Paramount Recovery Systems, L.P. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 077XX	Web
I am directing my complaint against " Paramount Recovery, '' whose company address is listed at [ XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ] for violating my consumer [ protection ] rights. Paramount Recovery conducted unfair and illegal business practice ( s ) because it ( 1 ) failed to provide me with ANY notification, written or verbal, of 'a debt ' in general ( 2 ) failed to provide me with written notification of my right to dispute the ( alleged ) debt, ( 3 ) failed to provide me with written notification of my right to address and/or correct the ( alleged ) debt, ( 4 ) failed to provide me with written notification itemizing and validating the ( alleged ) debt, ( 5 ) illegally and maliciously took negative action against me by reporting said ( alleged ) debt to my credit report, where derogatory remarks are showing in all major credit reporting agencies ( CRA ), including, but not limited to, XXXX and XXXX , ( 6 ) failed to notify me in writing after taking negative action against me ; and as a result, Paramount Recovery ( 7 ) deliberately deprived me of my due process rights, ( 8 ) deliberately engaged in illegal business practice to coerce me to repay 'a debt ', ( 9 ) deliberately caused significant damage to my credit report, and ( 8 ) deliberately caused me XXXX and embarrassment. Paramount Recovery did all of the above in bad faith. It engaged in abusive and deceptive behavior against me and stands in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) * for their failure to provide a formal notice about the debt prior to reporting negative information to a credit reporting agency, * for their failure to provide notice within 30 days after reporting negative information to a credit reporting agency ; and, per FDCPA, *** for their failure to NOT report a debt to a credit reporting agency unless and until they have validated it ( with the consumer ). Therefore, Paramount Recovery has broken numerous federal statues, including, but not limited to : Section 603 ( p ), 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) ( i ) failed to provide consumer with written notice ( in general ) and prior to reporting ; Section 603 ( p ), 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( i ) failed to provide the notice required under subparagraph ( A ) which shall be provided to the consumer prior to, or no later than, 30 days after furnishing the negative derogatory information to a consumer reporting agency ; 15 U.S.C. 1692g ( a ) violated consumer 's right to have debt validated ; U.S.C. 9.501 violated commercial law that all notices were timely and properly given by dated certified mail receipt. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt ; see XXXX. XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). Per Section 807 ( 11 ) violated consumer 's " Mini-Miranda '' rights by failing to contact consumer in writing five days ( or XX/XX/XXXX ) prior to placing this derogatory item on consumer 's credit reports ; and, per 15 U.S.C. 1692 ( g ) 809 Failed to give consumer written notice within five days after initial contact on XX/XX/XXXX. I understand that according to FCRA, failure to provide this notice can result in a penalty [ up to {$2500.00} ] that can be enforced both by the Consumer Financial Protection Bureau ( CFPB ) as well as the Federal Trade Commission ( FTC ) ; and, that my state attorney general can also enforce this with a [ {$1000.00} ] penalty. TIMELINE OF EVENTS : On XX/XX/XXXX, I retrieved my ( free ) credit report and to my shock and dismay found that ( 1 ) my 'excellent ' credit score had sharply and significantly tanked ( in excess of -80 points as of this writing! ) on all major CRAs, and ( 2 ) I had a debt collection account from " Paramount Recovery, '' which I had never heard of or been aware of prior to this day, in the amount of {$770.00} which they posted to my report on XX/XX/XXXX. In other words, it had been sitting on my credit report for over two ( 2 ) months without me ever being contacted about it, either prior to the posted date or thereafter. On XX/XX/XXXX, I contacted Paramount Recovery by telephone, and spoke to a lady who ( without being prompted ) confirmed my current mailing address -- which is both curious and appalling, because it proves that despite having my address on file, they deliberately deprived me of my " due process '' rights and reported said debt on my credit report without having validated the debt with me beforehand. I was told said debt is over four ( 4!!! ) years old, and without giving me a chance to exercise my right to verify said debt ( in writing ), she pressured me into repaying it -- - this despite the fact that I clearly told her in the beginning of the conversation that I only came to know of said debt on the same day of the call and through a derogatory remark on my credit report. When I attempted to hang up the phone, she continued to exert pressure on me. As I attempted one final time to end the conversation, she speedily mumbled something to the effect of marking the debt as disputed. This is causing me XXXX XXXX and XXXX, as prior to the above date, I had no knowledge of being in debt at all. As of XX/XX/XXXX, Paramount Recovery has failed to report the debt as " disputed '' to all CRAs. As of XX/XX/XXXX, Paramount Recovery has still failed to contact me in writing to validate said debt. I'm exercising my right under 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( D ) to dispute the collections account that Paramount Recovery posted in bad faith on my credit report INSOFAR that it deliberately misleads all CRAs of my alleged failure to repay 'a debt ', and hence of my alleged " credit unworthiness ''. I ABSOLUTELY DEMAND THAT THEY FURNISH WRITTEN PROOF OF SAID DEBT, AND REMOVE [ ANY TRACE OF ] THE COLLECTIONS ACCOUNT AND/OR DEROGATORY REMARK FROM MY CREDIT REPORT ON ALL CRAs AND/OR ANYWHERE ELSE THEY MAY HAVE REPORTED SUCH INFORMATION TO AS THEY NEVER ALLOWED ME TO ADDRESS OR CORRECT IT IN THE FIRST PLACE. IF the debt is legitimate, I am willing to find a solution with Paramount Recovery to correct it. However, prior to this, Paramount Recovery must absolutely agree to in writing and furnish written proof that : ( 1 ) they are a licensed debt collections agency, and state their license # and the account # used by them ( 2 ) they have a legal license to collect said debt in the State of New Jersey ( if not, say why not. If yes, provide date of license, name on license, license #, and a name, address and telephone number of the state agency issuing the license ) ( 3 ) they own the debt in question ( 4 ) if the debt started with a different creditor, state the name and contact details of the original creditor, provide account # used by that creditor and the amount owed to that creditor at the time of transfer. Also state when you obtained the debt ( 5 ) they shall cease collection of said debt until they furnish proof that they attempted to notify me by certified mail of this debt, and furnish proof that they allowed me to dispute and correct the debt 30 days prior to reporting it to the CRAs ( i.e. at least 30 days prior to XX/XX/XXXX ). ( 6 ) they will immediately report this debt to all CRAs as " disputed '' and " under discussion between parties involved '' ON THE SAME DAY they receive notice of this complaint, AND more importantly, ( 7 ) because their abusive and deceptive action had an unnecessary and significant negative impact on my credit, they will have the debt and any traces thereof REMOVED from my credit report, by ensuring that they immediately and without fail contact all relevant credit reporting agencies and any other applicable institutions or forums where they would have posted said derogatory information on me once and for all.
06/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request tha t you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciousl y avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. PARAMOUNT RECOVERY bal. {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to b e deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
06/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. PARAMOUNT RECOVERY S bal. {XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 18504	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX XXXX XXXX Balance- {$630.00} Account Number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
09/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DC 20019	Web	Servicemember
I would like for all collection agencies that are named in my statement to have and remove. There are collections from my credit report agency. I also listed the department of labor case. number that was given to me to provide to the hospital where I was treated. I provided them. Case number to the hospital for all bills. Medical bills to be. Direct it to the Department of Labor with this case number. 15 U.S. Code 1681a Definitions : rules of construction [ U.S. Code ] US Law 1 L11 Legal information institute 15 U.S. Code 1681a - Responsibilities of furnisher of information to consumer reporting agencies ( a ) dirty of furnisher of information to provide accurate information. 1 ) Prohibition ( A ) reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) subject to section 1681s- 3 of this title any- ( I ) report containing information solely as to transaction or experience between the consumer and the person making the report : There is says consumer report in general the term consumer report means any written oral or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness credit standing credit capacity character general reputation personal characteristics or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as factor in establishing the consumer. XXXX XXXX open date : XX/XX/XXXX, XXXX XXXX, XXXX, Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CEASE AND DESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date : XX/XX/XXXX, XXXX XXXX, XXXX, Acc # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I was contacted by XXXX XXXX from your agency regarding an alleged debt owed. Be it known that I hereby. dispute the validity of said debt. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, XXXX. XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by Paramount Recovery Sys or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently. in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. Sincerely, __________________________________________ ( XXXX XXXX XXXX ) cc : Regular Mail Certified Mail Note : This letter serves as an attempt to compel a debt collector to obey federal law, and any information garnered from this attempt will be used for that sole purpose. Notice : This agreement form is provided for general information purposes. Before you utilize and/or finalize any legal form, you should have it reviewed by a lawyer. within your jurisdiction to ensure it meets your legal needs and meets all legal statutes/regulations within the jurisdiction where you reside. CEASE AND DESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I was contacted by XXXX XXXX from your agency regarding an alleged debt owed. Be it known that I hereby. dispute the validity of said debt. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, XXXX. XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by Paramount Recovery Sys or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently. in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. Sincerely, __________________________________________ ( XXXX XXXX XXXX ) cc : Regular Mail Certified Mail Note : This letter serves as an attempt to compel a debt collector to obey federal law, and any information garnered from this attempt will be used for that sole purpose. Notice : This agreement form is provided for general information purposes. Before you utilize and/or finalize any legal form, you should have it reviewed by a lawyer. within your jurisdiction to ensure it meets your legal needs and meets all legal statutes/regulations within the jurisdiction where you reside.
04/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 301XX	Web	Servicemember
PARAMOUNT RECOVERY SYSTEMS reported a {$400.00} collections for an allegedly unpaid ER bill to 2 of the 3 credit bureaus. Ive disputed the same exact entry multiple times under XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. It was removed from my credit report every time due to inability to verify the debt was indeed mine. The debt is noted first delinquent as of XX/XX/2015. I called the hospitals billing department and was informed that they have no record on file under my SSN for me visiting the ER in which I was not covered in full by an insurance plan. The receptionist said I have no outstanding bills or debts in their system. I inquired about the collections agency ( Paramount Recovery Systems ) and their contact information, and she said that the collection agency isnt even one shes ever heard of. She gave me two phone numbers of collections agencies they use, and neither of those two could verify an account for collections. I searched back through my old insurance claims and EOB paperwork ; I couldnt find anything about a bill or debt from the hospital for who the original creditor is listed for, nor correspondence from the collections agency notifying me of the debt. At the time the debt was reported, I was covered under Georgia XXXX womens XXXX, as I was XXXX through XX/XX/2015 and covered the entire time. All of my claims paperwork says it is only an EOB, and that there is no outstanding balance due by me. The online portals say the same thing. My medical records have no listing of outstanding balance or present debt. When I called Paramount Recovery Systems to address the issue, the woman who answered the phone was unhelpful, uncaring, and generally rude. I explained the situation to her and asked her to verify the debt. She said, verbatim, We dont do all that. I asked her who the original creditor was, when the debt was originally owed, what it was for specifically. She said, We dont do that here, we probably bought the debt from someone else. Okay, Im aware of how all of that works. But in order to collect the debt, you have to know and prove that it is indeed mine. So how do you know that this is my debt, that it even exists? We just handle the payments, you can pay it today or set up a payment plan but we dont handle anything else. I asked to speak with someone who could give me more information, because Im not paying a debt that is either entirely falsified or mistakenly appointed to me. Im not paying a debt I dont owe, and Im well within my rights to request additional information. She said there wasnt anyone else there I could speak to, that I would have to call XXXX XXXX and ask them for the information about my debt. I said okay and who is that? Do you have a contact number for them, an address, a website? She said No, we dont give all that out, you will have to XXXX it and figure it out. Seriously? I should just take a shot in the dark on the internet and ask a completely different company about a debt that you are trying to collect for one company, after its been disputed and determined NOT MINE multiple times? And you cant and wont verify the debt or provide any information to me regarding this debt, but you can report it to the credit bureaus and provide them with information that proves its mine? L O L. Sounds like some blatant dishonesty to me.. maybe forging or fabricating proof for credit bureaus to tank my credit scores until I crack and pay a nonexistent debt. Ive read a couple hundred other complaints regarding Paramount Recovery Systems, the lawsuits filed against them, and their seemingly uncanny affiliation with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, etc .... I disputed it and they couldnt prove it, so then what, they pass it off to the next company and just keep passing it around until someone finally collects on the debt? XXXX companies maybe? Sharing the profit? I noticed all those agencies are located right there together in Texas. THATS WILD. I dont know how anyone could even willingly work for a collections agency knowing how they work. Yeah someone falls on hard times and cant pay a bill, so companies decide they can just ruin peoples livelihoods and quality of life by wrecking their credit score until they can profit off of it. Thats gross. The AUDACITY of a country that is TRILLIONS of dollars in debt to give us a credit score anyway.
10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30291	Web
I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, XXXX XXXX XXXX, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XXXX XXXX XXXX, 110 Stat. 3009425. )
04/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web	Servicemember
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PARAMOUNT RECOVERY SYS XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX RE : Collection account : XXXX ( {$1000.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 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. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XX/XX/XXXX or XX/XX/XXXXXXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus :XX/XX/XXXXand XX/XX/XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX XXXXXXXX
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30501	Web	Servicemember
Request for VALIDATION, NOT Verification XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Paramount Recovery Systems, XXXX, XXXX XXXX XXXX, XXXX, TX XXXX RE : XXXX To Whom It May Concern : This letter is being sent to you because I checked my credit and found out that your company is reporting erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX { b } that your claim is disputed and validation is requested. 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. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails 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 report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30315	Web
Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ) .15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agencies have assumed its role per 15USC1681 ( a ) ( 3 ). Paramount Recovery MUST report what I instruct Paramount Recovery to report. Consumer reporting agency grave responsibility is to respect my consumers right to privacy per 15USC1681 ( a ) ( 4 ) and Paramount Recovery is in direct violation of my federally protected consumer rights. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. Before we get to validation per 15USC1692g, The FDCPA states Paramount Recovery must have my permission to communicate with me per 15USC1692c. Paramount Recovery never had my permission to communicate with me prior to my dispute of the validity of the alleged debt being furnished on XX/XX/2021. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I am NOT requesting an investigation or verification because Congress states Paramount Recovery does not have the power to do so per 15USC1681 ( a ) ( 3 ). I requested VALIDATION per federal law, I NEVER requested verification as nothing in 15USC1692 ( g ) states contract, signature, or verification. A signature or a contract is not a validation and is not listed as apart of the 5 requirements per federal law. Paramount Recovery does not have the power to say I owe any alleged debt per 15USC1692g ( b ). Paramount Recovery is in violation of conducting debt collecting business per 15USC1692b by continuing to attempt to collect. 15USC1681i states, Paramount Recovery must delete the item ( s ) from the file expeditiously. I am commanding a deletion before the end of the business day per 15USC1681i. I use my consumer report to extend myself credit and the invalidated debt and invalid communication is being furnished on my consumer reports via XXXX, XXXX and XXXX. I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. Congress states per 15USC1681a ( 4 ) consumer reporting agencies ( Paramount Recovery ) must respect the consumer right of privacy. I do not validate the alleged debt being furnished and 15USC1681b ( 2 ) states a consumer report may only be furnished in accordance with the written instructions of the consumer to whom it relates. Paramount Recovery is in direct violation of my federally protected right because I, XXXX XXXX XXXX never directed Paramount Recovery in writing or verbally to furnish anything on my consumer report. Consumer credit reporting is voluntarily and not mandatory, more than one statute and subsection gives me the option to opt out per 15USC1681b and 15USC6802 ( b ). I am commanding an expeditious and permanent deletion of adverse account being furnished and immediately and permanently stop reporting for all purposes and to cease any further communication with me and any 3rd party debt collectors for all purposes. I never gave Paramount Recovery consent pursuant to federal law 15USC1681b ( 2 ).
12/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91724	Web
To whom it may concern, I am responding to your contact about a debt you are trying to collect in the amount of {$270.00}. Please supply the information below so that I can be fully informed : Why do you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you determined that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. To make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
12/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34741	Web
On XX/XX/XXXX, Paramount Recovery lists opening a collections account against me to the credit bureaus. This was reflected in my XXXX credit statements per XXXX XXXX. I was unaware this company even existed until they damaged my credit and potentially caused irreparable harm with a former employer. ( 1 ) I was unaware of the collection status prior to it impacting my credit score, as Paramount Recovery did not use the address and phone number supplied on the original debt, which is still the correct and accurate way to contact me. Rather, they wrote a letter to my former employer, who assumed it was related to my father 's estate. I had to have an embarrassing conversation with my former employer, and may have ruined my opportunity to use that long term job as a reference as a result of Paramount 's conduct. -I believe this violates both the required notification prior to reporting the debt, as well as contacting an employer. ( 2 ) This debt was already paid in full to a previous collection company. I have supplied a letter of satisfaction from the previous company to Paramount twice by email, which I was told was the only way to send it. They did not supply a fax number nor address to me. I have not received any acknowledgement of the email and have called numerous times to resolve this. I am always told there is nobody available that can help me. In fact, on XX/XX/2020, I was told there was a long wait of people for the supervisor and was discouraged from waiting on hold. However, the agent I spoke with then told me she just checked and the supervisor wasn't at the desk, so I'd have to leave a message. This indicated to me that it is the standard procedure to lie to consumers regarding supervisors. The agents have informed me they are unable to help in any way except if I wanted to negotiate a payment. -I believe this borders very close to extortion. Essentially, they have made it impossible to resolve this in any way except for offering them a payment. There are no channels for resolution, no acknowledgement of communication, just a demand for money. ( 3 ) In the course of attempting to resolve this debt, a Paramount agent took the issue even further by saying that they had another debt for me as well. This other debt they attempted to collect is passed the statute of limitations. I was given the sense that it was an offer that they would seize attempting to collect the debt I already paid if I paid a debt that was uncollectable. Essentially, again, the idea was that if I simply gave them money, it would go away. ( 4 ) After being unable to resolve this in a reasonable manner, I attempted to dispute this with the credit bureaus. On my most recent call, the agent told me she could see I had disputed it, and said that she wasn't sure how she could deal with it since I had filed a dispute. Given the continuing situation with Paramount, I took this to mean that they were further going to drag this out to punish me for filing the dispute. I assume it will be the same for filing this complaint. -I believe that it is unethical, and potentially illegal for a debt collector to punish me for taking actions to which I'm provided under FDCA XXXX
06/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72211	Web
I received a letter from a collection agency named Paramount Recovery Systems , L.P . The letter was dated XX/XX/2020 but the actual date I received it was on XX/XX/2020. I wrote a reply letter to them on XX/XX/2020 and mailed it the next day. We have been in the COVID-19 pandemic for several months now and mail deliveries are not always on time but I expect that my letter would be delivered to them during the past week. In any case, I have responded within 30 days after receiving their letter that was delivered to me. However, when I logged into my XXXX XXXX XXXXo check my credit report on XX/XX/2020, I noticed a devastating 60 point drop in my XXXX credit score and there were THREE simultaneous derogatory reports filed by Paramount Recovery against me - I am filing a complaint against this entity for committing abusive and unfair collection practices. First of all, I received only ONE letter from them ( 1st attachment ) and in it in the amount they claimed that I owed and attempted to collect from me was {$1000.00} in ONE amount from a creditor named XXXX XXXX XXXX XXXX which I have never heard of. In the 3 derogatory remarks to XXXX, the creditor had suddenly changed to XXXX XXXX XXXX and in THREE separate amounts of {$500.00}, {$790.00}, and another {$500.00}. I have no idea what these charges are and I was not given full 30 days to respond to this matter BY LAW and never received any notifications at all that there were this many debts that whoever it was that claimed that I owed or from where??? If this is not abusive, unfair and ILLEGAL debt collection practice, I dont know what is?? If they want to collect not one but three amounts for me shouldnt I at least be given a FULL 30-day notification period legally what these charges were regarding at first first?? And whats with all these different names of creditors coming out of the woodwork all at one time?? I dont mean to sound redundant but unless we have been living under a rock Im sure everyone is acutely aware that the whole country and the whole world have been immensely impacted by the global pandemic COVID-19 and I have been one of the untold millions that has been suffering hardships during the pandemic. I have been in poor health and also have been suffering economically and thats why it took me a couple of weeks to respond to the letter from Paramount Recovery but at least I had done it within 30 days of receiving their letter. And to have them not giving me ANY chance to even respond properly and fairly and just slammed THREE simultaneous derogatory marks on my credit report and decimated my good score by 60 points is not only illegal but also unusually cruel and heartless considering the time were in right now. Thats why Im turning to the Consumer Financial Protection Bureau to help me with this complaint - please hold Paramount Recovery accountable for illegal, unfair and abusive debt collection practices and please help restore my credit by having their false and unfair derogatory remarks removed from my credit report. My basic rights as a consumer of being given proper notification and proper time respond have been utterly violated. Thank you very much.
02/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DC 20001	Web
In XX/XX/XXXX, I checked my credit score and it was significantly lower than the prior month. I panicked and checked my report with the three credit bureaus. I found out then that I was in collection for a medical bill of which I had no knowledge, and I am not legally liable for because I was not XXXX at the time of the debt or at the time the debt went into collection. The only information I had at this point ( XX/XX/XXXX ) was that it was with Paramount Debt Collection based in Texas and the debt was for {$670.00}. I emailed the company, requesting information and formally disputing the debt. After 4 days, I had not received a response from the company. On XX/XX/XXXX, I called the company to follow-up on this email. During this phone call, the company inappropriately revealed personal information ( note : I have a recording of this call, and all the calls I have had with Paramount ). The company had multiple debts under the same name as mine, and then began listing off birthdates, which made me very uncomfortable and it a clear unethical practice, until they came across my birth date. During this call, I asked for an itemized receipt, information about who the doctor was, when the visit was, and primarily proof that I had agreed to incur the debt, as I knew such a document did not exist, because I was not XXXX years of age. I requested that an investigation be opened because it was not my debt and requested other information. The woman from Paramount only provided the amount and said she would send me a letter with more information. The woman said that she would also request that documents including an itemized receipt and proof that I agreed to incur the debt would be requested from a third-party and could take up to thirty days. On XX/XX/XXXX, I received the formal debt collection letter including information about the charges. It states very clearly on the receipt that there are two parties : the patient ( me ), and the responsible party ( different party ), so very clearly spells out that I am not the responsible party. That letter, however, had no other information about what the charges are for or who the responsible party is. On XX/XX/XXXX, I called Paramount again, inquired about the investigation they had opened and inquired when the other documents would arrive from the third-party. The employee ( a different woman with Paramount ), said that it takes up to thirty days for the documents, and said I had to wait. Nearly six weeks after the first call, on XX/XX/XXXX, I called to inquire again about the documents, and the company said that they were still waiting on the third-party and could provide me no other information. The major problem for me is that those documents were imperative for disputes I opened with the three credit agencies, disputes for which the window for investigation had closed, leaving me with little recourse to get the false information removed from my credit. This debt is not mine. I do not know what the debt is for, and the Paramount Recovery Services has been repeatedly unable to provide that information.
09/18/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76116	Web
Paramount Recovery Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Paramount Recovery Systems. Paramount Recovery Systems placed a medical collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g Paramount Recovery Systems has failed to provide all of the information required in the law below as well. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/09/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
06/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Older American
XXXX XXXX 's office called XX/XX/XXXX and offered a 50 % year-end promotion on dental services. His treatment plan called for two XXXX XXXX XXXX and two XXXX for XXXX XXXX & XXXX. After receiving substandard dental services which caused excruciating pain on XXXX XXXX and the discovery that the 50 % discount was actually more than the allowed insurance rate, I cancelled services and requested a refund for services paid but not rendered since I paid the treatment plan in full ahead of schedule. XXXX XXXX billed XXXX at {$1200.00}, with 50 % discount, my cost is {$600.00}. However, XXXX contract pricing is {$600.00} for XXXX member rate is {$300.00} of which I pay 60 % or {$180.00}. He is clearly overcharging. XXXX XXXX reversed 2 payments of {$550.00} each and {$300.00}, since XXXX XXXX refused to return money, stating services were performed. Included is a treatment plan from XXXX XXXX on XX/XX/XXXX for XXXX build up and XXXX for XXXX XXXX & XXXX. XXXX XXXX scheduled XXXX to be seated XX/XX/XXXX. However, after cancellation , XXXX XXXX billed XXXX for 2 XXXX XXXX XXXX and XXXX XXXX for services rendered XX/XX/XXXX, which is fraud. Please note treatment plan from XXXX XXXX on XX/XX/XXXX for XXXX and XXXX buildup on XXXX XXXX & XXXX. This clearly shows work was not completed on XXXX XXXX & XXXX After review, XXXX determined, those services were not performed and adjusted XXXX XXXX 's claim accordingly. XXXX XXXX continues to bill for these services not performed and referred such to Paramount Recovery for collection. Attached is a ledger showing charges and my initial payment with the promotional discount, letter from XXXX stating services were not provided, but started, EOB from XXXX for services rendered, ledger for services he seeks to collect payment, and invoice and from XXXX XXXX for XXXX XXXX XXXX and XXXX for tooth XXXX on XX/XX/XXXX. In short, his claim is fraudulent and deceptive. His claim is fraudulent. XX/XX/XXXX, I emailed Paramount Recovery Systems the above mentioned statements from XXXX XXXX, letter from insurance company stating the work wasn't completed and invoice from XXXX XXXX for XXXX and XXXX XXXX XXXX on tooth XXXX, disputing these charges from XXXX XXXX. Since I had not heard back from Paramount Recovery Systems, I called XX/XX/XXXX, for update and was told because I visited the XXXX XXXX XXXX, the claim is valid and will not be removed. I am appalled Paramount Recovery Systems is shunning it's responsibilities in addressing this issue. In the past, I called several times and was told a supervisor would call back in 24 hours. I never received a call back from anyone. Paramount Recovery Systems notified XXXX, which shows " disputed '' and status shows " closed. '' The other 2 agencies show status " active '' with no dispute indication.
07/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34667	Web
This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that Paramount Recovery purchased from another 3rd party debt buyer. Paramount Recovery and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. This information was confirmed yesterday XX/XX/2023 with XXXX XXXX XXXX I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Paramount Recovery Systems is to CEASE and DESIST further communication with me and shall not! communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
04/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collect with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that that I REFUSED TO PAY THIS ALLEGED DEBT that Paramount Recovery purchased from another 3rd party debt buyer. Paramount Recovery and I never engaged in any form of business and I never contractually sign any legal obligation binding me to any allege debt that you spoke of in your letter to me dated XX/XX/2023. Therefore you do not have any original documents bearing any of my signatures, as well as the previous debt buyer whom you purchased this debt, had none either. I XXXX XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Paramount Recovery Systems L.P. is to CEASE and DESIST further communication with me and shall not! conununicate further with me with respect to this alleged debt in any form or fashion though any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition for communication under FDCPA / FCRA it is define as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, a communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
05/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I pulled my credit report and noticed Paramount Recovery on my reports. I called them on XX/XX/XXXX to find out more about the account. I spoke to XXXX she stated the account they were collecting on was for XXXX XXXX for {$460.00} for service on XX/XX/XXXX. I advised her per my Explanation of benefits ( eob ) I did not owe for anything and I had never received anything from them about this. She told me she could not send anything because the 30 days to dispute the account was over. I told her I had no knowledge of the account. I asked her who was XXXX and she could not tell me all she told me was that it was from services at XXXX XXXX XXXX. I asked her could I call them to which she told me no that they would not know about it. I asked her how could I get in touch with XXXX and she told me she didn't know how. Upon calling XXXX only pulled up my account by my name she never asked my social or dob to confirm it was me only my address. XX/XX/XXXX I called and XXXX took my call. I explained to XXXX that I spoke to XXXX yesterday and wanted to speak with a manager because she was not able to give me any information. He confirmed me by my ss dob and address. He then told me there 3 accounts for me. 1 being my minor child and 2 for my adult child. I explained to him that my adult childs account should not come up under my social. He wanted to tell me maybe because she was in my care and I told him no she is an adult and they have my social linked her account and that is wrong. He told me he would get me a supervisor. He blind transfers me and the phone rings several times then a voicemail comes on. I call right back a second time and I get XXXX again. I told him who I was and I asked him what happened and I could hear him laughing and someone saying " I told you '' in the background. XXXX then proceeds to collect on the account asking me how I wanted to resolve the account. I told him I didn't because they have not proved to me it was mines and I wanted a manager. He also tried to tell me that he could not talk to me about my adult childs accounts. I told him I didn't ask him to. I also pointed out the fact that he mention the accounts to me tells me they are under my social which they should not be. He transferred me again to the voicemail. I called back and I spoke to XXXX XXXX and told her she was my 3rd call in less than 10 minutes. Explained the issue, what happened with XXXX and that I needed a manager. She told me that the manager was at her desk and she would transfer me. A different lady answered and asked did I need a manager I said yes she transferred me to the same voicemail
12/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33801	Web
On XX/XX/XXXX I contacted Paramount Recovery Services Collection Agency in regards to a notice I received on my XXXX XXXX of two negative accounts. I disputed them through XXXX and XXXX without success. I called Paramount today and the associate was very rude and spoke very quickly the first time I called. I was not aware of these medical bills and have been disputing many of them from different collection agencies from XXXX and XXXX and most have been deleted as I had insurance during these years. The person I spoke to said the original creditor was XXXX XXXX XXXX but would not give me their number due to " HIPAA '' and would only give me the date of medical service. She said she would send a letter with their information but that it won't change the outcome of my dispute. I called again and another associate was able to give me the name of the hospital and exact date of service but not a phone number to the original creditor. She said I have to prove I paid the debt or that my insurance paid the debt ( well, duh, that didn't happen ). I called the hospital and they gave me date of service, total bill ( about 5000 dollars ) and what was performed. She also could not provide a number to XXXX XXXX XXXX yet they work directly with the hospital?? I asked why these two bills were not paid since I was told my XXXX XXXX XXXX paid hospital visit or ER visit in full which is the insurance I was on at the time? She said some doctors outsource and might not accept the insurance. I asked where does it state that when I go to the ER? She literally did not answer my question and just kept saying that most people appeal it through their insurance and win but with county insurance you can't appeal? I couldn't even get through to XXXX XXXX XXXX today. I am now aware that in XXXX a law was passed so that patients don't go through " surprise bills '' for this very reason. So because I can't get through to XXXX XXXX XXXX according to XXXX ( XXXX XXXX ) billing department I can't get information on the doctor that billed these amounts to me. I am now on permanent XXXX and I am tired of these medical bills showing up on my credit report that I don't remember receiving in the mail as I have moved five times since XXXX. But even if I did receive these bills, according to everyone I have spoke to their is nothing I can do except pay up. Please help me because this is wrong!!! Paramount Recovery has accepted this debt so they are responsible for making this right!!
06/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33467	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY SYS 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 PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS 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 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
01/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 231XX	Web
I was hit by a drunk driver. I was represented by an attorney and the case was settled in XX/XX/XXXX. On XX/XX/XXXX, my attorney contacted and paid all of my medical debts in full. I received copies of all of the deposited checks for my records. In XX/XX/XXXX Paramount Recovery Systems posted a delinquency on my credit report for one of these medical bills. The bill was from XXXX XXXX XXXX XXXX XXXX. I called the debt collector and explained the situation. The representative said she would send a message to her supervisor and call me back. This went on until XXXX when the representative told me that I had to email the proof of payment to her supervisor. On XX/XX/XXXX I emailed the proof. 2 weeks later I called again and the representative said she saw the message but that nobody and looked at it yet. I called again a week later and the representative told me that the supervisor was working on it. On XX/XX/XXXX I tried to refinance my mortgage. The errored delinquency was still on the report. The lender informed me that I would have to pay {$2000.00} more because of that delinquency. I called the debt collector and informed them that they had proof of payment for 56 days and had done nothing. And then I discovered that they had actually reported the errored delinquency to another credit reporting agency on XX/XX/XXXX. That is a month and a half after they received proof of payment. The representative told me that my deposited check was not proof and that they would have to speak with someone at XXXX XXXX XXXX to prove that the deposited check was in fact real. This is a bank check through an attorney 's office, not just a personal check that I created. I called XXXX XXXX XXXX and after being transferred and put on hold for over 2 hours they confirmed that they had deposited the check and they were not sure who Paramount Recovery Services even was. They had no record of anyone attempting to call from there to get an explanation. I called Paramount Recovery Services and was told by the rep with a rude and conversation ending tone, " Sir. There's nothing I can do for you. Either we have to hear from XXXX XXXX XXXX or you could just pay this now and it'll make it go away. '' I am at a complete loss and feel helpless to these people who are causing me stress and financial hardship even though I have proven to them that I have already paid this medical bill. Please help me.
01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/2021 PARAMOUNT RECOVERY SYS 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 PARAMOUNT RECOVERY SYS 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/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
03/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34786	Web
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS 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 PARAMOUNT RECOVERY SYS 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38016	Web
On XXXX XXXX, 2020, I paid an outstanding XXXX debt from XXXX XXXX Group of XXXX to XXXX XXXX XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX XXXX indicating that I have satisfied the debt in full. From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX credit report as of XXXX XXXX, 2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XXXX XXXX, 2020. On XXXX XXXX,2020, another collection for the same XXXX debt from XXXXXXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX by Paramount Recovery Systems. I immediately contacted Paramount Recovery Systems to inform them that this debt was already satisfied through another collection agency. Paramount asked me to send them proof of payment. Paramount indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from XXXX XXXX XXXX. I have attached documentation showing where I faxed proof of payment to Paramount Recovery on XXXX XXXX, 2020. Now, Paramount Recovery Systems is telling me that they can not remove the collection account until XXXX XXXX XXXX instructs them to do so. I've reached out to XXXX XXXX XXXX, who told me they have not received anything from Paramount Recovery and that I need to follow back up with Paramount to get this situation resolved. At this point, I am getting no clear answers from either XXXX or Paramount. Every time I call Paramount and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from Paramount Recovery Systems relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of Paramount was when I received a notification from XXXX that this account had been added to my credit report.
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 PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS 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 XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY 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. 11-MD-2295-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
08/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33414	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY SYS 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 PARAMOUNT RECOVERY SYS 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 XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
08/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92117	Web
I had a perfect record with a score of XXXX when all the sudden it dropped to a XXXX over night from a delinquency stated XX/XX/XXXX that was not reported until XX/XX/XXXX, this year. I am looking to buy property within the next 2 years in California as I have been a California resident for a long time so this naturally devastates me. The reporting collectors, Paramount Recovery Systems, did not report the delinquency until five years after the date of the medical service. Paramount did not contact me when the 5 year old " delinquency '' showed up on my report either and I found out because I routinely check my XXXX score through XXXX every other month or so. Back when this service was performed, I had settled what I owed to the original Medical company and they did not reach out to me after that point with any further bills or mail at all. This was because we had settled that payment completely. Paramount has since bought that companies debt and is attempting to reap money out of falsified debt reports that they have created five years later. The fact that the original company has not contacted me since the original time span of the services proves that the payment was accepted and settled. It is not right or fair, five years later, for Paramount Recovery Systems to attempt to falsify delinquencies to reap more money. I have disputed the account with credit bureaus, however, I need further help against this matter. The fact that the original XXXX XXXX XXXX has not made an attempt to contact me in 5 years proves that this claim is being falsified by Paramount Recovery Systems. Please let me know if you or anyone in your office can help me fight this. I have disputed the account to credit bureaus and Paramount has somehow come back with falsified documentation for the account that I am attempting to dispute. I am a good citizen with a clean record and otherwise perfect credit score looking to buy property within the next few years and I do n't want my future to be severely hindered by this falsified credit report due to Paramount Recovery Systems. Attached is the copy of my credit report including the falsified account by Paramount Recovery Systems. Please note everything else on my credit history is completely perfect and I have never missed a single payment in my entire life.
06/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33771	Web
TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS 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 PARAMOUNT RECOVERY SYS 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 ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
10/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web
These accounts do not belong to me Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX
08/02/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77433	Web
Today, XX/XX/XXXX, a new company in XXXX Texas called me about an old debt from XXXX which I have disputed many times and waited for it to be deleted from my credit report. The collection account was deleted from the credit report per the fair reporting standards and have been off the credit report for almost a year. Now that I am currently seeking to purchase a home and in conversations with lenders and getting praised for demonstrating good progress with my credit worthy, someone ( who is invading my privacy ) is deliberately trying to defame my character and sabotage the current praise and opportunity by bringing up old debt that was disputed and expired from my credit report. Someone has even went so far as to target me by searching for the old debt to purposely transfer it to a new company who would pursue and/or recreate the account to restart the derogatory reporting to the credit bureaus after previous debt collector removed it. This is all to directly sabotage or threaten me during my attempt to purchase a home. When speaking with their representative she explained that they were a new company assigned to the debt in XX/XX/XXXX and that they have not been in contact with me because they just got the account and finished the waiting period. She also threaten us by saying that they do have the right to restart the process of reporting it again to the credit bureau and that it was not called re-aging. I begin questioning why they have all of a sudden contacted me now after having the debt for over 5 months and the debt was over 6 yrs old. I explained that we have disputted this account with the previous debt collection companies and with the hospital and ask not to be contacted about this inaccurate bill that no one could verify or justify in the hospital when disputing the bill. I believe that this may be one of the reasons why the debt was deleted because they could not verify or justify the bill. So in other words, they are manipulating the law to find a different way by selling debt that has been previously disputed and dropped from a credit report - all to restart a process- to target or harass a person they want to sabotage.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.
05/21/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63136	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
03/26/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38104	Web
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against Paramount Recovery for committing identity theft. I have never given ( Paramount Recovery ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ( Paramount Recovery ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Paramount Recovery ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Paramount Recovery ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Paramount Recovery ) continues its collection efforts, I will file for litigation for actual damages caused and ( Paramount Recovery ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
05/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23832	Web
Back in XX/XX/2020 XXXX XXXX put on my credit report that I owed them money of {$500.00} and account # XXXX. I then opened a dispute with XXXX for them to obtain proof that XXXX XXXX XXXX is stating that I owe this money to them. I want to see proof that I signed any documents that they rendered any services to me. I then received a notices that the information was not verified and it was removed from my credit profile. The again in XX/XX/2020 XXXX XXXX listed this account with another collections agency. Again I disputed and it was removed from my credit profile. I then contacted XXXX again 30 days ago and they came back as the debit was verified through their computer system not with anything with my signature on that the people rendered service to me. So once again XXXX XXXX has listed this debit with Paramount Recovery for {$500.00}, When I asked the credit to follow the credit law. I was advised by XXXX XXXX at XXXX that it's not their responsibility to get proof that this debit is owed. I then told Mr. XXXX that the unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). After I told MrXXXX XXXX this information he told me good luck with having the information removed from my credit report.
07/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 50023	Web
Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company called me in late XXXX or early XXXX of XXXX. The representative stated that I was in collections for a medical debt in the amount of {$1100.00} and it had gone to them for collection. I asked for more detail about the debt such as date of service, the medical facility and for what services. She told me that she couldn't disclose any of that to me because of HIPPA laws. I told her that if this was indeed my own medical record then I had a right to know what I allegedly owed. She refused to give me the information other than the amount. I then asked to have documents mailed to my address or emailed to me. She told me that she didn't have to send me anything and that I needed to pay this debt immediately over the phone or she would send the police to my house to arrest me. I was terrified, as I am only XXXX years old. I do have medical issues and have had medical bills, but I've always paid them. In a panic and our of fear I gave this woman my bank card number. After I got off the phone with her I told my parents what had happened. They told me to call my bank and cancel my card immediately, which I did. My parent contacted Paramount Recovery and left them a message telling them in detail that they had no right to threaten me. Shortly thereafter, I got a credit alert and saw that Paramount Recovery had reported this as an unpaid collections on my XXXX credit report. I am in the process of disputing this. My parent emailed Paramount Recovery once we saw what the medical bill was for on my credit report and sent them a copy of a cashier 's check showing payment was made in full on XX/XX/XXXX in the original amount owed of {$1100.00}. They continue to call me in an attempt to collect and they have not removed the derogatory report on my credit which has severely damaged my good credit standing.
04/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29414	Web
Paramount Recovery ( XXXX ) is attempting to collect a debt from me. They claim that I owe {$1100.00} for an emergency room visit. Originally I agreed to a one time payment of {$210.00} - using my XXXX Credit card, because I believed they were the company that was appearing on my XXXX credit statement. I reached out to XXXX to confirm, and they could not verify that Paramount Recovery was responsible for any debt belonging to me. Paramount Recovery is attempting to collect a debt of {$1100.00}, from an emergency room visit to XXXX XXXX XXXX XXXX ( XXXX XXXX ) from XXXX of XXXX. However, I was not seen during that time. I was seen in XXXX of XXXX, and I have paid my debt to XXXX XXXX - verified by Equifax that I owed the debt to XXXX XXXX. Once I discovered I did not owe to Paramount Recovery ( XXXX ), I reached out to them and asked for verification letters. I never received them. When I did not receive verification, I contacted them again and requested a claim dispute, and a reimbursement of the payment I had made. They said they would reimburse my account and send a dispute claim letter. I have not received a dispute claim letter or a reimbursement. On Monday XX/XX/XXXX, Paramount Recovery charged my credit card AGAIN for the amount of {$210.00} - without my consent. When I made my first payment, I gave explicit instructions to contact me prior to any new charges, and I told them I would not be making any more payments without receiving verification of debt letters. At this point, they have charged me {$420.00} XXXX only {$210.00} that I consented to - and I have repeatedly asked for a reimbursement on the original charge of {$210.00} - since they have not provided me with a validation of debt owed ). I am very worried they will continue to charge my account. The last charge of {$210.00}, which they made XX/XX/XXXX, was made without my consent.
06/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30904	Web
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I checked my credit report XX/XX/20 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
03/01/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	LA 714XX	Web
On XX/XX/2018 at XXXX PM I received a phone call from a man asking me for my date of birth. I was uncomfortable giving out that information because he would not tell me who he was. He told me the date of birth he had on file and I confirmed it was me. After confirming who I was, he then told me he was a debt collector from XXXX XXXX and that he was attempting to collect a medical debt from me for around {$500.00} or so. I told him that I was not in a comfortable enough financial position to pay the debt at this time and proceeded to get an attitude with me. He told me that it was noted in their system that they had spoken with me at the beginning of the year and that I had promised to pay the debt when I received my income taxes. I didn't promise anything! I told them that I would try to pay the debt with my taxes if I could, but I had to use that money for my sons braces and glasses and that I'm a struggling single mom. I told him that this old medical debt was not a priority for me at this time and he told me that the doctor I used made me a priority when I needed him so I should make paying him a priority! I became extremely offended by that statement and told him I felt like he was trying to give me a guilty conscience. He then proceeded to tell me that he knows I have a credit card and I can use that to pay the debt! I told him that what I use my credit card for is not his business or his decision and not to call me again. I notified his supervisor of the conversation and she said she was going to listen to the recorded conversation and resolve it immediately and that he should not have approached me that way. The debt was from an emergency room visit before I had medical insurance and the local charity hospital had been closed. The ER visit was for a minor medical issue. but I did not have a regular physician at that time to go to.
06/10/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 20832	Web	Servicemember
On XX/XX/XXXX, I got an email saying I had a change to my credit score. I logged in to find my score had gone down some 90 points due to a new debt on my report. Some company called Paramount Recovery Systems based out of XXXX, Texas. I never received any direct correspondence from them. No phone calls, no letters, no email, nothing. I had to look them up and call them. After speaking to them briefly, I decided to call the hospital in which this debt seems to be for. I had some confusion a year and a half ago over a radiology bill from an ER visit in XXXX of XXXX, and I was able to get it taken care of through the help of the hospital and the Department of Veterans Affairs, which I have my health insurance through. I spoke with the hospital 2 days later, around XX/XX/XXXX, and they informed me that I do not have any outstanding debts with them. I further followed up with the Radiology billing department that is separate from the ER billing, and I asked what debt collection agencies they go through. Paramount Recovery is not one of them. They have never heard of Paramount Recovery Systems, and also told me they have not sent anything out to collect a debt from me. I called this suspicious debt collector back and informed them what the hospital said. The lady I spoke to was extraordinarily rude, and insisted I did not know what I was talking about. I asked her, " Ma'am, how do you know more about the hospitals billing than the hospital? You're based out of Texas, I am here in Maryland? '' Her response was " I've been doing this for 20 years, I know what I am talking about ''. Upon checking their reviews on XXXX, Paramount Recovery has XXXX stars and many folks who have similar stories to mine. This seems to me like a clear scam, and I am in the process of disputing this with the major credit bureaus so I can get my score fixed.
09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 190XX	Web
I have notified XXXX in regard to the paramount account resulting from identity theft since the beginning of XXXX. I previously filed a complaint with the consumer financial protection bureau against XXXX and paramount recovery in which paramount stated that they have closed that fraudulent account and requested it to be removed. I am filing a new complaint because both transition are violating my rights under the fair credit reporting act. This account with the account # XXXX needs to be blocked and removed from my credit report. This is my last attempt before I file a lawsuit against XXXX to pay for all the financial damages this ongoing problem has caused. Due to FCRA 605B ( 15 U.S.C. 1681c-2 ) - Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. due to 15 U.S. Code 6802, 1681a, and 1681o - Me being the consumer has stated previously that this account is a result of identity theft therefore I was never given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. This account is in violations of both 15 U.S. Code 6802 and 1681a and it needs to be removed or because of 15 U.S Code 1681o I will have the right to sue for the financial damages that these violations have caused. Due to 15 USC 1681 section 604 A Section 2 : - It also states a consumer reporting agency can not furnish an account without my written instructions
07/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 36609	Web
In XX/XX/XXXX, I went to hospital emergency. After visit, due to my financial situation ( I was unemployed ), I filed for indigency. The hospital wrote off their portion ( attached proof ), and I also have a confirmation number written on bottom of hospital bill that XX/XX/XXXXwas going to follow hospital indigency application ( all bills follow indigency applications ) and write off their amount due. This confirmation number is written on hospital bill I have attached. For some reason, florida emergency continues to send it to collections and it has been reported to my credit report on XX/XX/XXXX, XX/XX/XXXX ( proof attached ), XX/XX/XXXX and XX/XX/XXXX. I have successfully had this disputed from my report except fro XX/XX/XXXX when I depended on an experien employee and that was my mistake. XX/XX/XXXX collection fromXX/XX/XXXX thru paramount recovery remians on my report due to experiens negligence. I have disputed this again. More issues with this are that : amount is incorrect and has been since beginning ( see attached proof ). This bill is from XX/XX/XXXX and therefore is too old to be on my credit report ( again and again ). Paramount recovery is fraudulent in stating that open date for this bill is XX/XX/XXXX. It is XX/XX/XXXX. I have also included a word document that states these items and was used for XX/XX/XXXX dispute to experian. I want paramount recovery to stop seeking collection and have it removed from my report. I want florida emergency to STOP sending it for collection since it is fromXX/XX/XXXX. I want experian to be more aware and watchful of items that come onto my report and see that if it has rightfully been written off before, it should not appear on my report to start with.
06/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web
The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as PARAMOUNT RECOVERY SYSTEMS. The following information is being reported on my credit reports see below. PARAMOUNT RECOVERY SYSTEMS Agency Address : XXXX XXXX XXXX XXXX XXXX ' XXXX, TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$970.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$970.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.
02/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75063	Web
XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.
07/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38133	Web
I have suddenly had a collection item from Paramount Recovery Systems appear on my credit report stating I owe a balance from an emergency room visit over 5 years ago. I have never received anything from this collection agency and this charge was disputed directly with the original company 5 years ago because it was not billed correctly through my insurance. The date of the visit was XX/XX/15, and I went to the ER after slipping on ice after winter weather because of concerns I may have XXXX XXXX XXXX. My insurance, the same policy I have had for 10 years, covers all emergency room visits resulting from an accident at 100 % with no copay or deductible. Since my visit was due to an accident, had it been billed correctly to my insurance, I should have owed not even a single XXXX. I received a bill from XXXX XXXX XXXX XXXX for {$350.00} resulting from the visit. I disputed this directly upon receiving the bill and never received ANY response and never heard anything or had this show up on my credit until suddenly receiving notification of this erroneous balance with a collection agency on my credit report more than 5 years after that ER visit. I have disputed this with the collections agency, Paramount Recovery Systems, and the only response is that this is a valid debt. However, it is invalid because the original billing done by XXXX XXXX XXXX XXXX was not sent to my insurance company with correct information. After looking into XXXX XXXX XXXX, it became clear that they have an obvious pattern of fraudulent billing practices due to dozens of complaints over the exact same scenario of insurance companies not being sent accurate billing information.
02/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97233	Web
In 2019, I pulled up my own credit report to view my information. I had found a collection account by name of : Paramount Recovery, reported for medical debt that I was unaware about. I contacted the the company with the information from XXXX XXXX website that stated Paramounts name and phone number. They clarified the debt was a medical debt, I then asked I had never received a noticed, did not know I even owed this debt. The debt was due to a motor vehicle accident and the insurance had paid all other bills on my behalf, and all of the bills on time. If I was aware of this debt, I would of had the insurance pay it in a timely matter. The collection agency covered for a company that had a change in ownership, which caused them to never send me a notice of any bills, or even any attempts to collect the debt. No phone calls, or voicemails were left in that matter as well. I had to make multiple attempts to contact the debt collection company, and speak to multiple different people at their company in order to request an invoice. I had to collect an invoice independently, as they requested it from their client but stated it would take weeks to receive. I contacted XXXX which is the company that originally holding the debt, they then were supposed to send the invoice for the physician bill, but the company XXXX then sold to envision services. The insurance company has now paid the debt owed - I had confirmed the check XX/XX/2019, from XXXX with check #, picture of check, and date check was cashed, to the collection company, but it is still being reported on my credit report as closed, but it is still affecting my credit score, as it is not removed.
01/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33020	Web
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PARAMOUNT RECOVERY SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PARAMOUNT RECOVERY SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.
05/28/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 79934	Web
On Thursday XX/XX/2020 Paramount Recovery contacted me stating that I owed a medical debt from XXXX XXXX XXXX XXXX in the amount of {$1200.00}. I spoke to a old female over the phone. She stated how did I want to take care of the debt, and responded that I already dispute the account multiple times and that credit agencies have removed the account before. The representative stated this debt was moved to a new office, and this is why the collection reappeared on my credit report. I stated that if Paramount Recovery wanted me to accept responsibility for the debt that I wanted a detailed billing statement of the charges from the original " doctor visit '', and not some generic letter head from the collection company with the amount they are attempting to collect. I have spoke this company on many occasion, and stated that I was requesting the debt to be properly validated. Multiple time the collection agency states that they are going to send validation in the mail, and it is going to take up to 30 days to be received. During this time the collection agency is holding my credit and credit score hostage negatively affecting my financial situation during this world pandemic. They purposely drag their feet by taking their time to resolve this matter as a dirty tactic to try to get me to settle the debt out of frustration. Finally, but not least they are very rude over the phone. They state that this debt is my responsibility, and they don't have to provide any proof that the debt is mine. They always pass me along to another line that has no one on the other end of it, or they just hang up, because they don't have the proper answers for me.
05/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 298XX	Web
Paramount Recovery SYS started reporting on all three of my credit files back onXX/XX/XXXX. I noticed the hits back in XXXX I started disputing the suppose debt immediately. I tried calling the company line was always busy XXXX XXXX the XXXX I tried calling the company again and was successful with getting a agent on the line. The agent I spoke with stated that she did see an account however it was close and deleted off all three files. She validated the account and confirmed it was for {$730.00}. At that time I thought this account would be close and removed since I never received and responses from dispute letters sent to creditor and the credit bureau. On XX/XX/XXXXI contact Paramount Recovery to check the status of the account being removed and the agent I spoke with told me this account was not close and only in a dispute status. When questioned the agent said the debt was transfer from another debt collector and it was limited info. I was never notified of this account via letter or phone call. The agent stated a letter was sent out back XX/XX/XXXX. I never received anything. I ask the agent what information was sent out in the letter she stated she had no idea. I asked the agent how can your company place something on my credit file and never reply to my dispute letters or send me any information regarding the debt. The agent said you have to request an itemization well I did when I disputed the debt. The rep confirmed the company received my disputes from the credit bureau only and not from me directly I submitted to them both. The agent confirm the letters were receive XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
12/27/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30213	Web	Servicemember
Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 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 office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
07/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 184XX	Web
I first knew about the " debt '' when it went on my credit report on XX/XX/XXXX. I never recieved a letter to notify me of the supposed {$310.00} debt. I called Paramount Recovery Systems immediately after I noticed it on my credit ( the same day it went on there, XX/XX/XXXX ) and the woman I spoke to told me that the only thing I could do was " pay the debt, there is no other way to get rid of it ''. Obviously I know this is a lie, I soon contacted the originator of the debt and they no longer use the company that reported the debt. I contacted my insurance company and they informed me that the bill was paid back when services were rendered in XXXX. I immediately had the insurance company send proof of this to Paramount. Paramount confirmed the receipt of the EOB to me personally on XX/XX/XXXX, and even provided the name of the person from my insurance company that sent it. Since then the account has been removed from only one ( 1 ) of my credit accounts. After noticing this I immediately disputed the account on the remaining two ( 2 ) credit accounts, and Paramount told both that the account was accurate. On XX/XX/XXXX I had my insurance send another EOB to paramount with me on the line as well. Now it is fifteen days later, and nothing has changed with my credit accounts. I haven't heard from paramount, and they do not pause the account while " confirming the accuracy of the account ''. This has now been damaging my credit exponentially for nearly two ( 2 ) months and has been reported as " late '' every month since XXXX. I would like assistance in getting this cleared, because this is damaging my livelihood.
09/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27804	Web	Older American, Servicemember
On XX/XX/XXXX I contacted Paramount Recovery in regards to this debt. They informed me it was a medical debt for an ER visit on XX/XX/XXXX. The initial company that filed the collection action was XXXX XXXX XXXX who were contracted by XXXX XXXX XXXX when asked why XXXX XXXX XXXX wasn't the one persuing the debt they informed me that the debt been passed along to different collection agencies for the last 5 years. I contacted XXXX XXXX XXXX XXXX and they informed me that they had it documented that I was seen in the ER on XX/XX/XXXX and was a self-pay. At that time I had full medical coverage through XXXX XXXX XXXX. The billing department has stonewalled me when I have asked to speak to a manager or supervisor. The sad part about it is that I was an employee at XXXX from XXXX to XXXX. I was in XXXX XXXX bankruptcy from XX/XX/XXXX until it was discharged in XXXX of XXXX. I had debts from XXXX XXXX that were included in my XXXX XXXX. These collection companies could have petitioned the bankruptcy court, but since it was an unsecured debt they didn't. Under North Carolina Medical Debt Laws NC Gen. Stat1-52 ( 1 ) ( 2020 ) medical debt statute of limitations in XXXX XXXX is XXXX XXXX and begins from last payment activity or the date on the bill. I have never received a bill or statement from the provider, XXXX XXXX, or Paramount. XXXX XXXX was the provider and he is no longer with XXXX and I've searched his name and can't find anything on the internet. The other thing about all this is that I was working that day at XXXX.They also should have has my insurance information from when I was an inpatient ther in XXXX.
07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75205	Web
I have disputed a debt with XXXX 5 times with a response that the account being reported on credit report has been verified and is accurate. I called XXXX today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called XXXX back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to XXXX and XXXX and the company provided asking to be provided with viable evidence this is my account but I get nothing but an XXXX agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that XXXX hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is Paramount Recovery System with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
02/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92691	Web	Older American
In XX/XX/2015 I went to the Emergency services at XXXX County Hospital to have an examantion of my hip after falling. I had xrays and consulation fromthe attending personal. I never saw a XXXX XXXX who put his name on my record. I had my XXXX card presented and a little later I got a notice that my Hospital had been paid by XXXX. Now just recently I had my credit report done and found a negative issue about an outstanding medical bill that was in collections. I went to the Hospital to investigate and found that my bills had been paid in full by XXXX. But there was one bill that was separate from their billing and it was from a XXXX XXXX. I found out that XXXX XXXX tired to bill my XXXX, but had waited to long in his request and XXXX refused to pay. Then he tried billing me at an incorrect address for the charges. As a results I never received any billing, because he was sending it to an address that I didn't live at. After never getting a repsonse from me her turned it over to a collection agency in turn reported it to my credit report as none payment. ( Paramount Recovery Systems out of Texas ) I reported my dispute with 2 Credit Reporting Agency ( XXXX and XXXX ) and had the negative issue delete from my credit Report. I am waited for a response from XXXX on my dispute. I would like this collection agency to stop reporting a negative issue on my credit. I feel it was not my problem that the Dr. failed to get his money, I sure XXXX would of paid his bill. In closing to the best of my knowlege I do not remember seeing this XXXX XXXX, and believe he tired to tack on his charges to my injury.
02/08/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 76013	Web
On XXXX XXXX, 2016 I received information from paramount recovery systems. In the packet that I received was information that is a violation of HIPPA. This information was giving to a third-party which was an attorney speaking on my behalf. Who then gave the packet to me, once they noticed that it contain diagnoses and medical information that should n't been released. For example they have access to information that is currently being handle by third party insurance company, which was to due to an automobile accident and was handled accordingly. This incident happened on XXXX/XXXX/2016, and they should n't have access to this information and the original creditor stated that they should n't have that information since they did n't send that information to them nor should they be sending this information when it is not a debit. I have contacted the original creditor who has told me that they do not released medical information due to HIPPA regulations and the only information that they will release and what I should 've gotten from them is the medical bill that show the amount, who the doctor and a what each produces cost. They stated that should be no reason why they have any medical information. I even contacted the hospital and they stated they do not release medical information without permission. I looked over the document and had an attorney look over the same documentation and nowhere did I sign for my medical information to be released to a third party collection agency. Nor did I sign or agreed that my medical information to be used as means to collect a debit or debit validation.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 190XX	Web
XXXX was notified since XX/XX/XXXX that the paramount recovery account on my transition credit report was a result of identity theft. They received a valid FTC report for the identity theft account and failed to block the account with 4 business days as the law under section 605b of the Fair Credit Reporting Act requires them to do so. Transition is not complying with the law and i need the CFPB to intervene and request that transition comply with the requirements under section 605b of the fair credit reporting act. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 770XX	Web
These Accounts : 1.PARAMOUNT RECOVERY SYS. XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
05/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web
I noticed an entry on my credit report dated XX/XX/XXXX from a company called Paramount Recovery Systems. The debt original creditor was XXXX XXXX XXXX XXXX. I called Paramount to ask what this was for and they said for medical services received in XX/XX/XXXX. I asked when and to what address they sent the first notification of the debt to me, and they had the wrong address ( which was unknown to me how they obtained the address ). So I advised them they are in violation of FCRA law because they were aware they had the wrong address especially due to the returned mail, yet, they placed the entry on my XXXX credit report anyway. I contacted their client XXXX XXXX XXXX XXXX and they admitted to sending the account to them with the wrong address. They claimed they had nothing to do with the credit reporting, and I would need to speak with Paramount with regard to the debt. So, the rep I spoke to at Paramount said she would begin a research request and said I would be transferred to a supervisor. I am not sure if that actually happened because she just transferred me to a general mail box. I did leave a message however. I then used their contact us link on XX/XX/XXXX ( same day as the voice mail I left ) and on XX/XX/XXXX. I explained just as i have here that it is illegal what theyve done but they refused to admit fault or correct the issue. I also looked their company up on the XXXX and they appear to do this often to consumers. To date Ive not gotten an email or phone call in regards to the matter.
10/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07731	Web
Paramount Recovery System, a collection agency, simply showed on my credit reports XXXX 2017. I contacted them by researching their phone number and provided the account number listed on my credit report. This was the very first time I had ever been informed about this debt. I spoke with a representative who informed me the debt was from medical facility 6 years prior to the current date. Paramount had an address on file where I had not resided in 15 years. I provided them with update information including my current address. I asked them for proof that I owed this money in the amount of {$1100.00} and I will make payment arrangements. I was advised to go directly to their website www.paramountrecovery.com where i would be able to see an invoice that outlined the debt. Therefore, I visited their website as instructed and the site only accepted payments and did not provide an invoice or any indication that I actually owed the debt. I then contacted Paramount again and requested a copy of the invoice be USPS mailed to my address. To date I have not received an invoice just additional letters demanding more the monies. I contacted them several times more and they just wanted to offer settlements of 50 %. I do n't believe I owe this money and Paramount has not provided any proof to indicate that is a legitimate debt. They are now threatening to take additional legal action if the debt is not paid or settled soon. I never offered to settle the debt, just asked out of curiosity. Thank you.
05/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Web
On XX/XX/XXXX, as I checked my XXXX XXXX account, I noticed that a 'derogatory remark ' was added to my credit reports from XXXX and XXXX . The collection agency that placed the 'derogatory remark ' on my credit reports is Paramount Recovery, which is located at XXXX XXXX XXXX. , XXXX XXXX, XXXX , TX XXXX. I immediately sent a debt validation letter ( certified mail with return receipt ) to Paramount Recovery requesting validation of the debt as well as HIPPA authorization due to this being an alleged medical debt. Paramount Recovery acknowledged receipt of my debt validation letter by signing the certified mail return receipt ( green card ) and dating it for XX/XX/XXXX. The representative from Paramount Recovery who signed the certified mail return receipt was " XXXX XXXX. '' From XX/XX/XXXX until present, I haven't received any communication from Paramount Recovery regarding my debt validation letter or have received any of the requested information stated in my debt validation letter. Paramount Recovery did temporarily delete the 'derogatory remark ' from both credit reports ( XXXX and XXXX ), but reinserted the 'derogatory remark ' a few days later. I have NEVER received any proper/prior written notification from Paramount Recovery regarding this account. They just one day decided to insert this 'derogatory remark. ' Also, they have placed this 'derogatory remark ' on my credit reports without any account number from the original creditor.
04/25/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29646	Web
I received an alert that my credit files had been flagged/updated by Paramount Recovery Services Systems XXXX XX/XX/2022. Paramount Recovery Services Systems are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Paramount Recovery Services Systems, and I do not know how Paramount Recovery Services Systems received my private medical information. Paramount Recovery Services Systems do not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Paramount Recovery Services Systems . My HIPPA rights have been violated. I am not a party to any agreements that Paramount Recovery Services Systems may or may not have with XXXX XXXX. I am not responsible for Paramount Recovery Services Systems purchase / transfer. Paramount Recovery Services Systems reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. Please be advised that neither Paramount Recovery Services Systems or XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33033	Web
According to PARAMOUNT RECOVERY SYSTEMS, there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( PARAMOUNT RECOVERY SYSTEMS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. According to XXXX, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. XXXX responded with a letter ( see attachment ) showing only a balance and service date. XXXX failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditorXXXX XXXX XXXX released my medical records to this third-party collection agency ( XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.
04/06/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33401	Web
PARAMOUNT RECOVERY SYSTEM Had bought 6 medical bills that are over 7 years old THEY WERE NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) and they were removed from all 3 of my credit Bureau 's back in 2019 it took me several yrs to get them removed because they were never mine in the 1st place at all ... They were just put back on all 3 of my credit reports and even updated to being new as of last month I contacted all 3 Credit Bureau 's and XXXX XXXX did remove them but XXXX and XXXX only removed 3 of them I asked them to remove them they said they are mine and they are new I tried to tell them no they are not mine and they were removed/ deleted off my report back in 2019 and just put back on in XXXX of this yr I fought for the last 7 yrs or more to get them off my credit report and they finally took them off because they wee not mine then PARAMOUNT RECOVERY SYSTEMS just bought them updated them and put them on my credit report as new XXXX and XXXX will not listen to me I TOLD THEM GO BACK AND LOOK THE WERE REMOVED HONESTLY and I have been trying to get them removed again for the 2nd time, I was told once they are removed or deleted, they can not be put back on But they are back on and I worked so so hard over several yrs to get them removed they came back on again PLEASE I BEGG OF YOU CAN YOU PLEASE HELP ME AGAIN TO GET THESE REMOVED THEY ARE FROM XXXX LOOK AT MY REPORT I PAY ALL MY BILLS ON TIME THANK YOU
03/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA XXXXX	Web
I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Paramount Recovery. Paramount Recovery placed a collection account on my XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. Paramount Recovery did not provide any documents or evidence to verify the account, but instead XXXX kept the account on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Paramount Recovery did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
04/05/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 85015	Web	Older American
I received a letter in the mail from Paramount Recovery Systems saying I owed {$350.00}. It did not state who I owed the money to, it did not state if it was a credit card company, it did not state the creditor at all. Neither did they provide any kind of account number. The letter was not asking for any personal information, but it did contain a small form to fill out and send back which I did. The only information on the form was my address which apparently, they already have. The amount stated was an exact figure which is a red flag to me. There are no cents in the amount. There were boxes to check for actions to take. I checked the box that stated I don't believe this is my debt, I checked another box that stated I want to know who the original creditor is. It seemed legit until I looked up the company on the XXXX website. It appears to be an accredited company that has been operating for 20 years but when I looked at the customer reviews, there was nothing but bad reviews and complaints that Paramount never provided the information the customer requested and continued to insist they owed the debt. I think what they are doing is fraud. If they can't or won't provide information that will validate the debt, that means more than likely, they don't have it because the debt is not valid. I would like this company investigated and every case they contrive investigated as well.
09/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77493	Web
issue is a fraudulently reported collection account my credit report for a mortgage has a collection account that is not mine. i contacted paramount recovery who over hte phone verified full name date of birth and ssi number none of which match my information and the lady i spoke to verified it was not me. however they said it would take 6 weeks to process the account to have it removed i reiterated that this fraudulent account ws affecting my ability to get a home loan then i asked for a manger. XXXX XXXX came on the line and he refused to reverify and stated " anyone can make up ssi numbers date of birth " which i replied i have sent you my ssi card and texas drivers license its not me. he refused to cooperate and have this account removed from my credit report. He was extremely rude and hostile. he verified the original creditor is XXXX XXXX XXXX- i spoke to a nice lady XXXX XXXX XXXX XXXX who handles the billing for XXXX XXXX XXXX XXXX who stated none of my information was in her system she stated that she is unable to contact the collection agency but that once they are contacted then she will verify this account is not mine its someone else. they wanted me to pay this debt even though its not mine i need to get my home and they are preventing me from doing that by fraudenlty reporting debt that is not mine and holding me hostage
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # : XXXX and XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
04/08/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 76148	Web
Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.
01/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 841XX	Web
I had to go to an emergency medical care on XX/XX/XXXX and my insurance benefit was {$100.00} deductible in case of emergency. I have all of my documents showing that my insurance paid all of the payments ; they took some extra time for the payment as I claimed lately. Recently, " PARAMOUNT RECOVERY SYSTEMS '', a debt collector called me regarding one of the unpaid payments and I told them my insurance has already taken care of them. They charged a derogatory point on my credit score for an unpaid payment of {$1100.00}. I have contacted them via email/ phone and sent the 'Explanation of Benefits ' for that claim via email ( XXXX ) as well as postal mail ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) ; tracking information ( XXXX XXXX XXXX XXXX % XXXX ). Initially, they claimed that they didn't get my email, however on XX/XX/XXXX they assured the recipient of the email containing my EOB. Afterward, I emailed and called several times to their associates ( whom I talked to before XXXX and XXXX ), they didn't respond and solve the issue. Therefore, I would like to formally place a complaint against them as they do not solve the issue whereas the payment has already been paid on XX/XX/XXXX. For reference, I am attaching the corresponding EOB and the email communication with the debt collector.
09/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27295	Web	Servicemember
I Have made numerous calls to get information on a separate debt after pulling credit report. Contacted debt collector listed and provided my current address and phone number. I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. When I contacted them today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$34.00}. I stated that my credit report showed something else and that is when she stated I had this one too. When I explained that I was not aware of this bill nor does it show on my credit report the agent told me I still had to pay it. I spoke Paramount Recovery to a XXXX today XX/XX/2022. I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX XXXX, myself and Paramount Recovery. This is not the case. I have not signed any documents with Paramount Recovery ever.
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33073	Web	Older American, Servicemember
For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. My credit score has a result been bouncing up and down from good to fair or worse. e.g. Last month my credit score went from a XXXX to XXXX ( XXXX point drop ). Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. The name of the collection agency currently showing this item is Paramount Recovery Systems - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX - address?
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75159	Web
Paramount Recovery and XXXX XXXX are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. XXXX NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all. I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe Paramount nor do I owe XXXX. DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
08/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications .1 PARAMOUNT RECOVERY acct. # XXXX bal. {$1700.00}
10/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web	Older American
On XX/XX/21 I received an alert from XXXX that there was a collection account added to my credit report. Paramount Receovery Systems is the collection agency. The company that I supposedly owe the {$1700.00} to is XXXX XXXX XXXX XXXX XXXX County which I never heard of until this morning. I XXXX XXXX XXXX XXXX and they are permanently closed. So I looked at the reviews on the XXXX XXXX XXXX and everyone of the reviews was a complaint about fraudulent collections and identy theft. I proceeded to call Paramount the collection agency to inform them this is a fraudulent collection claim against me. The first rep I spoke with was understanding. After being put on hold another female rep come on the phone. I explained I have no idea what this is. I have never been to an urgent care med center and I have the same family doctor for over 20 years. That female rep had the audacity to ask if I can prove account is fraudulent. I explained to her all the complaints of fraudulent collections from XXXX XXXX XXXX and her response was we don't verify that information. What??? After that back and forth she finally said we will enter a dispute. Bottom line this is a fraudulent collectiosn claim which is now on my credit report. I have already filed a dispute with XXXX.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33009	Web
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : Paramount Recovery SYS Account number:XXXX Account name : Paramount Recovery SYS Account number : XXXX 15 U.S.C 1681 Section 602 A4. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 b- permissible purpose. 15 U.S.C 1681 E- compliance procedure.
08/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75071	Web	Servicemember
I had a bill through XXXX XXXX XXXX XXXX in XXXX, Texas. I called them on XX/XX/XXXX regarding this matter. The original amount was covered by insurance.There was a patient responsibility amount for {$40.00} which was also paid. XXXX realized their error and my insurance, XXXX XXXX XXXX issued a check # XXXX on XXXX, XXXX, XXXX to bring the account to a {$0.00} balance, paid in full. I received a letter from XXXX XXXX XXXX on or around XX/XX/XXXX. I notified Paramount Recovery Systems collection company ( a XXXX XXXX ) on XX/XX/XXXX that the debt was paid on XXXX, XXXX, XXXX, prior to any collection attempts or credit reporting and also provided the check number. I called XXXX, again, and they have informed that I have a {$0.00} balance on all accounts, new and old, in their system. The account number that they gave me is completely different than the account number Paramount has listed. Paramount Recovery refuses to update their records to show paid and have placed a collection amount of {$640.00} on my credit report. I've called them numerous times stating that the information that they are reporting is inaccurate. They refuse to update and therefore I am requesting that they remove this item from all 3 credit bureau reports immediately.
08/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 298XX	Web
My mother was contacted in XXXX of this year concerning a medical debt that was filed 2 years ago by a physicians billing. The lady told my mother that she knew she was my mother - that she knew where I lived and worked- and if I didn't pay my debt that they would send someone to my job to collect. Not only did they call my mother but they called my dad 's work phone stating he was dad and that he had to notify me of my debt. Then they called my brother who is married and does not live in the same home telling him the same thing. I did not appreciate that they shared my debt with my parents and brother. Besides this debt was medical bill that never should have been sent to collections in the first place which I tried to explain to the lady. I have been on south carolina XXXX for 14 years. In south carolina you can not bill a XXXX patient. So I have no record that they ever sent me a bill. They apparently turned it over to collections. When I called the debtor I was told that I have a zero balance with them. I have talked to them and asked them to remove this from my credit report as it dropped my credit score immediately when they filed. I do not owe this debt and I have told them this but it is still on my credit report.
04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33908	Web
paramount recovery system is a fraudulent account on my credit report and i tried to dispute this with XXXX and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX and they both removed it immediately from my report. XXXX XXXXs the only one given me trouble and its not just this account also XXXX XXXX XXXX, XXXX account XXXXthese accounts are identity theft and are fraudulent activity that i reported to XXXX and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have XXXX tell me that they are not going to remove it XXXX and XXXX both removed it only XXXX is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please
04/06/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89014	Web
XXXX, XXXX, and XXXX have my previous name stored as XXXX XXXX ; however, my name is XXXX XXXX XXXX. This has allowed for two different collections companies to post inaccurate information on my credit reports, resulting in a credit score decrease. # 1 XXXX Only XXXX XXXX for {$3800.00} Actions Taken : They sent multiple letters address to XXXX XXXX prior to adding this to my XXXX credit report. I've sent them all of the backup information proving this is not my account, yet it has not been removed. # 2 XXXX & XXXX Only Paramount Recovery Systems for {$2800.00} Actions Taken : This account was originally disputed on XX/XX/2019, XXXX XXXX XXXX XXXX in the amount of {$2800.00} under the name XXXX XXXX. On XX/XX/2019, it was removed from all ( 3 ) of my credit reports. Immediately afterward XXXX Hospital instructed another one of their collections companies Paramount Recovery Systems to add a collections account for {$2800.00} to all ( 3 ) of my credit reports. Since then I contacted XXXX, XXXX, and XXXX, only XXXX has removed the Paramount Recovery Systems {$2800.00}. I sent XXXX and XXXX all of the backup information proving this is not my account, yet it has not been removed. Please help!
01/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75180	Web
I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization. On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.
09/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web	Servicemember
On XXXX XX/XX/XXXX, after numerous attempts and phone calls with the collection agency, PARAMOUNT RECOVERY, to explain that I was cover under health insurance, XXXX, and I could provide them with the authorization number, it was refused. I then called the original credit collector, XXXX XXXX XXXX XXXX at : XXXX, and spoke with XXXX regarding this collection. I informed her that XXXX was giving the providers until XX/XX/XXXX, to refile the claim. I provided XXXX with the dates of service and the authorizations numbers, in order to, be paid. I also provided her with the number to XXXX, as, they will only speak with the providers. XXXX stated that the company would rather, just remove the amount, from my account. She then reached out to Paramount Recovery Collection Company and tried to get them to remove the collection and they refused, stating that, I was the responsible party, in which, I'm not, XXXX is.I also called Paramount Recovery and gave my permission for them to speak with the original creditor, as well as, the Department of Veterans Affairs concerning my account that is in collections. I would like to have this collection deleted and removed from my credit report.
10/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I submitted letters of verification to the credit bureaus to validate collection and negative accounts on my credit report by requesting and sending me a copy of my signature on contracts with all companies on my credit reports that are showing negative or collections i.e. paramount recovery systems I sent certified letters off to all three credit bureaus on XXXX XXXX, XXXX. I heard back from the credit bureaus stating the account was valid but did not produce a copy of my signature on a contract. I.e. paramount recovery solutions. I received a letter in the mail on XXXX XXXX, XXXX from paramount recovery solutions stating they received notification for validation and attached documents with contained a break down of services I received at a hospital which includes : my name, social security number, date of birth, diagnosis, diagnosis codes, and insurance information. I was not aware that my very personal and private information was contain in these documents that were addressed to me in an erroneous address that could have been sent to the wrong address ( the document had the wrong city ) and my information could have been compromised and may have been comprised.
01/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32164	Web
On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was XXXX on XXXX. XXXX has XXXX XXXX XXXX '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few years I received a call from a collection agency " Paramount recovery " and some man told me that I owe them {$1200.00}. I explained the situation, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX XXXX from me again.
01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33065	Web
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND PARAMOUNT RECOVERY SYSTEMS, XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53212	Web
Account XXXX Upon review of my credit report, I notice that I had 2 new medical collections on my report, One, I recognized, the other, I did not. The collection agency, Paramount Recovery Systems, failed to send me a notice of debt on either collections, giving me the opportunity to dispute the validity of the debt before placing it on my credit report. My credit report states that this account had opened on XX/XX/XXXX. I had not received any services rendered from the original creditor, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX XXXX I reached out to the original creditor to verify this account and they could not verify nor validate that I was rendered services as reported on my credit report. I also contacted the collection agency, in which I could not confirm nor verify because they did not want confirm the record of services rendered. I am not sure if this is just a duplicate account or a case of Identity theft. I am currently in dispute with bureaus. I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with PARAMOUNT RECOVERY SYS, they did not provide me with the original contract as I requested.
08/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38106	Web
I recently received a copy of my credit report, and I noticed a collection posted on my credit report from Paramount Recover System.There has'nt been any documents provided stating this is a factual account. Also, this account appears to be purchased from another company. This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give them written instructions to furnish this on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information sold to transactions or experiences between the consumer and the person making the report.
08/18/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33596	Web	Older American
The original debt belonged to my XXXX year old daughter XX/XX/XXXX. I was not aware of it's existence until checking my credit report in XX/XX/XXXX because the original bill was in her name. I called the collector and paid this debt via " direct payment '' through my bank with the bank customer service agent on the phone line on XX/XX/XXXX The company refreshed this debt as active and unpaid XXXX as of XX/XX/XXXX. They then sent me a letter dated XX/XX/XXXX confirming the debt paid in full with a {$0.00}. balance. Dispite my paying the balance on XX/XX/XXXX, ( and then sending me the confirmation paid in full letter on XX/XX/XXXX ) they reported the account as updated XX/XX/XXXX with the original balance of {$400.00}. as remaining active. They Did Not update the new {$0.00}. balance. I called them repeatedly and requested they update their report. As of today XX/XX/XXXX they still shows {$400.00}. balance unpaid. The correct {$0.00}. balance has not been submitted to my report. This deliberate negligence in withholding updated information has caused me hardship. Please Help Resolve. ASAP! XXXX XXXX XXXX.
04/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29621	Web
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Paramt Rec I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44130	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
04/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 787XX	Web
So my debt was transferred from XXXX to pallino asset management. At that time back in XXXX I worked out a deal with them to pay the debt. {$890.00} was owed and I paid some thing like XXXX. The debt was cleared and everything was fine. Almost 2 years later in XX/XX/XXXX I received a letter from Paramount recovery systems saying I owe {$890.00}, the same amount that XXXX XXXX XXXX said I owed. When I contacted Paramount recovery systems they said I needed proof from XXXX XXXX XXXX that the debt was paid if I were to have it removed from XXXX XXXX because they said XXXX transferred it over to them. No matter what time of day what day of week or anything I called, I wait on hold and then it goes to voicemail. No one answers ever but it also says they are open. No one calls you back, nothing. If you XXXX them, every review on there also says they are always closed. How am I supposed to get record of my payment if you cant get anyone on the phone ever? Its absolutely absurd that the CFPB would allow a company like this be in business if consumers issues are not addressed. This has caused damage to my credit.
03/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32712	Web
My complaint is regarding two companies known as Paramount Recovery AND XXXX Hospital their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX credit file. This is not my account and i want it removed from my XXXX files permanently Paramount Recovery S Opened XX/XX/2019 {$490.00} Original creditor : XXXX HOSP Creditor Information PARAMOUNT RECOVERY S XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
01/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75044	Web
I have contacted Paramount Recovery in the past on regards to this medical debt from XX/XX/2014. In the conversation I wanted the account off my credit and advised the credit bureaus that I dispute the debt because I truly have no idea who this Dr. XXXX XXXX is and no recollection of any services rendered. Yes, I did want to resolve it just to get it off my credit, but the agency has failed to prove these services were rendered to me. They sent me a standard collection letter. When I contacted them this week, they could not provide any details. They did not know if I had insurance, if insurance was filed or what service this doctor so call rendered to me. I was flat out told that they do not have any of those documents available. I have seen no documentation with my signature or photo identification proving this debt truly does belong to me. I have disputed with the credit bureau and they keep saying that the debt is valid. How did they validate if the agency doesnt have any documentation? I need this debt removed from my credit report for lack of proof and validation.
09/07/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
XXXX, 2015, I was injured in a car accident. I hired an Attorney, who acted on my behalf. All bills were paid relating to the accident accept the Medical provider who did not bill or provide the data to my Attorney timely or bill my insurance. My insurance company pays 100 % of XXXX. Record shows the hospital has my data on file as well as insurance. The hospital was paid in full. I spoke with personnel XXXX, who has yet to send me the itemized listing or services rendered for XXXX. This info remains and is affecting my credit. I called the Collection Agency, who made note. XXXX should be held accountable and liable for not reporting and filing with my Insurance company. The appearance on my credit report is viewed negative. I do not recall services rendered for the days indicated below. If I owe why was the insurance company not billed and the data turned over to a collection agency? This in general is the responsibility of the patient, initially. however, the Medical provider must do it 's part and bill. XX/XX/XXXX - {$640.00} XX/XX/XXXX- {$490.00}
10/05/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VT 056XX	Web
I have tried to dispute this debt three times on XXXX. I have gotten it removed from XXXX and I am working on getting removed from XXXX. This debt popped up on my credit report in XXXX of XXXX for the first time. It is from XX/XX/XXXX and they keep reporting it as being from XX/XX/XXXX and it damages my credit preventing me from getting a mortgage. From what I understand this fits the definition of re-aging. A debt collection company buys an old debt and then puts it as a new account hoping I will pay it off. This debt is from XX/XX/XXXX and I am going to wait for it to fall off of my record. It is not fair that they can do this and despite me disputing it three times, it stays on there without being fixed. All I want is for the debt to be reported accurately. I don't even care if it is removed or not, just put that it is from XX/XX/XXXX and not XX/XX/XXXX. I never made any sort of payment on it or anything so they cant say that restarted the time either. I've never even been notified of this debt.
01/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 797XX	Web
There is a medical debt in my credit report. I received a phone call from a collector ( paramount ) several months ago. I asked what the debt was in reference told. I was told it was in reference to a XXXX center in XXXX, Tx and was given a date a couple of years prior in the month of XX/XX/XXXX. I was told it was an anesthesia debt. I did not have any procedure at that office that would involve anesthesia. I immediately called the XXXX XXXX in XXXX Tx ( XXXX XXXX, who is my XXXX ) to check for any outstanding debts. I spoke with a billing clerk who located the last date I visited. It was confirmed that no outstanding balance that was owed. Paramount called back a few days later and I informed them of the information above. I did not hear anything further from them. I noticed my credit score drop, checked and found that this debt was on my report. It is not a valid debt, it is not a procedure that I had, furthermore, the office confirmed I did not owe, nor had they submitted any debt owed to them.
01/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 299XX	Web
on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Paramount Recovery System to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company Paramount Recovery System the account is still active the account Paramount Recovery System did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA
10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32927	Web	Servicemember
On XX/XX/XXXX I rcvd an alert on my credit bureau. It showed Paramount Recovery System for XXXX not familiar at all. I called Paramount, spoke with XXXX. She said, it was a debt from XX/XX/XXXX with a local hospital. I told her, I needed something to verify this debt. She told me, it would be sent that day, to date. I have not received. This is something from 4 years ago.? I have never been contacted or sent any correspondence regarding EVER!! They haven't validated it, as requested. Contacted XXXX to dispute. It is still on my credit. I checked my XXXX today, the date this would be on my credit was changed to XXXX. Well pass the 7 years, from the original debt in question. How, would this be allowed on any credit report.? XXXX will not remove this account. How, they can validate a debt with these people, but I can't get a validation is ridiculous, XXXX, told me to file here, with consumerfinance. Paramount, seems to pull this all the time, according to the XXXX online complaint report
05/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web
Company attempted to fraudulently collect on a debt not owed nor opened on dates reported on my credit report on XX/XX/2022. I was alerted of a data breech regarding my personal information on XX/XX/2022, from a company ( XXXX XXXX ) out of XXXX, Texas and almost exactly a month later a company ( PARAMOUNT RECOVERY SYSTEM ) also out of XXXX, Texas tries to fraudulently collect on the same exact account I gotten removed no letter of this debt or original contract of proof was ever sent to my home address! This collection agency has called from several different fraudulent numbers harassing and not stating accurate information! XXXX already deleted off my credit report on XX/XX/2022 but the company attempted to report to XXXX I disputed that. Today XX/XX/2022 i got an alert from XXXX and i just disputed that according to XXXXaw code 15 USC 1692 PARAMOUNT RECOVERYXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX is in direct violation of reporting false inaccurate information on my credit reports.
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77024	Web	Servicemember
The XXXX XXXX XXXX has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor has the date from XXXX or earlier and not the open date that XXXX XXXX XXXX has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. The Same actions have been taken by PARAMOUNT RECOVERY SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.
05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
ACCOUNT NAME PARAMOUNT RECOVERY ( Original Creditor : XXXX XXXX XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
02/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33150	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76903	Web
Paramount Recovery Systems Collections account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. Paramount Recovery Systems Collections account is VIOLATING The HIPPA Acts of 1996 by providing and disclosing personal information to XXXX & XXXX. This is a violation of my consumer right to privacy by having Paramount Recovery System listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.
01/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75006	Web
I noticed a collection on my credit report after applying for a mortgage. I contacted the credit bureau and they responded that it had been verified by Paramount Recovery Systems and to contact them for more information. I attempted to contact the creditor, but could not get in touch with them. I wrote a letter correspondence on XX/XX/2018 simply requesting information on the debt they said I owed. I did not get a response. I wrote a second letter and sent it certified. The tracking number was XXXX. It was received by the company on XX/XX/2018 at XXXX XXXX XXXX XXXX, TX XXXX. I still haven't received a response from them. I don't recall this debt and I'm afraid that they may have me mixed up with someone else. I'm attaching the letters for your review. The first address I mailed to was XXXX XXXX XXXX, XXXX . XXXX, XXXX, TX XXXX. The second letter I sent certified to XXXX XXXX XXXX, XXXX, TX XXXX. Tracking : XXXX I hope that you can help me get this resolved.
05/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07712	Web
On or about XX/XX/XXXX, I called the number listed for this account on my XXXX credit report and I asked the collection agency to verify the debt and they could not. As an alternative they offered to settle the {$3100.00} debt for {$1200.00}. I insisted that I need to verify the debt and they promised to send me statements from the original creditor. As of this date I still have not received any written communication to verify this debt from this collection agency. I called again last Friday XX/XX/XXXX and again was not able to get information to verify this debt. I am in the process of purchasing my first home and this collection item is hindering/impeding my progress. Here is the information that is showing on my 3 credit reports : You have 2 accounts in Collections Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XX/XX/XXXX {$3000.00} {$3000.00} Paramount Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
03/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 777XX	Web
I have no knowledge of these accounts. I don't know who open these accounts in my name using my SSN. However, it is the hospital and or doctors ' responsibility to make sure all information is accurate and to make sure all information has been verified. I have sent out numerous debt validation letters to these companies and not one company can validate the debt they say I owe. If you can't validate the said debt it has to be removed from my credit report. Please understand the law. You may be held liable for your actions ). Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX XXXX a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors.
01/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28110	Web
By my mid-late teens, I had pretty much grown out of my childhood, XXXX, or so I thought. Turns out I had just been avoiding my triggers. While on vacation my XXXX was triggered and my oxygen saturation depleted quickly. Quickly enough that I lost consciousness and those tending to me call XXXX and I was transported to the nearest hospital ; XXXX XXXX XXXX. At the time I had 2 forms of private health insurance. For reasons unknown XXXX XXXX refused to send a copy of the bill so I could forward it to my primary insurance. To this day Ive never seen this bill & have no clue what the charges were even for. The only explanation I received was We dont rebill. No matter the effort the representatives I spoke with were adamant that the insurance companies could not be involved. All of this occurred before my XXXX birthday & I had just established credit just for XXXX XXXX to send the bill to collections tarnishing my credit from the get-go.
08/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 507XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
04/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 61920	Web
Reported Collection Company : PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX, TX XXXX Amount : {$39.00} On XX/XX/2021, the above collection company reported a debt that do not belong to me. This has negatively impacted my credit records, and lowered my XXXX XXXX. On XX/XX/2021, I mailed the collection company a letter to verify the debt, and they did not respond. According to the provisions of the Fair Credit Reporting Act 609, If accurate derogatory information in the consumer 's file can not be verified, the reporting agency is required to remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. This is related to the right of the consumer to challenge the accuracy of negative events reported on them. The intent of the government is to protect consumers from having inaccurate information used against them.
08/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30022	Web
Filed a complaint against XXXX on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly XXXX. Until then, this issue has not been resolved. Nor has XXXX provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and XXXX score, which as of a couple of days ago was 755. Because of this erroneous reporting, my XXXX score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with Paramount Recovery Services.
04/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23059	Web
I checked my credit reports on XXXX2020 and found a collection was placed on my report. I contacted Paramount Recovery Systems.They could not give me any information the debt over the phone. I have not received any billing statements from this company. I contact XXXX XXXX XXXX XXXX about the amount owed ( {$320.00} ), I was informed by XXXX XXXX XXXX XXXX that I don't owe them any money at all and they have never heard of Paramount Recovery Systems or XXXX. They further informed by that they do not sell their debt to collection agencies, they use collection agencies to collect on the debt and the only one they use is XXXX XXXX XXXX in XXXX, VA. My Attorney sent me a letter to send to Paramount Recovery Systems for the to verify the debt to me. I have attached said letter as I was informed by a Representative of Paramount Recovery Systems that no one was in the office due to Covid 19 and the letter would be return.
08/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web
I was charge for {$1400.00} for some sort of medical bill from XXXX XXXX XXXX XXXX XXXX. I XXXX this place. I have NEVER been there in my entire life. I also called the collection service, PARAMOUNT RECOVERY SYSTEMS/ ( XXXX ) XXXX several times and line rings busy. I also called XXXX XXXX XXXX XXXX XXXX and they had automated system to put me on hold forever. I did some investigation and found out over 100 people left reviews on XXXX to say the same things as me. I tried disputing this collection twice in past 2 months and XXXX " verified '' this is my collection. I would like to know how they even verified when I couldn't even get to them? AND I was never been to the place before. Please help me report XXXX XXXX XXXX XXXX XXXX and I would like to dispute as soon as possible. I did not even have my SSN until end of XXXX This is affecting my credit very badly and would like quick solution. Thank you for your help.
09/10/2021	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	NJ 070XX	Web
Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX XXXX account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.
07/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33460	Web	Older American
this was paid when I went to the emergency room.this debt is old besides.they never billed insurance .then chared me XXXX at the emergency room.said that this would be paid in full in case insurance did not cover this.gave them a check asked them to not put it through til Monday.they did .a and they over drew my account.but was still apid and the bank charged me XXXX.this account was not opened in 2019.it was more like 8 or 9 years ago. I llived at XXXX XXXX XXXX XXXX.and we have lived here for 5 years. in fact I have had a P>O> box for 7 years.i do not understand why XXXX XXXX does not question this.plus I sent to XXXX and got my free credit report and this is no where on this.and I have been in phine contact with them for a freeze on my credit report.there is also a wrong address that they recently took off my report.i have more trouble with XXXX XXXX than any body else.i was told you are never accurate.
12/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73112	Web	Older American
I received a collections notice from Paramount recovery services for a medical bill from 2018. Over a year ago I submitted the same information from a different collections agency for the same debt. I called Paramount and they would not help. This is for a hospital stay from XXXX in 2018. My insurance paid the entire bill including three of these charges for the same amount. After spending all day, every day for at least two weeks on the phone with XXXX hospital, doctors, customer care agents and more they still could not identify who I needed to contact about this. During the fall of last year I sent this information to you at CFPB and it was cleared immediately as not being owed by me. How is it legal for these collections companies to sell invalid debt and hound patients for years? It has destroyed my credit and I am fed up. Please let me know what additional information I can provide. Thank you.
11/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30075	Web
Paramount Recovery Systems claims I owe XXXX XXXX {$120.00} for a medical visit to the emergency room that never happened. During the date it claims that I went to the emergency room in fact I was not there. The most important aspect is that neither XXXX nor Paramount Recovery systems contacted me about the specific debt claim either through phone, email, or mail. Instead Paramount Recovery systems targeted me by reporting to the credit rating agencies this non-existent debt. This has affected my credit score. This is the second time that Paramount Recovery Systems has claimed this non-existent debt. Both times with no notification. This seems to be a scam mounted by Paramount Recovery Systems. Unfortunately it seems I am not the only victim of this scam. I would please request your help In deactivating this scam and that Paramount Recovery Systems be made accountable for their fraudulent actions.
07/30/2020	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	MS 38637	Web
In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by Paramount Recovery in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
I have 2 collections companies that have put 2 separate accounts on my credit for the XXXX XXXX XXXX. Each account has had a different total and dates each time in a total of ( 4 ) I got XXXX XXXX accounts disputed and now they have gone to Paramount Recovery and I have tried to dispute them through XXXX XXXX several times with no avail. XXXX Account was said to have been opened on XX/XX/XXXX at {$620.00} Disputed and dismissed on XX/XX/XXXX XXXX Account was said to have been opened on XX/XX/XXXX at {$1000.00} Disputed and dismissed on XX/XX/XXXX Paramount Recovery Says account was opened on XX/XX/XXXX at {$640.00} Paramount Recovery Says account was opened on XX/XX/XXXX at {$480.00} I don't even know what the XXXX XXXX XXXX is. I haven't been to the doctor since XXXX so I'm unsure of any information regarding this account or why it keeps showing up as different amounts at different dates
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXXXXXX XXXX XXXX ) XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXX MD XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 701XX	Web
This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36695	Web
I hae been a victim of identity theft since XXXX. I am also a victim of the XX/XX/XXXX data breach of XXXX. someone used my information to get medical help and accumulated a debt of {$1100.00}. A collection agency ( Paramount XXXX XXXX '' placed a collection account on my three credit report. the account is fraudulent and i have reported it to the FTC as such. I contacted the collection agency, the three credit bureaus asking them to remove the collection account from my report per the fair credit reporting act section XXXX. Only XXXX removed the account within 4 days. Both XX/XX/XXXX and XX/XX/XXXX started a " general dispute '' tat takes 30 days and they refused to discuss the reason behind that. I have uploaded all the supporting documents to all involved parties and I feel thatXX/XX/XXXX and XX/XX/XXXX are hurting me by keeping this fraudulent information on my credit profile.
01/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30157	Web
I recently called and submitted a letter to paramount recovery systems asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask paramount recovery systems to remove the collection from my credit report until the debt is validated.
08/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76106	Web
Paramount collection agency is reporting four different collection accounts on my credit report. The amounts are {$100.00}, {$100.00}, {$190.00}, and {$53.00}. The total amount is {$450.00}. According to my credit reports with all 3 reporting agencies this debt is for medical services. This debt is the result of identity theft. I have not received medical services from this company. I sent a letter through certified mail on XX/XX/2018 requesting validation of this debt. The company failed to respond however these items are still being reported on my credit report and destroying my good credit standing. I have attached proof that paramount recovery received the letter along with the letter that I mailed. Per the FCRA since this debt was not validated within 30 days as required all debt collection efforts should cease and these items should be completely removed from my credit report.
02/09/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NE 68105	Web
Paramount Recovery in XXXX TX breached my debt info and has not done anything to solve the issue. They are claiming I have a debt of XXXX dollars.I am in the process of defending myself against their attempt to collect this false debt. They have refused repeatedly to send a debt verification letter to me. On XX/XX/XXXX I accidentally gave them the wrong birth year and they still verified that it was me on the phone. XXXX instead of XXXX. I proceeded to bring the mistake up and expressed my concern in the verification process. They said I entrapped them and thats illegal. I stated although they have that opinion it is still a possible breach of my sensitive information. They hung up and refused to speak with me further about the issue or debt. I called back and got the voicemail 4 consecutive times. I am looking for this company to be held accountable for these actions.
04/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
My bank notified me about a change in my credit score on XX/XX/2023. Upon accessing my report, a collection for {$1600.00} was reported on the same day by Paramount Recovery XXXX for " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The date listed for the account status is XX/XX/2023. The creditor is XXXX XXXX something or the other, and the collection agency is Paramount Recovery Systems. I have never heard of or received communication from these entities. I have never received a medical bill for that amount. I have health insurance and pay my co-pay every visit. The collection has been reported to all three credit bureaus and have affected my credit score. I filed two XXXX complaints and received no response. I filed disputes with the three credit bureaus on XX/XX/2023.
10/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 731XX	Web
I called this company on XX/XX/2020 to settle the debt. The original amount was {$600.00}. It was agreed that i could settled the debt for {$420.00}. I asked what this would be reflected as on my credit report. The representative said Settled in full. I asked to receive proof of settled debt by mail or email. They said they would send me something in the mail. I never received it. I have called twice since then and have not received anything. I ended up disputing the debt on my credit report. It was then updated to the amount of {$420.00} being paid, but now says i still owe a remaining balance of XXXX. This is incorrect due to the fact i was told that the amount i paid would be reflected as settled in full. I am frustrated that i still have not received anything from Paramount recovery showing proof of payment and that the debt was settled.
12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web
I have 5 bills listed on my credit report that do not belong to me. They are listed as follows : Paramount Recovery XXXX XXXX XXXX OPENED XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX I never received a hospital bill, suddenly started getting collection calls. When I reached out to Paramount Recovery, they asked if I was Ms. XXXX, I told them that I did not know anyone by that name.I have good credit ; prior to this event. I have 99 % of paying my bills on time. I spoke with Paramount Recovery and stated these bills are not mine. I also sent information to the government for identity theft. Paramount Recovery address : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
11/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 344XX	Web
Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 1 ) Paramount Recovery Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX XXXX Reported : XXXX XXXX, 2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XXXX
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 76137	Web
Yes, Approximately two to three months ago a collector by the name of Paramount Recovery Service was harassing my job with unwanted phone calls, stocking my place of Residence and harassing me indirectly. Onced I figured out why I was going through trouble with my job, my place of stay and indirectly being harassed from Paramount Recovery Service. Paramount Recover Service sent me a bill in my mail box, which, I dont know how it received my place of stay I phoned Paramount and explained to the lady working the phone that, that bill was disputed over five to six years ago for the fact that I had insurance and it was canceled by the insure at the time I was seen a doctor and please stop harassing me indirectly ; but still Paramount is starting it up again with the harassment and posting it on my credit report as well.
10/28/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44305	Web	Older American, Servicemember
This dispute involves one company, four separate incidents, four separate dates and four separate amounts. The charges that are being made are the result of medical incidents that were generated as the result of Emergency medical treatment that was covered through the Veterans Administration covering the costs but not to the amount they billed for. As a result they came after me, threatening to destroy my credit and seize assets to cover my debt. Prior to this my credit was impeccable, with a running credit score of 0ver XXXX pts. Now... just over XXXX pts. Other than these four false accusations, my credit was spotless. THIS AIN'T RIGHT! AS A VETERAN AND BEING TAKEN ADVANTAGE OF LIKE THIS BECAUSE OF A MEDICAL EMERGENCY IS JUST WRONG ON SO MANY LEVELS. JUST TO BE CLEAR, I HAVE NO INTENTION OF PAYING THIS
08/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33130	Web
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Remarks. Here is how this item appears on your credit report following our investigation. Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} DateUpdated : XX/XX/XXXX Original Amount : {$1100.00} Original Creditor : MEDICAL-XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
05/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web	Servicemember
XXXX will not remove Paramount Recovery Systems from my credit report. I have tried for almost 2 years. It belongs to someone else or it's FRAUDULENT. Because Paramount Recovery Systems is on my credit report they have access to my report and when I changed my address and added my phone number XXXX so I could Freeze my account, Paramount Recovery Systems accessed report, so when I dispute said charges they use the info from my credit report ( i.e. phone #, address ) and in turn XXXX tells me, it must belong to me because the address matches. XXXX refuses to reinvestigate the fraudulent charges. I was under the impression that by law they had to. XXXX is above the law I guess. My car insurance rate is negatively affected because of these charges. And I keep being denied credit because of it
10/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60613	Web
Greetings, It has come to my attention that I allegedly owe {$660.00} to Paramount Recovery Systems for a debt owed to XXXX XXXX XXXX XXXX updated XX/XX/XXXX on XXXX XXXX account. I have XXXX since atleast XX/XX/XXXX with RIN # XXXX. I started with XXXX XXXX XXXX and have been updated to XXXX XXXX. At this time, I am requesting that this be removed from my credit report immediately for it is illegal to charge the patient when I had coverage at the time. I presented my coverage information at the time of service. The issue is with the individual who was supposed to process my insurance payment on behalf of XXXX XXXX. The number to XXXX is XXXX. I petitioned this about 6 months ago and it was removed immediately by XXXX XXXX XXXX XXXX. I am lost about how it can be bought by another company.
11/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 750XX	Web	Servicemember
On XX/XX/XXXX Paramount Recovery reported to all three credit bureaus that I have an outstanding medical bill with the original debtor XXXX XXXX XXXX in the amount of {$960.00}. On XX/XX/2020 I contacted XXXX XXXX XXXX to settle the debt for a lower amount since they had sent me a letter in the mail dated XX/XX/2020. I paid XXXX XXXX {$380.00} and the debt was satisfied and the debt was removed from my credit report. Now the same debt but different debt collector is trying to collect the money for the same medical bill. I called today and spoke with a customer service at Paramount but all I was given was an email address to send all of my information that I paid and nobody contacted me back to inform me the debt was removed from credit report. XXXX XXXX XXXX XXXX Paramount Recovery XXXX
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38116	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08054	Web
On XX/XX/XXXX, XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX XXXX in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. On XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to Paramount Recovery in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38116	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63108	Web
Paramount Recovery Systems, L.P. sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from Paramount Recovery Systems XXXX L.P. was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called Paramount Recovery Systems at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. According to the billing department at XXXX ( was billed through XXXX XXXX ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.
03/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36695	Web
someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by PARAMOUNT RECOVERY SYSTM -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both XXXX and XXXX have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and XXXX failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.
06/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33613	Web
Paramount recovery systems is in violation of 15 usc 1692 et seq after violating my consumer rights and posting debt to my expieran report without first notifying me. I found out by XXXX XXXX XXXX XXXX XXXX that on Thursday XX/XX/XXXX two accounts were posted on my experience report further damaging and injuring my consumer character. The accounts was flagged on XX/XX/XXXX but not reported until the XXXX without acknowledgment from me the consumer. I can attest I have never heard from this company nor ever known about this company. I have never had a contract nor made a transaction or received any goods or services from this company. This debt has not been validated and I do not know why PARAMOUNT RECOVERY SERVICES is attempting to use my information to extort me.
04/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web
I am lodging a formal complaint against paramount recovery this debt collector has violated the fdcpa/fcra by reporting derogatory information on my credit reports in the amount of {$240.00} that isnt my debt. I have never recieved a dunning notice by this company which allows me 30 days to dispute validity of debt. I've lived at the same address for over 17 years and I have never recieved any mail from this company and also never recieved a phone call. This has also brought my credit scores down and I am in the process of purchasing my very first home for my family. I am requesting paramount recovery to delete this erroneous account from my credit reports. Attorney general and XXXX complaints will be filed if account isnt deleted immediately. Thanks for your time
12/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
I contacted paramount recovery systems, a debt collection company on XX/XX/XXXX. I informed them that the information they were reporting on my credit report was incorrect and to place my account in dispute status immediately. I have since obtained a letter from the original creditor that reflect the account has a XXXX balance. My insurance company had paid on the accounts in XXXX. Therefore, the collection accounts have been placed on my credit report in error and should be removed immediately. It has caused me harm because I have tried to obtain credit and was denied due to these accounts showing on my credit report. It has been over 45 days since I initiated the dispute and the negative account is currently reflecting on my credit profile as an unpaid debt.
07/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web	Older American
Paramount recovery has been carring a debt XXXX since XX/XX/XXXX on my credit report, I have requested a copy of the original bill I keep getting a ledger copy with no information of what it was for. The billing was disputed, as any bills would have been paid by my employer insurance at the time. What I keep getting ( lrdger copy ) is showing line XXXX and sent to Paramount XX/XX/XXXX. I recently inquired again, and I received the same information in addition to a letter address to XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX Acct # XXXX billing for XXXX. I will send XXXX XXXX information to him, but I am concerned Paramount is send customer information to other customers. XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , TX XXXX Payment Information Toll Free XXXX
08/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31088	Web
my medical insurance would cover this. them failing to file it and or incorrectly per my insurance policy and the contract with them and my insurance if they file incorrectly or do not file I am not responsible for the balance. per my policy ER visits are only copay. this company continues to call me when I ve asked them to not call my work phone not only is this a HIPAA violation but to add to things they thing it's OK to report the debt and then wait a few months and report the same debt. I've previously deputed this debt they never validate the debt. it will disappear and then they will add it again months later with a new date to start the aging process and statue of limitations over. apparently the FCRA and laws do not apply to them..
12/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77075	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Paramount Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
10/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18062	Web
This collection agency continues to add this collection on my credit report with all 3 agencies. The original debt was with XXXX XXXX XXXX more than 7 years and Paramount continues to add and take off of my credit report causing my credit score to lower, especially when I have worked so hard to keep credit clean. They will report to all 3 agencies, I put in a complaint, it gets removed time goes by and they add it again. It seems that XXXX sold my account to multiple buyers and the medical debt is more than 7 years old I want them to cease all collection efforts as this is damaging my credit and the account is more than 7 years old. On top of that I have another agency trying to collect the same debt that again is more than 7 years old.
12/25/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amount : XXXX Claim # XXXX This debt resulted due to the fact that the the XXXX XXXX XXXX failed to submit a claim within timely filing period as prescribed by the law and the providers contract with XXXX XXXX. It should be noted that I received service at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and they submitted a claim for the service received on XX/XX/XXXX on time and failed to submit a claim for the XX/XX/XXXX service and charged me for it. When I bought it to their attention they said they will file a claim with my health insurance company and that I shouldn't worry about it it, due to the fact that they had failed to submit claim on time. Only for them to later send it to collections.
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 762XX	Web	Servicemember
Collections have just recently been added on XXXX from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from paramount recovery that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit
06/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33612	Web
To Whom It May Concern: As You Can See My History With Debt Collectors Thru CFPB Whom Continue To Try To Collect On A $XXXX Medical Debt, That I Can Prove That I Do Not Owe. This Is The "Fourth" Time That Debt Collectors Have Tried To Disturb My Credit Report, With The Same False Medical Bill. I Do Consider This Continued Harassment To Try And Protect My Credit Report From Debt Collectors. Is There Anything Legally I Am Able To Do To Prevent This On Going, Non-validated Harassment? They Have Flagged My Account Once Again...... The New Debt Collector For This Year Is PARAMOUNT RECOVERY They Have Placed A Derogatory Mark On My XXXX And XXXX Accounts PARAMOUNT RECOVERY SYS XXXXXXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX
03/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
I have had a reoccurring problem with a debt that my son incurred in XXXX when he was XXXX years old and living on his own. Paramount Recovery Systems has put this on all three of my credit reports and I have disputed it and had it removed on more than two occasions. They can not tell me any other information than the debt was for a company called XXXX XXXX XXXX XXXX and can not give me any other information. I know that it belongs to my son because he was hospitalized in XXXX and received XXXX XXXX. I have disputed this time and time again but they keep bringing it back. This time it has caused severe circumstances to my financial well being. I need this to stop because it is not me and I will not pay a debt that I did not incur.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMT REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 290XX	Web
I did not receive any notice from Paramount Recovery. I recently learned of the account via my credit report. Additionally, they are reporting this account twice. Even more distressing paramount recovery does not specify when they received the account, However, they do mention the account was opened on XX/XX/2022. Which could mean this is when the alleged account would have been opened with the originator. The company also states that the account was past due as of XX/XX/XXXX and only has 30 days of activity meaning there is no way they waited 30 days for a response from the consumer. Past due means late, written off or charged off means collections. They have no right to report this derogatory info on my file.
11/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73003	Web
A medical debt collection was added to my credit report for {$940.00} on XX/XX/2022 by an agency called Paramount Recovery with the original creditor listed as XXXX XXXX XXXX XXXX XXXX for the date of service being XX/XX/2022. This debt has been paid by both insurance and financial assistance through the system where the services were received, well before it was legal to turn over to collections. I would like action taken against this collection company as well as the original creditor immediately and I would like to pursue a lawsuit against both the original creditors and the collections agency the debt was turned over to immediately as this was highly illegal under the Fair Credit Reporting Act.
12/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 381XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
12/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94565	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
09/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75002	Web
First communication from company is a settlement offer letter with a list of supposed small balances that add up to a sizeable sum - all from a company I don't recognize. The letter does not contain mandated fdcpa dispute information or rights to dispute. I tried calling a provided number but went to a voicemail. I see no reason to provide information to a company that has failed to provide any information about the origin of this supposed debt, my rights as an alleged debtor, or a mechanism to talk to a person. Initiating contact via a settlement offer in the way they have runs afoul of the FDCPA and I ask for a civil penalty to be levied against them to ensure this practice is not continued.
03/05/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77047	Web
Im writing in regards to Paramount Recovery having multiple derogatory marks on my credit for the same exact charge. I would like a validation of this alleged debt. Im not even 100 % sure from whence this originated. I have not received anything in regards to how to contact them, and it is not very clear how to file a complaint and/or dispute any charges on their website. Ive read various complaints about how notorious they are for trying to collect multiple times for the same amount. I demand that this be investigated! This feels like a scam and it has caused extreme detriment to my creditworthiness, and I have been charged astronomical interest rates as a result. I need this fixed ASAP!
06/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76006	Web
Contacted this company on XXXX XXXX about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus. This company is committing fraud and very unprofessional, I received finally this month a copy from XXXX of what looks like a made up bill with no info on it. Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.
04/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32765	Web
I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is Paramount Recovery Svcs. The same debt which originated from XXXX XXXX XXXX is on my credit report from XXXX and also Paramount Recovery Svcs at the same time.I was never notified of this debt because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason. I have deleted this same debt now for the 3rd time with XXXX and now Im having to dispute with Paramount for the same debt!
09/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85040	Web
I have a medical bill in collection From XXXX XXXX XXXX XXXX that they billed to the incorrect insurance. I spoke to them about this before they transffered the debt to collections. It has been transffered to 2 different agencies. I have spoken to both of them to put in a request to XXXX XXXX XXXX cause this was billed incorrectly. uy the XXXX and the collections agency that represent them refuse to validate the debt and get the original billing issue corrected I would like this removed from my Credit. The collection agencies are telling me even though XXXX XXXX XXXX has made an error they can n o go back and correct I would like this removed from my credit Thank you. its for XXXX $
04/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
First, I have paid all debts and keep up with my credit scores and reports. Random person called asking for my birthday. I thought it was strange I needed to give them my birth date so they can settle a debt in my name. I told them I have perfect scores and owe no one. I asked them to send me documentation of the debt as that would be the only way I will settle this debt and would not be releasing my personal information. They argued with me and hung up on me without stating their next steps. I'm afraid someone has retrieved by personal information and is trying to scam me out of money. The company is Paramount Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
04/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 334XX	Web
In XXXX, an adverse account entry began appearing on my credit reports regarding an unrecognized {$57.00} medical debt from XXXX. I never received any notice or information regarding this charge, what service it relates to or where it originated from. I have always maintained health insurance which covers most of my medical expenses and pay my co-pays, deductibles and other charges that are my responsibility at point of service. I have attempted multiple times to dispute the entry and obtain further information. The item has been removed and sold to a new debt collector who then reports it. Currently, the credit information furnisher/debt collector is PARAMOUNT RECOVERY SYSTEMS.
08/27/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32444	Web
This debt was deleted from my credit report a year ago. I started receiving calls several times a day from " Paramount Recovery '' I finally answered them, and they verified my name, ask about a this debt in which I told them it had been resolved. I never received a letter from this Co.! Within 60 days it was reported and put back on my credit report. They continue to call just to hang up on me upon answering... But, never say anything, after reporting this to credit bureau in which dropped my score XXXX XXXX. This is the ONLY derogatory on my credit report and has messed me up. I need to know how to go about getting this taken off. I was never notified by this Co. By mail.
11/21/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 707XX	Web	Older American
I do not and have never had a contractual agreement with Paramount Recovery for a debt of {$170.00}. Received an alert from XXXX that XXXX was flagging my Credit Report due to a {$170.00} questionable medical bill. I checked XXXX 's website and there it is listed as a debt. It also states that this debt can affect my credit negatively and have an impact on my credit score. This debt may be due to fraud because I di have some fraud detected on my credit report as well. According to the FCRA I have a right to have accurate information on my Credit Report. It's not listed on XXXX 's website. This debt has NOT even been validated. I do not have an agreement with this company.
02/09/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75051	Web
Constantly being called, i have asked for an original copy of the bill that was claimed to be mailed to me back in XX/XX/2021 that i have yet to receive. These medical bills are coming from XXXX XXXX hospital in the amount of {$190.00}, {$360.00}, {$540.00}. the hospital is constantly reselling the debt, as well as having incompetent workers not taking down the correct information for my insurance, as well as charging me for procedures i did not use in the hospital. actions taken by the company is slim to none, this debts have appeared on my credit report all the while still harrassing me and calling Paramount recovery sys- {$540.00}, {$360.00} XXXX XXXX XXXX- {$190.00}
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
I checked my credit and saw three medical bills reporting from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$660.00} ; one account from PARAMOUNT RECOVERY SYSTEMS from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
08/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.
07/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 336XX	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
02/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32817	Web
Upon learning that this collection account was reported to my credit report, I contacted the collection agency to first validate the debt and second to provide me with my signed HIPPA authorization letter giving them access to my medical information. I provided to the company a copy of my EOB ( Explanation of Benefits ) showing the claim was processed and paid in full. I also reached out to the Medical provider to validate that the account should NOT be in collections. I was told by the company that the EOB is NOT enough validation for them to be satisfied that the debt is not owed. I feel that my consumer rights as well as my Medical Privacy has been violated.
08/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85042	Web
I was on medicaid they had my medicaid information. PARAMOUNT RECOVERY PARAMOUNT RECOVERY Last reported : XX/XX/XXXX {$100.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$100.00} Highest Balance {$100.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX See an error? DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. CHECK DISPUTE STATUS Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
07/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30680	Web
I went to an ER in Florida in XXXX. I WAS NEVER SEEN by doctor 's. I spent months writing/filing complaints. XXXX XXXX told me that they had deleted the debt. This year in XXXX a debt popped up on my Credit stating it was from XX/XX/XXXX. They are also showing late payments every month. I immediately requested documentation and disputed this information. This debt was already removed from my credit reports TWICE! I have NEVER received any written communication from this debt collector even upon requesting it, and when I called the company they sent me to a voicemail. All I have is their phone number. They are violating re-aging laws and HIPPA.
05/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76001	Web
I received a copy of my credit report which showed a creditor, Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request. Paramount Recovery Systems XXXX XXXX XXXX XXXX , TX XXXX
08/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32809	Web
I'm a victim of identity theft and do not recognize one or more of the accounts on my credit report. I will list the following fradulent accounts on my credit report that do not belong to me. The following : Paramount Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I pledge that the information given to the credit reporting agency is fradulent of the accounts listed, Under the Fair Credit Reporting Act ( FCRA ), both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in your report.
11/19/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33018	Web
Hello I was give a letter with reference XXXX says XXXX XX/XX/XXXX from Paramount recovery systems I suspect this is just wrong information on my behalf with my name and last name I know I don't owe anybody money it doesn't even give me a number where I can reach somebody I am tired of getting this false information on my behalf claiming I owe somebody money it even says I owe {$1100.00} the mailing says Paramount recovery systems, XXXX XXXX XXXX XXXX XXXX, TX XXXX this to me is XXXX XXXXXXXX just a letter saying whatever is implanted in their behalf investigate their address not me Thank you I hope I get some kind of help sent to my address
10/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 344XX	Web	Servicemember
The original collector turned the account over to another collector ( Paramount Recovery ) account open dates currently shows XX/XX/XXXX, the actual original collection open date was XX/XX/XXXX. The company Paramount Recovery, whom I have not received any services from nor had any contract with has placed collections on my credit report in the amounts of {$200.00}, {$220.00} and {$920.00} with an open date of XX/XX/XXXX. I have placed disputes through all XXXX credit agencies at least twice and I have not received a fair response as yet. This company has yet to prove that I owe them for any services, still the debt shows on my credit report.
08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75038	Web
I have 2 items listed on my credit report as collections from the Company Paramount Recovery ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the Paramount Recovery agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.
06/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 470XX	Web	Servicemember
This company has made no attempt at contacting me other than rotating this supposed charge that should have been submitted to the Veterans Administration for payment due to being covered by VA Seltect at the time of the treatment. Instead of the hospital following up with the VA for payment they submitted it to collections. The current holder has made no effort to collect. They however closed the account on the XX/XX/XXXX and then reopened it via XXXX and XXXX, with the express purpose of destroying my credit. My credit just moved from a XXXX to a XXXX due to them " reselling '' or reopening the account is not a fair practice.
02/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75028	Web
I have been receiving calls from XXXX for a few weeks. They have never left a message. All I have is the caller ID number which I used to search the internet. I found a XXXX listing with the information about the company. It appears to be some type of debt company named Paramount Recovery Systems. I do not have any outstanding debt. I tried to call the number to tell them they have the wrong number, but it rings busy. They continually call, but give me no way to redirect their calls. They have called, but left no messages on : XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, and XXXX/XXXX/2016 @ XXXX XXXX.
02/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30314	Web
In XXXX with the Fair Credit Reporting Act and XXXX Account # 1. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Paramount Recovery Med Account Number. : XXXX {$930.00} 2. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX {$120.00} 3. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX : XXXX {$100.00} 4. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX : XXXX {$750.00} 5. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX : XXXX {$300.00} 6. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX : XXXX {$92.00}
05/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 293XX	Web
Each company, XXXX XXXX and Paramount Recovery have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( XXXX ) which covers 100 %. The same is true for the other amount of ( $ XXXX+ ) XXXX found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75028	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
05/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77429	Web
Paramount Recovery has repeatedly placed collections accounts on my credit report. The first time around, I sent them a request for debt validation. They did not respond ; however, they deleted the inaccurate accounts from my credit report ( and proceeded to sell them to another collector. ) They now have an account listed for {$1600.00} for me from XXXX XXXX XXXX. I sent a request for debt validation to them via certified mail. They received it, however, they have not complied. Furthermore, another collection agency ( XXXX XXXX ) is attempting to collect the same debt. They also can not validate.
02/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76123	Web
XXXX Hospital did not file my insurance correctly which caused my insurance not to pay the full amount of the bill which now has been added to my credit and has damaged my credit. I explained to the collection agency that i am XXXX and i am on XXXX and XXXX which pays 100 percent of all medical bills and the hospital would need to file the proper insurance to get the proper payments and they refuse. I am on a limited income and can not afford to pay my medical bills which is why i am approved for both insurances. They will not fix their error which is continuing to damage my credit severally.
01/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75069	Web
I have been disputing this information since XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a XXXX violation notification in XXXX 2016 to this company. I need forms showing where I signed for these account. Also my XXXX rights have been violated once any medical information has been shared with any 3rd party agency.
03/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55112	Web
I have a complaint against " Paramount Recovery ''. This shows as as two separate {$3100.00} collection accounts on my credit report due to something called " XXXX XXXX ''. It shows that this account was opened on XX/XX/XXXX. I haven't had any services related to anesthesia since XXXX and have never received a copy of an invoice, or even what the bill is for. I have attempted to dispute this, with no luck so far. Opening a collection against someone while failing to provide an invoice, or having any other contact for an apparent half-decade old medical bill is against consumer rights.
08/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19720	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76112	Web
Paramount Recovery System, L.P. is trying to collect a debt that I don't owe or know anythimg about and I don't know how they received my information because they are not even the original creditor and this company has no contract with me or my written consent to furnish anything on my consumer report nor have I gave ANYONE CONSENT to any alleged creditor and thats Identity theft statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ). I would like for them to cease and desist any communication with me and close the account they alleged that I owe.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18201	Web
On XX/XX/2021 XXXX XXXX add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.
02/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web
To CFPB I decided to check my credit report and surprise surprise I find some company called XXXX XXXX has placed multiple fraudulent charges on my report through Paramount Recovery Systems. I do not owe this company anything, I DON'T EVEN KNOW THEM!!! I am hereby requesting a formal federal investigation into this company and I want them fined XXXX XXXX XXXX dollars as you have done to other companies that have violated the law. I am further sending this report to the Attorney Generals office for an investigation and will pursue criminal charges against this company.
06/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75062	Web
Someone called me from paramount recovery systems, they informed me that they were calling with the above stated business then they told me they need to verify my name and last XXXX numbers of my social security number. I told them I would not give them that information over the phone. They told me they could not give me any more information unless I verified this information. I hung up the phone at that time. Not once did he say he was calling to collect a debt. I did not know they were a debt collection agency until after the call, when I Google the name he gave me.
01/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33712	Web
The collection was deleted from my account with XXXX XXXX XXXX because it was deemed to not be mine since I have no affiliation with any of the companies involved. That company then sold the deleted item to Paramount Recovery Systems and they have put it back on my credit. I have contact the company in efforts to remove the item but they said they had no documentation of the debt in house, and I would need to wait 4-6 weeks to get the debt validated. Below is the Experian file with the deleted item. I would like this item removed fro m my credit ASAP. Thank you, XXXX
07/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46614	Web
FRAUDULENT COMPANY/SCAM ALERT!! PLEASE NOTIFY ADDITIONAL REGULATORS - On XX/XX/20 - Paramount Recovery XXXX reported yet another fraudulent account to my credit file - this time a debt that does not belong to me was reported to XXXX as a " Not Paid '' Account. I have no idea what this is for or for what Company. I do not have any outstanding bills.Additionally, I have not received any letters from this Company nor any information allowing me an opportunity to dispute. I believe this is a scam and an attempt by this Company to collect on a debt that does not exist.
10/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70114	Web
I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines.
11/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web
On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34638	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
04/01/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18042	Web
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. If they are saying it is verified then where's my proof? What methods are you using to verify?
11/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75154	Web
The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.
04/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 34758	Web
XXXX XXXX XXXX XXXX XXXX XXXX charge off last bill was paid in fill then i notice this on my report XXXX never had this account its not me, i just opened a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts has been paid and closed but it shows a few times on my report and this does not help with my score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid and closed XXXX XXXX XXXX XXXX XXXX XXXX paid and closed
08/14/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75034	Web
Collector filed delinquency collection after only 30 days after alleged fall-behind date. I was out of state and did not receive notice. Further, they reported a delinquency and collection after only 30 alleged days instead of 180, an egregious disregard for reporting procedure. There is a medical collection with an original statement date of XX/XX/XXXX, therefore I can not fall behind until XX/XX/2016. From XX/XX/2016 I have 180 days to pay debt before it is reported on credit. A delinquency was submitted XX/XX/2016 and appeared on my credit on XX/XX/2016.
01/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76014	Web
I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. -Please provide breakdown of fees including any collection costs and medical charges. -Provide a copy of my signature with the provider of service to release my medical information to you. -Cease any credit bureau reporting until the debt has been validated by me.
09/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19007	Web
My medical debt from XX/XX/XXXX was acquired by another agency who is misrepresenting the date of the debt. It had been removed from my report in XX/XX/XXXX, because it's a NJ debt, but reappeared on my report by the new agency. They had the date of service as of XX/XX/XXXX, instead of the original date. I filed a dispute with XXXX, but the outcome was that the debt was listed as XX/XX/XXXX, the date they obtained the debt, once again not the original date. Since the debt is 6 years old, this company should not be able to post this once again on my report.
07/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76016	Web	Servicemember
Paramount Recovery Systems added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before yesterday. Paramount Recovery Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I first reported the issue to the XXXX. Paramount Recovery Systems responded by sending me validation and verification of my debt, which was never in dispute.
10/23/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web	Servicemember
Paramount Recovery is violating FCRA, FDCPA, Collectors are required by law to send written debt validation notice with information about the debt they're trying to collect. It must be sent within 5 days of 1st contact. This was never done. They just started reporting to my credit report on a debt I disputed from another company. Neither of the companies have sent any written notice for this. This is hurting my ability to obtain credit and creating emotional hardships. I have also filed a complaint with the State of Florida and their business license.
03/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web
I recently send a letter to XXXX disputed two items that was on my credit report as ( Original creditor ) with no phone number or address for the creditor. XXXX stated that these items were verified by the creditor. I called the creditor and they stated that " they have no outstanding account with a balance. I also asked XXXX for that creditors information in which they gave me a company called, PARAMOUNT RECOVERY SYSTEMS. I called PARAMOUNT RECOVERY SYSTEMS and they too stated that these items was verified just by my name and date of birth.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	VA 237XX	Web
Paramount recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$360.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Paramount recovery failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Paramount Recovery and Im demanding them to remove the collection account from my consumer report.
04/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92584	Web	Servicemember
On XX/XX/2020 I called Paramount Debt Recovery and spoke to XXXX at extension XXXX, concerning a bill and she acted as if she didn't wan na hear anything that I had to say and I was just trying to explain to her about the debt not being mine, it is my medical bill, but the insurance company is responsible for the bill because of my husband being XXXX and retired and this outstanding bill of {$2000.00} should be taken care of because I already disputed the bill with XXXX and Paramount Debt Recovery and also paperwork was forwarded over to them.
09/14/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75081	Web
Paramount Recovery Systems has put amounts of money owed, but I have no idea who they are or representing. These items are duplicated and triplicated on my credit reports. These amounts 1st appeared on my reports in XX/XX/XXXX, and now they appear as XX/XX/XXXX. These are the account numbers : XXXX {$38.00} ; XXXX {$56.00} ; {$330.00} ; {$330.00} ; {$220.00} ; {$280.00} ; {$280.00} ; {$220.00} ; {$220.00} ; {$120.00}. I have tried to get these items removed from my credit reports without success. I really need your assistance with this matter
08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
12/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32225	Web	Servicemember
In regards to the following account : PARAMOUNT RECOVERY Last reported XX/XX/2022 {$690.00} Open balance XXXX XXXX XXXX Original creditor XX/XX/2022 ( XXXX mos ) I have active Georgia XXXX and this debt is covered by my insurance available by simply looking up my social security number in their system. It should not be on my credit report affecting my livelihood and ability to obtain credit because the original creditor did not file it with my insurance. This needs to be removed immediately from all XXXX credit reporting agencies.
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75056	Web
I have submitted proper affidavit documents and statements and other important FCRA documents to XXXX under FCRA guidelines Section 605B blocking items that are fraudulent. These items were supposed to be dealt with within 5 business days, but it has been since XX/XX/XXXX and then again I submitted in XX/XX/XXXX. I have contacted XXXX, but a foreign representative is the only person I can work with and they just direct my call to another department. I believe they are just trying to exhaust me so I will give up on my fraud report.
07/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
My insurance paid this bill in 2013, the year it was filed. This bill is from 2013 and all of a sudden it appears as a collection with no written notice at the time of trying to purchase a house. Amount is XXXX , collection company is paramount recovery systems. My insurance contacted them, with me on the line, to give them information of the bill being paid and they will not take it off. My insurances has since sent me the statements of where it was paid in 2013. I can not get a hold of said dr. And hospital has nothing on file.
12/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33414	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. PARAMOUNT RECOVERY SYS Account number XXXX Original creditor XXXX XXXX XXXX. Date opened XXXX XXXX, 2021 Status updated XXXX 2021 Account type Collection Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$950.00} Balance updated XX/XX/2021 2021
10/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53218	Web
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family
09/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34221	Web
I sent a dispute letter to Paramount Recovery regarding an alleged debt on my credit file in the amount of {$730.00} account # XXXX. I have attached a copy of this letter. Paramount Recovery received this dispute on XX/XX/22 according to the signed receipt from the USPS ( attached ). As of today, XX/XX/22 Paramount Recovery has not responded nor have they sent any notice regarding this alleged debt. Paramount Recovery as violated 15 USC 1692g and therefore must deleted is " Unverified '' " Invalid '' account from my record.
12/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33071	Web
I recently review a copy of my credit report and I realize that as a consumer Paramount Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.
06/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33614	Web
I suddenly have XXXX collection dates for XXXX XXXX XXXX I was never made aware. Never received bills, calls or any written or verbal communication. I have it on my XXXX report for collections with paramount recovery system. I reached out to XXXX XXXX XXXX and they said all bills mailed where returned. Proving I never received. I have always had mail forwarding if ever I moved. It is not fair its on my credit report and I was never made aware. They gave me no opportunity to pay or confirm debt prior to go to collections.
11/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web
Good evening, thank you for your time, My credit score has been around 780 - 800 for the past 1-2 years. I had nothing reporting derogatory for the past 5-6 years. All the sudden, I see on my XXXX XXXX on XXXX that paramount collections recovery has report two delinquent payments, since XXXX of 2020. my credit score dropped by 30 something points. I have not received anything, also do not know what this is for. So assuming this is out of statute at this time. i did email them to remove it, but have not heard from them.
05/15/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34639	Web	Servicemember
This debt collector Paramount Recovery has illegally obtained a medical debt that was originally started in XX/XX/XXXX from an Emergency Room visit. This debt is now over 10 years old and is being represented as a new collection as of XX/XX/XXXX. This debt is past the statue of limitations for the state of Florida. I have never received any notifications by phone email or postal mail for this account. This company has now placed this account on all my Credit Reports and as result has seriously affected my credit standing.
06/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33705	Web
I received a notification of an added to my credit report. This particular debt was paid off. Unfortunately because of the time I no longer have the electronic receipt showing it was paid. I called the company to come up with some type of solution to resolve it. My request was I wil be willing to pay {$100.00} of the {$300.00} as a pay for delete. They sent me a letter back stating I had to pay the full amount owed with a copy of the bill. Gratefully the bill showed that it was paid and I no longer have a balance.
06/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 79602	Web
On XXXX paid a medical bill to XXXXXXXX XXXX and on XXXX XXXX received a bill for that debt from paramount recovery. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from XXXXXXXX XXXX. Got the receipt from XXXX sent it over to the email provided to paramount on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter
12/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 287XX	Web
The collection agency Paramount Recovery has ILLEGALLY re-aged a collection they are in possession of. That is a direct and serious violation of FCRA. I've already disputed the problem with XXXX and XXXX. I am now submitting a formal complaint about it. I don't have any documentation to support my claims. But I will say I haven't been in or lived in Florida in over 5 years, the original creditor is winter haven hospital which is in Florida and on my credit it shows the account opened XXXX of this year 2021.
04/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web	Servicemember
Paramount Recovery Systems XXXX XXXX XXXX. XXXX XXXX XXXX TX. XXXX Placed fraudulent medical debt on my XXXX & XXXX, credit reports. I have dispute this fraudulent information with both agencies. Paramount Recovery never contacted me directly as required by Federal Law, concerning this alleged debt. I would have disputed the debt in question and demanded full validation as is my legal right under the law. This alleged debt can not be legally Validated as mere verification is insufficient under the law.
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78621	Web
I have tried to contact the company in regards to this complaint to no avail, I am trying to get this account removed from my credit report as I have no recollection that this visit to the hospital ever occured. I am just trying to get it taken off my report and have tried to even come to a settlement for a ( PFD ) '' Paid For Deletion '' even though I don't believe the account belongs to me however it is the last and ONLY negative account on my credit report and I wish to have it taken care of ASAP ...
03/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33446	Web	Older American
Disputed debt was discharged by XXXX and XXXX because it was never owed by me. I have no awareness of this debt collection company Paramount Recovery nor have I ever been contacted by this company. No case number or contact information ever. I have submitted a dispute with XXXX and received a dispute number XXXX but there online program is not working so that you can obtain the results. I have excellent credit but this has caused my numbers to drop XXXX points..I need assistance regarding this matter.
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70127	Web
On XX/XX/2023. I opened and email from XXXX XXXXXXXX XXXX notifying me that my email, birth date, SSN, home address and drivers license and registration details was leaked and compromised by a fraudulent party. I checked my credit report and noticed two accounts had been opened on my credit that I didnt not open. The accounts are Paramount Recovery and XXXX XXXX XXXX. I would like the accounts and any history of these permanently removed from my credit report. These are fraudulent accounts. Thank you.
02/06/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33018	Web
Company by the name of XXXX XXXX XXXX XXXX XXXX keeps inaccurately reporting information to the credit bureaus. I have made a FTC report about this before this company has the wrong address and social and they keep selling my information to different companies and posting it on my credit. They have now sold it to Paramount Recovery System. I contacted them they said this account is from XXXX and they have the wrong information I have been a victim of identity theft and been proved that this wasnt me
05/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 347XX	Web
Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1200.00} past due as of XXXX XXXX. Status updated XX/XX/2023 Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Unable to verify ownership. Can not provide itemized bill that corresponds to a date that I actually received services. Hospital can not verify debt. They have no record of bill. They have no record of service provided to me on that date.
08/10/2023	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 33952	Web	Servicemember
I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
09/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77081	Web	Servicemember
I never had XXXX in my life, and I always use my military insurance when I go to the hospital. I guarantee that I have never went to XXXX what so ever. Maybe I was a victim of ID theft. As a result the hospital who provided the services should be able to identify the person in question as they are supposed to protect my person as a consumer. I cant believe that such injustice happened to me. When I call the hospital they stated that they didnt perform any service under this name.
08/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 638XX	Web
I was unaware that this debt even existed. It's through Paramount recovery and I had insurance at the time. I've spoken to my insurance and they said they were never billed for this debt. So I called Paramount recovery and they stated that once it's in collections insurance won't cover the debt. I'm very upset because I had insurance to pay this and I was never contacted about it now they say I'm liable and it just isn't fair or right that I have too. It's counting against me.
05/29/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77630	Web
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 613XX	Web
I have notified in writing and over the phone with both the creditor XXXX XXXX and XXXX XXXX personal on multiple occasions. I have informed them that this was for services performed for a XXXX XXXX that I was not liable or responsible for and they filed an insurance claim against old expired insurance in which I was not required to provide for the child at the date of service! I was not present nor did i agree the use of that information or have I ever accepted this debt.
01/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33178	Web
XX/XX/2020 I was placed in collections by Paramount Recovery Services for {$920.00}. I do not recognize this amount owed nor the companies claiming this debt. My XXXX XXXX report sates that XXXX XXXX XXXX is the original debtor which hired Paramount to collect the unidentifiable charge. I have never received any notifications via mail, email or phone call. Based on XXXX it appears that many false claims have been made by Paramount Recovery Services. it seems to be a scam.
07/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33139	Web
The company has reported to the credit bureaus that I have an overdue bill that has not been paid and is now in collections. I have not been notified in writing by this company and they call me on a weekly basis. I have asked them to please send something in writing and they ask me for my personal information and when I refuse to do so, they hang up on me. I want written proof and verification to settle if valid but how can I do that if they will not send me in writing.
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 337XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states consumer reporting agency can not finish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose Original Creditor : XXXX XXXX XXXX Amount : {$2500.00}
04/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33578	Web
Im in the process of trying to get a house and was trying to pay off my debt and have it removed from my credit so when I reached out to paramount to do that I did a settlement and afterwards they informed me that its to late to have it removed if I didn't pay it in full at the time being which should have been disclosed to me before I did the settlement and closed the account now after reaching out about it, the representatives say their is nothing that can be done.
07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76708	Web
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$420.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. If you can't VALIDATE the debt then it needs to be removed from my credit report. I have attached a copy of the handwritten letter that was sent certified mail.
04/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 234XX	Web
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 70510	Web
XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
06/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web
Paramount Recovery SyS is a third party debt collector who is not registered to do business in Florida. Which is violating code 15 usc 1692 b ( 2 ). Second, This is also identity theft because know one got my consent to do anything with my debt. Last but not lease they also have reported inaccurate things on to my credit report. For example investigate : XXXX doesnt even have it reported at all, column last reported is inaccurate, as well as column last active.
07/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60419	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PARAMT REC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
05/01/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32757	Web
Paramount recovery XXXX has overcharged my account in medical credit charges when XXXX XXXX agreed to discharge payments charges due to severe health issues and agreement with low income and no health affordable insurance and health at death threat Paramount recovery should agree to terms just like XXXX XXXX services and agree to better settlement instead of just ruining my credit in credit matters please help in this matter is very serious to me, thank you
02/18/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 752XX	Web
I pulled my credit report for XXXX and XXXX. Paramount Recovery Systems located at XXXX XXXX XXXX XXXX Texas XXXX number XXXX is on my credit report twice for the same Creditor which is XXXX XXXX XXXX for the same amount. I need one of these entries to be removed because it is a duplicate and this is affecting my credit. I need for XXXX and XXXX to removed one of these entries and I do not need for it to affect my credit score any worse than it already is.
04/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
I recently turned XXXX on XXXX XXXX. After logging in to check my credit. I noticed a dent on my credit posted and says opened XX/XX/2020 I was only XXXX years of age then. I contacted this business paramount recovery to inform them that it was not my debt and i was not of legal age to have a binding contract with anyone I was a minor when this debt was said to have been opened and posted to my credit which is Illegal. Was told it was mine and to pay it.
12/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43614	Web
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.
04/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web
Paramount Recovery Systems has violated my privacy and unlawfully trafficked my nonpublic medical information to unaffiliated third parties against my consent. Paramount Recovery is intentionally defaming my character in order to coerce a payment on a debt that i do not own or owe. Paramount has ruined my reputation and credibility and has prohibited me from obtaining fair and accurate credit reporting. I have also filed a HIPAA complaint. See attached
03/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75241	Web
Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.
08/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
Paramount Recovery Systems has placed 2 collections on my credit profiles in the amounts of {$1000.00} and {$1300.00}. The alleged original creditor is XXXX. XXXX XXXX which appears to be a medical facility located in XXXX TN. I have never been to XXXX. XXXX XXXX therefore I don't owe anything. I have mailed this company twice asking the to provided verification of this debt. They have yet to show me anything with my signature or or even respond.
11/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33613	Web
Never received any notice to pay the debt. No phone calls or any letters. I don't recall having unpaid medical bills. I saw this collection on my credit report today an called the creditor an paid the debt that was owed. The fact that it was sent to collection without contacting me was shady an unfair. This needs to be removed from my credit report immediately. I had a XXXX credit score an is dropped my score badly from lack of communication.
08/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 317XX	Web
XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/30/2020	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	TX 76020	Web	Servicemember
I am a XXXX XXXX veteran with a XXXX XXXX XXXXXXXX rating. XXXX XXXX XXXX has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.
09/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30907	Web	Servicemember
This company is reporting a fraudulent collection on my report. I had XXXX umber my husband while he was in he XXXX. XXXX has already paid the bill, but this company sent It off to collections. They have sent me a letter stating the balance is already paid, and still have not removed It. Under the fair credit reporting act this is illegal and must be removed immediately. I have already submitted disputes multiple times with no results.
04/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07901	Web
Supposedly I have a debt with XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$1400.00} for a visit that I supposedly made which is not the case, so PARAMOUNT RECOVERY SYSTM included it in my credit report in XXXX and that the collection It was generated in XXXX of this same year, a situation that I have not generated on my part because I have paid all my bills with my different creditors, which they can verify in my credit report.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65802	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75228	Web
On all 3 credit bureau reports, they show an account that was deleted at least a year ago and now this account is popping back up. the information is as follows : Paramount Recovery opened on XX/XX/2019 Original creditor is XXXX XXXX XXXX XXXX for {$480.00} dollars. Previously on all 3 credit bureaus, this incorrect account was removed and now is back on them again without my prior knowledge, until I looked at my reports recently
03/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
XXXX File Number : XXXX Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. The Original open date is XX/XX/XXXX for XXXX XXXX XXXX in the amount of {$2300.00}. Then the amount was changed in XX/XX/XXXX to {$2300.00}. This account is not mine. I have not been a patient at XXXX XXXX XXXX since XXXX.
03/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23803	Web
A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge. This company did not provide me with validation of this debt but placed an unverifiable debt on my credit profile.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30088	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 382XX	Web
When I pulled my consumer report, I seen that Paramount Recovery reported an account in the amount of {$2700.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Paramount Recovery to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
02/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 36535	Web	Servicemember
i check my credit report and notice a debt from paramount recovery systems reporting a alleged debt of XXXX that i don't owe.on XX/XX/2021, i submitted a letter disputing the validity of the debt, as well as requesting other documentation for the alleged debt.as of XX/XX/2021, i have not receive anything from PARAMOUNT RECOVERY SYSTEMS.i need your assistance in this matter in removing this inaccurate information from my report.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32839	Web
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose
11/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70001	Web
Original creditor was XXXX XXXX XXXX in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 234XX	Web
XXXX regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by Paramount Recover systems, where they bought a debt from XXXX XXXX, originally delinquent 2015.
03/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85041	Web
It said on my credit report Opened XX/XX/2019 I had collection opened with this company Paramount Recovery S for {$160.00} But not until last week was my credit impacted. I received no calls or anything from this company - now my credit is impacted tremendously by this false claim for collection. XXXX XXXX XXXX XXXX XXXX was the original creditor. We paid all medical bills before as my credit was 800+ before this.
06/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 857XX	Web
In 2017 I went to an emergency room while insured by XXXX XXXX insurance. The hospital was never paid by my insurance. This is not my fault. In fact I have already had this once removed from my credit as all three credit reporting agencies previously took it off but the same old debt from 2017 just popped back in my credit report again this month. Just because it was sold to another debt collection agency.
05/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77086	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Paramount Recovery for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78727	Web
The Account Opened Date on my credit report should be XX/XX/XXXX but they have it as XX/XX/XXXX which makes it seem like a newer account than it really is. They have sent me a debt collection letter where they themselves stated the date opened but will not fix it in my credit report. I have reached out to XXXX, XXXX, and XXXX, but my disputes did not get resolved and Date Opened remained as XX/XX/XXXX.
01/02/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38134	Web
I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XX/XX/XXXX to release my medical records to paramount recovery.
09/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23606	Web	Servicemember
I received a call from Paramount Recovery regarding a possible medical debt. I asked the rep on the phone if they could provide a debt verification letter. The woman refused and put a supervisor on the phone, who then asked how I was paying to resolve the debt today. I then asked again if I could please have a debt verification letter sent to me via paper mail and was told that is not possible.
06/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 290XX	Web
Paramount Recovery 's response to the Consumer Finance Bureau was that the accounts were now closed from their offices, and they requested that the trade line be removed. However, this is not the case, as they have updated the collection account on my credit file and are reporting the same information twice. They changed one letter in the account number but reported the exact information twice.
01/27/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web	Older American, Servicemember
THIS IS NOT A NEW COLLECTION ACCOUNT AND WAS REMOVED BY XXXX XXXX WITHIN THE PAST MONTH. IT IS FROM A COMPANY NAMED PARAMOUNT RECOVERY FOR {$900.00} AND CLAIMS TO HAVE BEEN OPENED ON XXXX BELIEVE THIS STEMS FROM AN EMERGENCY ROOM VISIT FROM 7 OR 8 YEARS AGO THAT WAS SUBMITTED TO INSURANCE FOR PAYMENT. I HOPE YOU CAN HELP ME GET THIS REMOVED FROM MY CREDIT HISTORY WHICH HAS SCORES IN THE 760 'S.
05/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30214	Web
Debt collection placed on my credit report with all XXXX credit reporting agencies. The debt does not belong to me. I have been a victim of identity theft for a number of years. I received an alert from XXXX XXXX and XXXX that a collection had been placed on my credit report. I have no knowledge of the account. Paramount Recovery XX/XX/2023 {$1400.00} Collections placed on my credit report
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75010	Web	Servicemember
XXXX is inaccurately reporting debt not belonging to me as a collection XXXX XXXX Times for same amount. This account I am not aware of an it is appearing on my credit report XXXX times for the same date and amount XXXX must correct this error and stop the inaccurate reporting of PARAMOUNT RECOVERY SYSTEMS and XXXX XXXX XXXX XXXX XXXX must delete the duplicated reporting from my file.
09/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 853XX	Web
I had contacted the company Paramount Recovery Services regarding this medical account that they purchased in XX/XX/XXXX from an ER visit in XXXX. I had advised that my insurance would cover it and it was removed from my XXXX credit report XX/XX/XXXX but has yet to be removed by XXXX. I would like this information to be updated on my XXXX account as this debt has been dismissed.
04/26/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33168	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
11/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
I checked my credit report and found an account in collections that is not mine. The original lender for the account is XXXX XXXX XXXX XXXX opened 1 Years, 4 Months ago. The collections company is PARAMOUNT RECOVERY. I lived in Arizona years ago but have not been in the state since XX/XX/2016there is no way this account is mine. It is fraud and terribly hurting my credit file.
12/22/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30296	Web	Servicemember
I keep telling these people daily I will not give them my personal info, and they call and call again, I told them they are a 3rd party, not the original debtor to show me that I owe them they won't. I want the calls to stop this isn't even on my credit they are harassing me constantly. The lady gets smart each time I tell her to stop it. This is causing stress in my life.
01/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30533	Web
I'm currently in the process of buying a house and unknown collection account showed up on my credit report and dropped my score drastically I've never heard from this company I've never gotten any emails phone calls or any letters from them stating that I owed the date, it was placed on my credit without any notification about it, the company is paramount recovery systems
12/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web
Multiple times I have contacted all 3 credit bureaus XXXX and XXXX about the false collections showing on my credit for XXXX XXXX XXXX XXXX through a collection company called PARAMOUNT RECOVERY SYSTEMS for {$420.00}. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
10/11/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 75052	Web	Servicemember
XXXX, Tx send my medical bill to Paramount Recovery System which is a third party about my debit. On XX/XX/2016 I sent a certifield mail. Under the Fair Debt Collections Practices Act, I have the right to request Validatin of the they say I owe.I am requesting proof that I am indeed the party they are asking to this debt.I feel that my HIPPA has been breach of my privacy.
12/13/2020	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 33060	Web
This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.
10/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 238XX	Web
i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines
11/14/2015	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	TX 77373	Web
We found on our credit report and called. We talked to XXXX and she explained if we would pay she would have it removed from our credit. Once we paid we received a letter and it stated that they where paid and settled. They where not removed. We called her back and she would not honor what she had said. We told her we were going to report her and she did not care.
02/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32817	Web
I have written to Parramount two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act ... specifically they could not show me my signature on this alleged debt. Their continued listing this item on my credit report is a collection attempt which is barred under the the FTC XXXX opinion.
01/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32505	Web
Paramount recovery Systems I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
04/22/2023	No	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, Paramount Recovery SYS , 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.
01/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
Paramount recovery systems is not license or registered in the state of Florida to collect debt in the state of Florida where I reside. I will also be filing a complaint with my state Attorney General in the FTC. Please see attachments to show paramount recovery systems current active licenses and registrations in the state of Florida is not listed.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34953	Web
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Open balance : {$1900.00} & {$2700.00} Collection Creditor : PARAMOUNT RECOVERY Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
06/29/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 293XX	Web
They have posted a old medical debt to my credit report. They are using a method of showing an open date of 4 months ago when this debt is over 6 years old. This should reflect on my credit report either within within charge off date or a date of service of service. They they are in violation of the fair credit reporting act and was advised of this
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 338XX	Web
I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Number XXXX XXXX ) Paramount Recovery System XXXX XXXX
10/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85718	Web
I received a derogatory mark on my credit report in XX/XX/2021. The debt collector Paramount Recovery Systems is claiming that I owe medical debt from XX/XX/2021. I have never received a bill or phone calls from either the debt collector or the company claiming I used medical services. The information in the report is not accurate and not mine.
11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web
This debt does not belong to me as it randomly popped up on my account.I do not have any knowledge of this debt and have tried to dispute it with all.They are not authorized to collect a debt that they have not validated.I have asked for validation containing my signature.That shows this debt belongs to me and have yet received it.
06/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33755	Web
( PARAMOUNT RECOVERY SYS ) at XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX XXXX has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
09/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 793XX	Web
I have had multiple incidents where Paramount Recovery Services of XXXX Texas, has placed collection accounts on my credit profile in reference to accounts allegedly owed to to the XXXX County Hospital. This accounts are not mine. I have disputed the accounts before but after a few months they appear on my credit profile again.
03/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
09/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Paramount Recovery. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
10/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33067	Web
PARAMOUNT RECOVERY SYS Contact XXXX XXXX XXXX XXXX, TXXXXX (XXXX) XXXX-XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX 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.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32746	Web	Servicemember
XXXX XXXX XXXX Account has been reported by multiple Collection Agencies over the years. It had been removed from my credit report ( see attached -- -- ) and recently resurfaced from XXXX under PARAMOUNT RECOVERY as Opened Account XX/XX/2021 which is inaccurate and has reduced my credit score by 48 points! as a result.
01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 223XX	Web
A debt on my credit report states that the debt was assigned in XX/XX/XXXX when it was actually assigned in XXXX or XXXX. Now that the assignment date has changed, the account will sit on my account for an additional 6 years. I have also disputed this debt multiple times and have never been provided any documentation.
08/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76028	Web
I didnt know about this debt until it was already on my credit report- I did take my grand daughter to an emergency clinic where we met her dad. They had Medicaid and I didnt receive any bills. It is also on my credit report twice for the same amount and the same day The collection agency is Paramount Recovery
08/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10977	Web
I am doing this report because there were many fraudulent accounts in my credit report. I did not have knowledge about these accounts. This is inaccurate information that I would like to be removed. I am unaware of this account and the collections are reported in my credit report. Thank you.
09/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76112	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Thank you, XXXX
01/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 463XX	Web
I received ( in my daughters name ) a collection notice for a bill from two years ago from XXXX XXXX. We have never seen a bill from this company nor has our insurance been billed. Now, our insurance company has changed at my husbands work, and this will probably effect my daughters student loans.
10/08/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77077	Web
For the last few weeks This company PARAMOUNT XXXX has masked there number so it can come up as private & told me to call number ( XXXX ) XXXX the person called me was named XXXX she has harrassed me, my parents & friends with threatening voicemails & calls ... I have no idea what this debt is
03/18/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33155	Web
I am receiving derogatory remarks on my credit score from an account in collections from a company I do not owe for {$1100.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.
02/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29150	Web	Servicemember
I do not owe this debt because during this time my child had XXXX XXXX. Which means they shouldve filed with XXXX and we also had started Medicaid the following month. I feel they should file the insurance to get their money instead of waiting on coming after the parent ( me ) for this debt.
02/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21042	Web
This is a medical debt I have never received any info on. Showed up on my credit report on XX/XX/XXXX. Contacted the collection agency ( XXXX ) on XX/XX/XXXX and all they could tell me is that it stemmed from XXXX. They would not give me any further information. I am on XXXX and need help.
05/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WV 25701	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
07/28/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30016	Web
Company has yet to notify me in writing of any debt. I have requested and tried to dispute the debt from my credit report. They sent a letter stating I would receive documentation. 60 days later I have yet to receive anything. I am requesting paperwork of date of service, and signatures. Im
01/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33603	Web
A debt Validation letter was sent to the company on XX/XX/2021 and was received by the company on XXXX.No response has been sent back to the consumer. The creditor also has not notified the credit bureaus that the debt is being disputed. This debt is unfamiliar and needs to be cleared up.
01/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75040	Web
A debt under Paramount Recovery Systems is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.
12/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02453	Web
I am filing a complaint cause I have already notified Paramount Recovery systems on several occasions that the XXXX collections they have in their office they are collecting for Sterling emergency services account XXXX and XXXX I have let them Know and they continue to report account.
05/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI XXXXX	Web
back in XX/XX/2015, a car accident occurred where i had to be taken to the hospital by a friend ( not ambulance )! at the time this occurred i had and still have state medicaid. which should have covered the bill. and for some reason now they are denying the fact they can verify that.
07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 370XX	Web
On XX/XX/2022 I sent a debt validation letter to Paramount Recovery via certified mail requesting that the company validate a collection account. As of XX/XX/2022 I have not received any correspondence from the company validating the debt that is currently listed on my credit report.
03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11542	Web
Im filing this complaint cause Paramount is reporting a medical debt on my file and I have never visited XXXX XXXX. Someone used my identifying information to get treatment in a hospital in XXXX I filed an identity theft report and police report and I am attaching for your records
05/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33432	Web
Paramount Recovery Systems, LP. located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX sent me a bill for {$740.00} on XX/XX/23 and they won't give me any indications of what it is for. I requested them to give me more info and they won't. I can't confirm this is a legit charge.
07/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28306	Web	Servicemember
I have/ had insurance during the time of the medical visit. I uploaded the documents from my insurance company and the previous debt collection company removed the collection from my credit report. A new debt collection company has resubmitted the collection to my credit report.
04/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33647	Web
This company just reported four accounts on my credit file. I was never given the opportunity to dispute the information as it is false. This is not right at all what they do to consumers. Paramount Recovery Systems XXXX {$320.00} XXXX {$780.00} XXXX {$1800.00} XXXX {$560.00}
09/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
Paramount Recovery has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX XXXX XXXX. I have never been to that medical facility. I have contacted this company 3 times and they have yet to respond. Please remove this erroneous collection immediately.
09/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 275XX	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 63116	Web
I have no knowledge of this account as well as the dates keep changing every time I look at my credit report I lived in XXXX back in XXXX and the dates on my credit report do not coincide with the time I was in XXXX as well as two of the same dollar amounts by this company.
03/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32825	Web
Paramount Recovery Systems has added {$3800.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until this was added to my credit report. XXXX will not help in removing this.
12/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89141	Web
I recently filed a identity theft report in XXXX and there is still showing a collect from Paramt Rec ( original creditor : XXXX XXXX XXXX XXXX for {$710.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
09/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 38116	Web
ON XX/XX/2020, I SENT PARAMOUNT RECOVERY SYSTEM AND XXXX XXXX XXXX LETTERS FOR THE ALLEGED DEBTS OF XXXX ( XXXX ) XXXX XXXX ( XXXX ) THAT I DO NOT OWE.I HAVEN'T RECEIVE ANYTHING FROM NEITHER OF THEM CONCERNING THE DEBTS AND I HAVE ATTACHED COPIES BELOW FOR YOUR ASSISTANCE.
09/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 327XX	Web
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
11/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33614	Web
XXXX indicates date of service as XX/XX/13. This is almost 10 years. A debt that I don't know if it's mine and/or if it was paid off, since I have always had Health Insurance XXXX They say I owe the debt to XXXX XXXX XXXX XXXX. XXXX does not indicate who the Provider was.
03/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32807	Web
Paramount Recovery Systems has added {$150.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until it was added to my credit report. XXXX will not help in removing this.
04/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29730	Web
someone has used my identity XXXX my identity was stolen to receive services and open several accounts they continue to try to collect and report negatively on my file an account that is fraudulent i have filed a police report report number XXXX and a notarized affidavit
06/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93550	Web
I went to XXXX XXXX XXXX XXXX hospital and XXXX California on XX/XX/2019. I have XXXX medical insurance but I still received a bill for {$920.00}. XXXX covers all of my medical expenses and the bill shouldve been applied to my XXXX insurance. Can you please help me.
03/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Web
There is no way that I owe XXXX XXXX XXXX XXXX XXXX {$650.00}. I have insurance and have been there so many times and they have never mentioned that I owe money. I have tried to dispute this debt so many times and they have yet to verify and validate that it is owed.
03/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 510XX	Web
RECENTLY NOTICED A NEW COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS NEW XX/XX/2023 THAT I AM NOT AWARE OF AND DISPUTE THE ACCURACY OF THIS DEBT. I HAVE NO RECOLLECTION OF THIS ACCOUNT WHATSOEVER. PLEASE INVESTIGATE AND REMOVE FROM ALL 3 CREDIT BUREAUS. THANK YOU
10/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70805	Web
I paid a debt with Paramount Recovery for {$650.00} for my account to be deleted but its not on my credit and every time I called they say its been reported but the credit bureaus say they havent reported it since XXXX and its holding me up from buying my home..
06/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web
On XX/XX/XXXX, this company who I have NEVER heard of just added themselves to my credit report without sending me ANYTHING. This company is a fraud and you can tell based on the reviews online. I do NOT own ANY of these debts and they need to remove themselves.
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web	Servicemember
I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information
11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim of Paramount Recovery Systems is disputed and validation was requested. Paramount Recovery Systems So. has failed to provide validation. This is not my debt.
10/19/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 452XX	Web
The Consumer reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have three days.
07/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92124	Web
I recently pulled my XXXX credit report ( XXXX/XXXX/16 ) and noticed a collection account by : PARAMOUNT RECOVERY SYSTEMS, Date opened : XXXX/XXXX/16, Last updated : XXXX/XXXX/16. I do not know Paramount, nor have I been contacted by Paramount.
12/30/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75061	Web
I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.
10/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33952	Web
I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time.
07/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77014	Web
Im not aware of this hospital debt, I need this debt to be verified, and if it is not verified then it needs to be taken off of my credit report. Please and thank you Collection Open date : XXXX XXXX XXXX Original Loan amount : {$420.00}
01/18/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 077XX	Web
Paramount Recovery has reported to XXXX a negative collection account and want it removed immediately. This is not me and never been to XXXX XXXX XXXX.. This collection has damaged my score and is not even me please remove ASAP thank you
04/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 337XX	Web
This was a debt that happened 6 years ago. I was involved in a motor vehicle accident. I sent a check in to the hospital and they claimed that I paid the wrong bill. I sent a letter to the credit Bureau disputing it but got no response
04/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have sent various dispute letters via certified mail to have this debt validated or to be removed from XXXX. This item has been removed from XXXX XXXX and XXXX months ago because they couldn't validate the debt. Please delete asap.
01/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 936XX	Web
I recently tried to apply for a new credit card and didn't get accepted due to a collection n showing on my credit report. I was unaware of the bill and would have never found out the bill existed if I hadn't run my credit report.
01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70809	Web
There is a medical debt listed on my XXXX credit report that is not mines. I have contacted the collections department/credit bureaus disputing this debt however it is still showing on my XXXX credit report. This is not my debt.
05/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
I was grocery shopping and when I came out someone had broken into my car and stolen my wallet. In my contained my ID and social security card and since then I have been getting multiple inquiries from collection agencies.
03/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85233	Web
While attempting to make arrangements with Paramount Revovery for medical debt the representive made a statement about the negative reporting stopping us from being able to get mortgage, it was absolutely used as a threat.
06/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
Collection on credit report I have no knowledge of agency. Never heard of. Tried to remove from credit report and asked to sign up credit protection programs. Always states updating dispute without any changes in status.
07/06/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MO 654XX	Web
I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time.
03/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	DE 19901	Web
I got a collection put on my credit report and did not know about this medical bill and was never notified by the collection company that they were trying to collect the monies. I dont even know what this bill is for.
01/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79912	Web	Servicemember
They attempted to collect on a medical debt that is over 4 years old and I requested validation paperwork on the debt, but never received it. Its been over 30 days and I still have not gotten validation of the debt.
01/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.
01/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39042	Web
paramount recovery systems are doing the same thing they are reporting a debt but dont even have it in there office when i call them they tell me its not in there office that i need to call the original creditor
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75093	Web
Hello and hope all is well. Paramount recovery continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.
09/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 238XX	Web
I have contact the company and have told them that the debt is not mine i have also told them that i believe that the debt is identity theft and i need them to remove the debt from my credit report ASAP
08/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 305XX	Web
I didnt recieve any type of notfication about any debt owed from both the medical provider or the debt collection agency that a debt was owed and wasnt made aware until it was put onto my credit report
01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
Upon reviewing my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company. It has not been removed.
07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NE 68130	Web
I have disputed the duplicate listing twice now and have tried with XXXX and the company to have the duplicate removed. The company has refused and XXXX did nothing to investigate the duplicate.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33610	Web
I dont have any medical debt or collections and I dont know who these ppl are and information should not be on my credit report I believe this is fraud and would like this issue fixed immediately
03/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web
A random negative account for XXXX XXXX XXXX XXXX showing a {$1100.00} debt appeared on XXXX credit report. Absolutely no communication with company on their part has occurred. Disputed in XXXX
02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76018	Web
I do not have record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33143	Web
Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection
09/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92173	Web
This date was disputed and removed from my credit report when it was held by portfolio recovery associates. And then they sold the debt after removing it from my credit report. To XXXX XXXX
10/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33837	Web	Older American
This was settled through my lawyer XXXX XXXX with XXXX XXXX. This was a workers comp case. These are the payment made to XXXX Hospital XXXX Check XXXX {$220.00} XXXX Check XXXX {$360.00}
01/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75455	Web
on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.
10/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75240	Web
XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the time.
01/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75061	Web
During my annual review of my credit report, I have identified a collection item on my credit report : Paramount Recovery Systems. Balance : {$310.00} Listed as an " Installment '' Debt
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34654	Web
This medical collection is [ incomplete ] because [ I sent to the collection company asking for validation information about this collection ( a month Ago ) and I didnt get any response
06/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33309	Web
this debt collection was added to my credit report without my authorization. I do not owe them any money. I attempted to call them to remove to the collection but they won't remove it.
10/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76135	Web
Paramount Recovery Systems XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33614	Web
PARAMOUNT RECOVERY SYS is claiming that I owe them {$630.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/06/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AE XXXXX	Web	Servicemember
Im not sure what the debt is for but they called an ex girlfriend of mine who is also the mother of our child. I am XXXX in XXXX and they should not be contacting ex girlfriends.
08/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07065	Web
I asked that my debt be deleted from my credit report in exchange for me paying the balance in full. I paid the balance and the account still shows up as open on my credit report.
06/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06106	Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
11/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
PARAMOUNT RECOVERY S ( which is a collection agency ) stated i open an account XX/XX/2021 which is false, I have no knowledge of this debt and it does not belong to me.
11/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76137	Web
There is a collection which is unknown to me and I do not owe any medical bills, again I have disputed with no validation or evidence was sent to me please help me
03/19/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.
11/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76116	Web
I sent a validation letter out to the company ( paramount recovery systems ) more then 45days ago. They have yet to send me back any and all validation documents.
04/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
I need some help, there is a collection listed which I do not owe nor does this belong to me. I have disputed this with nothing received in return. Please help
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33625	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
09/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 75067	Web
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
09/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Web
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
09/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Web
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
09/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Web
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
09/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Web
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
09/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Web
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
12/22/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76021	Web
I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.
12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web
I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33607	Web
I received a notice of collection from XXXX and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!
04/26/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77096	Web
This company bond to collect in Texas was canceled in XXXX , which makes it illegal for them to collect debt. This company is not bonded in Texas.
04/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
I have disputed this, requested validation and verification and nothing has ever been sent. This is false information listed Paramount Recovery XXXX
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 760XX	Web
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.
12/02/2016	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	HI 96706	Web
Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 300XX	Web
XX/XX/XXXX and XX/XX/XXXX of XXXX for the amount of {$410.00}. They had lack of information and provided me with no contact information at all.
05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77530	Web
PARAMT REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
09/21/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
06/21/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TN 370XX	Web
Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus.
06/17/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL XXXXX	Web
I never go to this hospital I think someone else use my information to go through please I need investigators to know who do that
04/15/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77096	Web
Collection agency did not send out any information to consumet prior to reporting on consumers credit report. Violation of FCRA
02/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19007	Web
Paramount Recovery Systems has reported an 2017 medical debt as a new debt. This debt was disputed and closed, complaint XXXX.
05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30809	Web
This debit has already been paid and this company has already agreed to remove this debit from all credit reporting bureaus.
03/30/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 758XX	Web
the collection account refuse to send validating information on account. the account is not mine it belong to someone else.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77015	Web
XX/XX/XXXX, XX/XX/XXXX XXXX I have no knowledge of what this is and why it is on my report it really needs to be removed.
01/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76117	Web
There is a collection listed which is unknown to me, I have disputed this with no validation being received. Please help
01/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32809	Web
This medical bill shows in my credit report is not belongs to me. I want the company to remove it as soon as possible.
12/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76010	Web
I do not recognize that debt, since I paid it in full, I never received any type of payment or notification of new debt
09/17/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 349XX	Web
PARAMOUNT RECOVERY IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.
12/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 335XX	Web
My wallet was stolen out of my car. The thief used my ID and visited an emergency room and charged it to my name.
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77578	Web
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights
08/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33027	Web
Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.
12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76135	Web
I do not have knowledge of this debt that is attempting to be collected. In violation of FRCA and XXXX laws.
07/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75070	Web
PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME
05/21/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 36301	Web
This isnt the correct dates, this company is changing the original debt date and placing it on my credit.
10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
I have told the company multiple times that this debt is not mine and it has been removed multiple times.
10/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33145	Web
Not my account Paramount Recovery XXXX not my account! Never received service not my state on residence
03/07/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75067	Web
Too many account of XXXX XXXX on my credit report wrong database amont pls remove from my credit report
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33634	Web
They are reporting a medical bill to me and I have health insurance and I gave it to the hospital.
06/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45424	Web
Paramount Recovery Systems added a collection to my credit report without any written notification
01/17/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33162	Web
On numerous occasions XXXX XXXX emailed me regarding medical debt that they claim that I owe.
05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75050	Web
I checked my credit report and the accounts that are showing on my report are fraudulent.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78380	Web
missing information and reported 2 seperate credit collections that has been written off
02/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75070	Web
I do not have any outstanding medical claims with any company. This is not my account.
09/18/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30294	Web
THIS ACCOUNT DOES NOT BELONG TO ME, PLEASE REMOVE IT OFF MY CREDIT REPORT.
12/27/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75063	Web
amount paid in full. company still shows as owed. its never been past due.
02/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 760XX	Web
Debt has been sold without notifying me. This is violation of my privacy.
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30906	Web
I am a victim of identity theft and did not make any of these charges.
02/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 450XX	Web
I was never informed about this debt. I am not sure what this is for.
07/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 773XX	Web
Unknown debt, no verification please remove off of my credit file
04/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This account was unauthorized. I am a victim of identity theft.
09/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79930	Web
I SUBMITTED A VALIDATION OF DEBT REQUEST WITH NO ANSWER BACK.
07/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
I do not have debt at all.i do not owe nobody nothing.
06/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 302XX	Web
I have received no correspondence for this debt.
10/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 18104	Web
Have never received anything about debt owed
02/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75098	Web
It is being paid off and still in the report
01/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 799XX	Web
Disputes with XXXX and XXXX
06/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76180	Web
Not liable for debt
02/02/2024	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79705	Web

02/01/2024	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70817	Web	Servicemember

01/30/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29611	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30906	Web

01/20/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92173	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33056	Web

01/17/2024	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 752XX	Web

01/13/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 366XX	Web

01/10/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 338XX	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71251	Web

01/04/2024	Yes	Debt collection I do not know	Electronic communications Used obscene, profane, or other abusive language	OK 73139	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA XXXXX	Web

12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75501	Web

12/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	RI 02919	Web

12/20/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85711	Web

12/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92672	Web

12/18/2023	Yes	Debt collection Telecommunications debt	Communication tactics Frequent or repeated calls	NV XXXXX	Web

12/18/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 67206	Web

12/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web	Servicemember

12/17/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75238	Web	Older American

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33068	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55044	Web

11/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31906	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33637	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48045	Web

11/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web

10/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

10/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23503	Web

10/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75146	Web	Servicemember

10/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19464	Web

10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73112	Web

09/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75154	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45244	Web

09/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web

09/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 34758	Web

08/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33009	Web

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 56450	Web

07/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35120	Postal mail

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33076	Web

07/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77088	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32301	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33909	Web

06/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web

06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33021	Web

06/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70056	Web

06/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

06/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19116	Web

05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web

04/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10036	Web

04/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 17921	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30028	Web

04/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63052	Web

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17578	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33617	Web

04/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33140	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23221	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73117	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71603	Web

03/27/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60443	Web

03/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web

02/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web

02/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77373	Web

02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85635	Phone

02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Web

02/02/2023	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	TX 76522	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

02/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web

01/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web

01/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32812	Web

01/15/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 322XX	Web

01/12/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33020	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19132	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33409	Web

01/07/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33914	Web

01/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32566	Web

12/29/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30314	Web

12/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33321	Web

12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75662	Web

12/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 303XX	Web

12/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44123	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32714	Web

11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60643	Web

11/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

11/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32837	Web

11/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30312	Web

11/16/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77079	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77074	Web

10/26/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34116	Web

10/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53223	Web

10/19/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30349	Web

10/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web

10/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90028	Web

10/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 18951	Web	Older American

10/03/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33169	Web

09/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

09/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94534	Web	Servicemember

08/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web

08/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33026	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

07/22/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38114	Web

07/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18064	Web

07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33162	Web

07/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19135	Web

07/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33559	Web

06/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33607	Web

06/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33615	Web

06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33772	Web

06/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33592	Web

06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34639	Web

06/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29909	Phone

06/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

06/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10456	Web

06/02/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33015	Web

05/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web

05/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34758	Web

05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	GA 31535	Web

05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30157	Web

05/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33467	Phone	Servicemember

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77479	Web

05/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33547	Web

04/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 41562	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33311	Web

04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34759	Web

03/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 16749	Web

03/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33428	Web

03/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32811	Postal mail

03/01/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75232	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92105	Web

02/18/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 31513	Web

02/18/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MS 38930	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Web

02/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 380XX	Web

02/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77642	Web

02/01/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30309	Web

01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30324	Web

01/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91203	Web

01/25/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30067	Web

01/17/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33055	Web

01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34771	Postal mail

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32825	Web

01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30067	Web

01/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92532	Web

12/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10463	Web

12/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 36830	Web

12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

12/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33167	Web

12/04/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46628	Web

11/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33064	Web

11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45506	Web

11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45506	Web

11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33412	Web

11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38135	Web

11/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63120	Web

11/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web

11/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08757	Web	Servicemember

11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33460	Web

10/31/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 76082	Web

10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 32703	Web

10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85014	Web

10/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web

10/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38122	Web

09/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70760	Web

09/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33460	Web

09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web

08/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web

08/26/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

08/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33351	Web

08/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23704	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44137	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63115	Web

08/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32310	Web

08/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31093	Web

08/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29229	Web

08/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web

08/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75052	Web

07/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78664	Web

07/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30214	Web	Servicemember

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web

07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43609	Web

07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11221	Web

07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32953	Web

07/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

06/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32828	Web

06/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web

06/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94612	Web

06/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 38654	Web

06/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34606	Postal mail

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 45036	Web	Servicemember

05/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NE 68123	Web

05/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33309	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

04/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web

04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78729	Web

04/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32839	Web

04/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63130	Web

04/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34471	Web

04/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33066	Web

04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55379	Web

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Web

04/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32789	Web

04/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32805	Web

03/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18058	Web

03/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web

03/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32221	Web

03/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27909	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45013	Web

03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

03/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34772	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31069	Web

03/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21133	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60194	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	OK 73632	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98034	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31023	Web

03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23139	Web

03/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

02/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75603	Web

02/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70461	Web	Servicemember

02/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web

02/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34237	Web

02/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33578	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78252	Web

02/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33027	Web

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76014	Web

02/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07206	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31028	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33460	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77545	Web

02/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73105	Web

02/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web

02/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92587	Web

01/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78596	Web

01/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38127	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38115	Web

01/19/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 38002	Web

01/16/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79605	Web

01/16/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11105	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76132	Web

01/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30046	Web

12/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78745	Web

12/24/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

12/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45503	Web

12/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78415	Web

11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43154	Web

11/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30531	Fax

11/16/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78501	Web

11/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62010	Web

11/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32068	Fax

11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34639	Web

11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75010	Postal mail

11/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78043	Web

11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30313	Web

11/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55423	Web

11/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33679	Web

11/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23513	Web

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Fax

11/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34758	Web

11/02/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32924	Web

10/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07740	Fax

10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75007	Web	Older American

10/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70517	Web

10/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78214	Web

10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

09/30/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63135	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

09/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78750	Web

09/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32726	Fax

09/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	RI 02920	Web

09/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Fax

09/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45246	Web

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33417	Web

08/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78043	Web

08/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute		Phone

08/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08753	Web	Older American

08/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 79772	Web

08/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38109	Fax

07/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40324	Web

07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34711	Web

07/03/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33021	Web

06/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28214	Fax

06/16/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76270	Web

06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76058	Web

06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76209	Web

06/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web	Servicemember

05/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71106	Web

04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33321	Web

04/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75075	Fax

04/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75032	Web

04/10/2020	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	TX 77047	Web

04/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30294	Web

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31906	Web

02/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85345	Web

02/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31904	Web	Servicemember

02/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97008	Web

02/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70615	Web

02/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76105	Web

01/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33626	Web

01/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77545	Web

12/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web

12/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32824	Postal mail

12/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75039	Web

12/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web

10/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70301	Web

10/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30521	Postal mail

10/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75457	Web

09/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 74954	Web

09/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NV 89032	Web

08/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75147	Web

08/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32821	Web

08/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32829	Web

07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63077	Web

07/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78045	Web

07/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92860	Web

06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75006	Web

06/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 86426	Web

06/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77632	Web

06/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78046	Web

05/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75840	Web

05/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32810	Web

05/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71115	Web

05/16/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	HI 96726	Web

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

04/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78640	Web

04/15/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80223	Web

04/03/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

03/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33426	Web

03/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08742	Fax

02/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

02/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23075	Phone

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76112	Web

02/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33897	Web

02/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78660	Web	Servicemember

02/04/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72734	Web

02/04/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NM 88330	Web	Servicemember

01/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85711	Web

01/21/2019	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	OH 43050	Web

01/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78640	Web	Servicemember

01/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30263	Web

12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76244	Postal mail

12/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76132	Web

11/26/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

11/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75062	Web	Servicemember

11/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76180	Web

11/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

10/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web

10/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33476	Web

10/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75068	Phone

10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34986	Referral

10/05/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

09/27/2018	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	WA 98201	Web

09/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75050	Web

08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76710	Postal mail

08/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75243	Web

08/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48127	Web

08/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75409	Web

07/23/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63108	Web

07/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75039	Web

06/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web

06/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75032	Web

06/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76010	Web

06/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76180	Web

06/14/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63117	Web	Older American

06/10/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75063	Web

06/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	CO 80216	Web

05/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76063	Web

04/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 70730	Web

04/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web	Servicemember

03/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27101	Web	Servicemember

03/20/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75233	Web

03/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75061	Web

03/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

02/13/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76017	Web

02/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75240	Web

02/08/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75240	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70301	Web

01/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75287	Web

01/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34772	Web

01/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85143	Web

01/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75062	Web

01/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

01/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08724	Fax

01/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 79835	Web

01/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75243	Web

01/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76208	Web	Servicemember

12/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77385	Web

12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30308	Web

12/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75554	Web

10/28/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	TX 79936	Web

10/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37208	Web

10/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75056	Web	Servicemember

10/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76230	Web

10/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

10/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76018	Web

10/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web

10/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32808	Web

09/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77079	Web

09/21/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75098	Web

08/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75231	Web

08/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75181	Web

07/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33901	Postal mail

07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75238	Web

07/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75039	Web

07/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75034	Web	Older American

07/11/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75217	Web

07/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08527	Web

07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75077	Web

06/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15212	Web

06/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75137	Web

06/13/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75027	Web

06/09/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75061	Postal mail

05/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75067	Web

05/19/2017	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	CA 95111	Web

05/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 87109	Web	Servicemember

05/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76227	Web

05/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

05/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73113	Web

05/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75034	Web	Servicemember

04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33612	Web

04/12/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75051	Web

04/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75244	Web

04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75146	Web	Servicemember

04/05/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 75020	Web

04/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75238	Web

04/03/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 76028	Web

04/02/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 76039	Web

04/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web

03/20/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TX 76002	Web	Servicemember

03/10/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75067	Web

03/08/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75080	Web

02/27/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75080	Web

02/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75287	Web

01/20/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76018	Web

01/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76017	Web

01/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75080	Web

01/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76021	Web

01/02/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 75208	Web

12/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33160	Web

12/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75054	Web	Servicemember

11/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 79027	Web

11/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77272	Web

11/09/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 75001	Referral

10/24/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 75070	Web

09/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92124	Web

09/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76021	Web

08/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75243	Web

06/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CO 80907	Web	Older American

06/03/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NM 88063	Fax

05/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79936	Web	Servicemember

05/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75409	Web

04/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Web

03/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77022	Web

03/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85260	Web	Older American

03/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73160	Web

12/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77388	Web

11/03/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	TX 75023	Web

09/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NM 88220	Web

09/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76209	Postal mail

09/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76209	Postal mail

06/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75019	Web

06/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07764	Web

04/13/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 76140	Web

12/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75126	Web

10/23/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 76244	Web

10/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77491	Web	Servicemember

10/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75216	Web

09/30/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75214	Web

09/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76014	Web

09/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77662	Web

08/26/2014	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	TX 75067	Web

07/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60031	Web

06/17/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	LA 70874	Web

06/12/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MS 38617	Web

04/22/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 76015	Postal mail

04/09/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 76401	Postal mail

04/02/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76131	Web

03/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 79928	Web	Servicemember

02/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60014	Web

01/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75035	Web	Servicemember

01/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76016	Web	Older American, Servicemember

01/09/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75230	Referral

12/23/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76036	Web

12/12/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78744	Web