twice in 2016 for XXXX issues. He was released the same night, my son has been insured with XXXX insurance since the day he was born, I provided the hospital with his information. A few months later, I receive two letters from debt collectors saying that I owe {$500.00} for each visit. I immediately called and informed the agent that I don't owe anything, his insurance takes care of his medical visits. I tried to give his info to the collection agency and they refused to take it, they said that I needed to contact the hospital. I called the hospital and never received a call back. Now they have these remarks on my credit report which is hindering me from purchasing a home.
06/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33418	Web
I have asked Focus Financial Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
08/11/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33463	Web
XXXX XXXX XXXX from XXXX XXXX XXXX sent a bill for {$640.00} to a collection agency that ruined my credit score for a emergency room basic procedure of stitches from 4 years ago that was covered by medicade to a group namedXX/XX/XXXX and never tried to tell me they were attempting to collect the money so I could pay or give them my insurance information again. They waited until I started building my credit history and score and then put a derogatory mark against me that destroyed everything I worked to accomplish paying my bills on time as a young adult for many years. Im highly disappointed and frustrated and frankly insulted that they did this to me.
07/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to Focus and XXXX XXXX to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XX/XX/XXXX shows that XXXX and XXXX did eliminate reportings for both of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.
11/18/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33460	Web
I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. They asking for my personal from family also.
01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33426	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
06/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33064	Web
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
10/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the FOCUS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
09/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	XXXXX	Web
This debt is false. Firstly, I do not live in the US. While in America, I had to go to the ER to have something checked out, I have FULL insurance coverage for everything. I provided ALL of my insurance details to everyone I had contact with at the hospital, and afterwards when contacted. I did the same for my insurance company, and confirmed by all parties that all was taken care of. Now, almost a year later this company, whom I've had zero contact with, at all. Filed a negative mark on my permanent credit history. This is completely unacceptable, and an illegal action.
12/02/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33028	Web
they did not send me a notice of right to dispute, no information to verify debt no name of what they where trying to collect on did not say my full name only asked for first name, did not give me a speech of how it was an attempt to collect a debt ... ... after i told cease calling me cause could n't even address who they were fully asking for told me they will take the cease as a acknowledgement of the debt and a refusal to pay and hung up on me when never told me amount or original account number or what type of account they were trying to collect on.
09/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33435	Web
I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.
04/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33436	Web
I have written to Focus Financial ( on two occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt. The collection company should produce a document with my signature which shows that I have assumed a financial responsibiltiy. If they can not, the must remove the reporting in its entirety.
03/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web
On XX/XX/2023, I sent a letter to Focus Financial Services after auditing my credit reports today and saw that they are reporting an alleged debt on there. I never received a dunning letter from them to allow me the opportunity to request validation of this alleged debt. Yet, they placed it on my credit reports. In my letter, I requested that they sent me legal documents to validate the alleged debt, but they completely ignored it. I am demanding that they close this account and delete it from my credit reports. Account number : XXXX
04/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. YOU HAVE VIOLATED YOUR RIGHTS IN MANY WAYS. FAIR CREDIT ACT HIPPA VIOLATION FAIR DEBT COLLECTION PRACTICES DEFAMATION OF CHARACTER REMOVE THIS FROM MY CREDIT FILE. THIS ACCOUNT IS NOT MINE. SEND DOCUMENTS PERTAINING TO MY REQUEST. NOT SOME KID SOCIAL AND SOME GUYS ID.
02/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web	Older American
On XX/XX/2021, I received " important notice '' from Focus Financial Services, a debt collector. F.F.S. received my dispute letter on XX/XX/2021. Today, XX/XX/2021, I did not receive anything from F.F.S. so far. Is there a deadline by law that the debt collector have to respond to a dispute letter? Also, on the F.F.S. notice letter dated XX/XX/2021, I did not received enough information about the alleged debt. More so, I did not receive any information about all the info I was asking to F.F.S. on my dispute letter dated XX/XX/2021.
10/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33414	Web
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX+ years however the debtor is also reflecting the account/charges were just recently opened XX/XX/XXXX months ago?
06/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33435	Web
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
06/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33435	Web
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
10/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33445	Web
I paid my account directly with XXXX XXXX XXXX XXXX on XXXX XXXX and yet the collection agency is still on my credit report and shown as unpaid as of XX/XX/2021. The collection agency is still reporting wrong information and i need that to be removed. I tried to dispute it but the credit bureau also report it as accurate. THE ACCOUNT HAS BEEN PAID! The collection agency 's phone number is not working and unable to reach anyone over the phone and their other number is inaccurate.
06/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL, XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
06/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
06/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
04/22/2023	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 33435	Web
In accordance with the Fair Credit Report Act XXXX, XXXX, FOCUS FINANCIAL SERVICES , has violated my rights. 1 5 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account reported twice on XXXX, and based on my knowledge I don't owe this debt collector.
04/23/2023	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 334XX	Web
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, FOCUS FINANCIAL SERVICES, 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 an account without my written instructions. This is a fraudulent account, I did not have any contact with this company.
12/08/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33462	Web
I have sent a letter to the company regarding the details of the letters they have sent to me. I have told them that they have violated my consumer rights and broken federal law. I have also sent them a cease and desist and stated that all further communication shall be through mail, no phone calls. I listed the laws they broke and how they broke them along with their civil liability for breaking them
01/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33444	Web
On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed
07/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33463	Web	Older American
I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.
05/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33023	Web
Focus Financial Services agents have been multiple harrassing and threatening phone calls claiming to represent XXXX Hospital about a debt that as per my insurance company which has informed XXXX Hospital both verbally and written letter that their client ( myself ) do not owe for any excessive charges on services rendered on XXXX XXXX, 2014. All payments have been made in full.
04/22/2023	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 33435	Web
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, FOCUS FINANCIAL SERVICES, for {$610.00}, 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 an account without my written instructions. I do not owe this debt collector.
04/22/2023	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 33435	Web
In accordance with the Fair Credit Report Act Convergent, XXXX, Creditor : 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 an account without my written instructions. Based knowledge, I don't owe this debt collector.
04/22/2023	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 33435	Web
In accordance with the Fair Credit Report Act XXXX XXXX Creditor : 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 an account without my written instructions. Based on my knowledge, I don't owe this debt collector.
06/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33436	Web
XXXX and Palm Beach Credit Adjustor will not remove a reported medical collection as they are double reporting and the reported debt collector " Palm Beach Credit Adjustors '' does not own or have the collection authority to report, as it is owned by Focus Financial services who already has removed their reporting from XXXX and XXXX
05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33319	Web
I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.
10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$300.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
07/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33484	Web
NEVER RECIEVED NOTICE FROM FOCUS FINANCIAL, REQUESTED BREAK DOWN OF DEBT AND BY LAW HIPPA ACT OF 1996, PROVIDE MY SIGNED HIPPA RELEASE FORM. I ALSO RECIEVED 3 COLLECTION BUT ONLY ONE VIST PLEASE PROVIDE 3 SEPARATE BILLS WITH THE ACCOUNT NUMBER FOR EACH SINCE IT WAS ONE VIST TO THE EMERGENCY ROOM
04/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Web
I have filed a dispute with FOCUS FINANCIAL SERVICES in regards to two incorrect items on my credit report enlisted a bill for {$100.00} and {$500.00}. Send out numerous letters and its even well over 30 days and I hadnt received any investigation results.
08/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web
Debt showed up on my credit without following fdcpa There was no letter to give me the option to dispute. Letters were sent to requesting debt validation in XXXX, XXXX, XX/XX/2023 and no response. Address for this company is saying undeliverable.
07/15/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 335XX	Web
Too many dates to count- the debt is continually sold to other reporters when I explain situation and this debt has been settled and discharged. XXXX XXXX- {$2300.00}, 3 accounts- medical debt that was discharged and filed on my XX/XX/2015 taxes.
11/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11566	Web
My son went to the XXXX in Florida bc i could n't take him to a walk in clinic. I verified with my insurance company which i still have. I gave the hospital all documents to support this issue. XXXX has already removed this from my credit report..
06/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33436	Web
First, I've spoken with this company in a timely manner and asked them to send me I asked him to provide any type of proof that this is my debt, and I also asked him to remove any debt is company placed on my credit reports, he hung up on me.
06/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33435	Web
This medical bill should have been paid. At the time of service I had XXXX and XXXX for health insurance. It 's also being reported wrong. The service was done in 2011 and should be deleted from my credit report.
05/10/2023	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 33407	Web
I am not liable for this debt with XXXXXXXX XXXX XXXX and do not have a contract with Focus Financial Services. They did not provide me with the original application like i asked but I keep getting automated responses
05/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33463	Web
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continue to stonewall and not answer my request for validation which is a violation of law.
09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33463	Web
I am filling a complaint false information being reported on my credit report that dont belong to me these items are being reported twice on my credit report I never been here false information
04/06/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33426	Web	Servicemember
This is an agency calling for a Medical emergency debt They have my cell phone and been calling my work number everyday harassing me .When I comforted them they were rude and hanged up on me.
11/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30248	Web
Called Focus Financial today because there were five collections on my credit report from them. I never received any written notification before it was put on my credit report.
07/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
I have sent Focus financial Service attempting to collect a debt for XXXX XXXX, I have reached out to the hospital told them i am a victim of identity theft.
04/01/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	FL 33437	Web
XXXX representatives from focus financial called me several times, very rude and threatened to take legal action if I do n't pay
01/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 334XX	Web
palm beach credit adjustments is not my account its a paid account being reported on my XXXX credit report
10/28/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	FL 33428	Web
call me to my job
01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33445	Web

01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33462	Web

12/22/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33021	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33436	Web

07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33445	Web

07/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90620	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33064	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33064	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33436	Web

04/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33462	Web

03/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33487	Web

02/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33417	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33463	Web

02/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33481	Web

11/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web

10/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33461	Web

10/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Web

10/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33401	Web

10/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33401	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33450	Web

09/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89123	Web

08/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

05/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33472	Web

04/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33445	Web

04/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33470	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33028	Web

03/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33484	Phone	Older American

03/08/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33484	Phone	Older American

03/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33484	Phone	Older American

02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34953	Web

10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34102	Web

10/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33412	Web

10/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33324	Web

10/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33462	Web

09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33442	Web

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33313	Web

07/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33066	Web

07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	UT 84129	Web

04/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 410XX	Web

03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33415	Postal mail

03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33415	Postal mail

01/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web

01/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web

01/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web

07/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web

06/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33635	Web	Servicemember

05/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33435	Web

05/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33411	Web

05/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32828	Web

05/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Referral

05/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Referral

03/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

02/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Phone

02/20/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28269	Web

02/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33461	Web

10/03/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33444	Web

09/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33408	Web

07/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	Web	Older American

06/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33444	Referral

05/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33484	Web

02/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29644	Web

01/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33426	Web

06/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33324	Phone

05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32758	Web

04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33444	Web

02/23/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33312	Web

02/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33284	Web

02/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33484	Web

02/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33314	Postal mail

01/19/2017	Yes	Credit reporting	Incorrect information on credit report Account status	FL 33437	Postal mail

01/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

01/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

01/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33414	Postal mail

10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33414	Postal mail

09/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

09/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

09/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

08/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33437	Web

07/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33434	Web

06/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33467	Web

04/28/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	FL 33409	Phone

03/31/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	FL 33305	Web

02/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33463	Web

07/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33435	Web	Servicemember

06/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33458	Web	Servicemember

02/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33487	Web

01/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33418	Web	Older American

01/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32966	Web	Servicemember

12/19/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33023	Phone

11/16/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OR 97071	Web

08/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33426	Web

08/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33418	Web

04/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33437	Web

03/24/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33478	Web

03/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33310	Referral