PDQ Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 302XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Thank you for your response, which is attached. Being that you have acknowledged that your company must follow the federal law set forth by congress in order to protect my rights as a consumer, your company should already know that you are in fact violating my rights as a consumer. Since you have already classified yourself as a debt collector, and not just a debt collector but a purchaser of this alleged debt from the original debt collector you understand that you initially violated my rights once you, and the debt collector that you purchased this alleged debt from, began any means of communication in connection with this alleged debt without my consent. Then, you continued to violate my rights once you communicated this alleged debt with consumer reporting agencies, also without my consent. This is in fact a violation of the FDCPA, 1692c, XXXX, XXXX XXXX has never given your company nor any debt collector any consent to communicate with any debt collector nor consumer reporting agency by any means. Secondly in your response you claim that I have an account with you. Please send over any documentary evidence that bears my signature that shows that I have any contract with you and your company. It is from my understanding that this alleged debt was in fact purchased therefore even if I were to even have any alleged account with the debt collectors that PDQ Services , Inc. purchased this alleged debt from, that alleged contract will be with that debt collector, and only that debt collector, and not with the purchasers of an alleged debt. Therefore, anything else that the debt collectors, PDQ Services , Inc. presents, including any alleged documentary evidence, is in fact heresy. Which will also make your company in violation of section 1692j of title 15 because you have unlawfully designed, compiled, and furnished a form that created a false belief about an alleged debt that I, the consumer, allegedly owes when in fact you have no right to collect on this alleged debt. Please be advised that under the provisions of the FDCPA, only I, the consumer, has the right to validate any debt as under section 1692g of title 15. A debt collector can only ASSUME that the alleged debt is valid, and the failure of a consumer to dispute the validity of a debt may not be construed by any court nor debt collector as an admission of liability by the consumer. Also please define the terms " frivolous and irrelevant '' as defined under the FCRA. What part of my prior dispute was frivolous and irrelevant if it is a request of debt validation in which I have the legal right to request as said so by congress under the FDCPA? Therefore the claim by your company of my previous dispute being " frivolous and irrelevant '' was not reasonable nor factual by any means, which under the FCRA is grounds for a consumer reporting agency who claims that any dispute by a consumer is frivolous and irrelevant. Please also show me in the FDCPA, where it says that I, the consumer, has a time period to REQUEST validation. By law your company must respond to the disputes that I, the consumer, brings forth, and your company has 30 days to respond, as that is what the law says. Being that in your response your company has identified themselves as a consumer reporting agency, your company has also violated my rights under the FCRA, when your company furnished a consumer report without my written instructions. Therefore, you are in violation of 15 USC 1681b when you furnished this alleged information to any other debt collector or consumer reporting agency. This violation is not only an invasion of my privacy, but also detrimental to my reputation, and causing a substantial amount of harm to my character, and mode of living. All of these violations that your company, PDQ Services , Inc. has engaged, and continues to actively engage in is harassment and abuse as said so by me, the consumer, and by congress under the FDCPA, 15 USC 1692d. So as a consumer, I am demanding the following specified remedies : 1. Deletion of any and all references of this alleged account ; 2. The removal of this account from my credit file ; 3. XXXX out the balance of this alleged account By law any notices from a consumer are official when received by the debt collector. As a consumer I give your company 5 business days to satisfy my specified remedies. If you fail to comply, as a consumer I will follow up with whatever action is necessary as you will be held liable for noncompliance under the Fair Credit Reporting Act, 15 USC 1692k, and the Fair Debt Collection Practices Act, 15 USC 1681n, as well as the Gramm-Leach-Bliley Act.
06/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30033	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt XXXX to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
02/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30260	Web
To Whom It May Concern : I am writing to inform you that upon reviewing a copy of my consumer report file, I have noticed an account from this creditor that is erroneous, inaccurate, and illegal. Therefore, I am requesting the description of the procedure used to validate the accuracy and completeness of this account on my consumer report. Be advised this is not a refusal to pay a debt, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action has aided in enabling identity theft fraud as my personal information is being used for financial gain without my consent under both federal and state laws. Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent. I am bringing legal action against you for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character Failure to notify that consumer disputes Reporting a closed account as open Failure of Metro 2 Compliance Reporting as all fields are not 100 % complete nor accurate, in example, account number is incomplete and showing stars/asterisks instead of a full account number Reporting same account multiple times as debt collection agency and as original creditor if applicable I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with you or your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the assigned debt collector. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was NOT canceled by 1099-C Verification that this debt was or was not assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful if applicable. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Respectfully,
01/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30083	Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern ; I would like to make a formal complaint about XXXX XXXX XXXX. Located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The account number they have for the account is ending # # XXXX and the amount owed is {$22000.00}. I have several complaints against this company regarding this account. 1. Per the Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ). I am entitled to receive a letter within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. a. Violation # 1 I never received a written notice from PDQ Services Inc. Since I did not receive this letter within 5 days. They took away my right to dispute within 30 days. b. Violation # 2 - This collection was placed on my credit report and I only found out about it when my report was pulled in XX/XX/2020. c. Violation # 3 - " Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). 2. I requested from PDQ in writing to validate this debt. I asked for documentation bearing my signature. What I received from PDQ Services Inc was an itemized bill and stated the debt had been validated ( see attached ). I sent a 2nd letter advising that my first request had not been satisfied. Again, I received the same thing I received the first time. Which was an itemized bill stating the account was validated. I also asked for the method that was used to validate this information. a. Violation # 4 I am entitled to receive a copy of the contractual agreement that I owe PDQ Services any monies. b. Violation # 5 I am entitled to receive a copy of the contractual agreement bearing my signature from the original creditor. I am also entitled to documentation that the amount owed is accurate. An apartment can put any figures on this form as they would like. Example, on this itemized bill it has XXXX XXXX. How can XXXX XXXX collect for XXXX XXXX. These are two different entities. c. Violation # 6 According to Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 3. The original creditor is XXXX XXXX Apartments. Per the Georgia landlord-tenant law, I am entitled to inspect and receive a move -out list and a list of all damages within 3 days of the landlord receiving possession of the property. I have never received anything from XXXX XXXX stating that I owe such amount. a. Violation # 7 Since I did not receive this information it took way my opportunity to dispute at that point. As well as make any arrangements to pay the alleged debt before any such collection activity began. I have sent 3 notices to PDQ Services Inc to resolve this matter to no avail. My request is that this debt be removed from my credit report immediately or I will seek legal counsel and representation. If you have any further questions or concerns, please feel free to contact me at the address listed on the letter above. XXXX XXXX
09/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : PDQ SERVICES INC XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Contact XXXX ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from PDQ SERVICES INC or XXXX XXXX XXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$13000.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 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 '' ). At this time, 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. XXXX. 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. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
12/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 303XX	Web
I am being held jointly responsible for a medical debt that the parent did not pay, after I brought their child to the doctor, and I should not be. PDQ is saying, when I checked the child in, I provided my name and signed a contractual agreement, which is the financial policy, and I am responsible for paying. I agree that I did sign my name to the contract, but that contract is the attached financial policy. The language of this agreement, in the payment of services section states I should not be held financially responsible, since I am not the custodial parent. Please see that the financial policy I agreed to states only the Custodial Parent is held responsible for any unpaid balances. At the time of the visit, before, and after ; I have never been the custodial parent of the child who 's services went unpaid. There is another attachment that can be referenced to verify who the custodial parent is. That would be XXXX XXXX, the joint account holder, and only person who should be responsible for this debt. PDQ will be referencing forms that were filled out at the time the child was checked in, including the attached financial policy they provided to me. The contractual agreement I signed is the financial policy of the merchant, XXXX XXXX XXXX ( see attached - financial policy : payment of services section - also posted on merchant 's website and in the office ). They will also say that my driver 's license was provided. This is because I acted in lieu of the actual father ( see attached - court legitimacy documents ). The forms that I signed can provide emergency contact information, but that is the extent of what is legally allowed. The only financial power the doctor 's office has over me is to refuse services for the child, not seek unpaid medical debts for somebody else 's child. If what I have said is not sufficient, the Parental Responsibility Laws of the State of Georgia exempt me from any legal financial responsibility. They only bind the custodial parent to their child 's medical financial responsibilities. The law states that only the custodial parent is financially responsible for anything related to their child, CUSTODIAL PARENT. PDQ and XXXX XXXX XXXX is breaking the law by holding somebody who is not the custodial parent responsible for this debt. Whether I claimed to be the father at XXXX XXXX XXXX or not, I was never the Custodial parent. Bottom line. It comes down to XXXX things. First, what was the financial policy that I agreed to at the time of service? Second, can an adult who brings somebody else 's child to a doctor, who is not the legal guardian or custodial parent, legally be held responsible if services go unpaid? XXXX items answer these questions : the parental responsibility laws in The State of Georgia, court legitimacy documents dated well before the doctor visit ( attached ), and the financial policy for XXXX XXXX XXXX ( attached ).
12/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30542	Web	Older American, Servicemember
I went to the doctor for a medical condition with XXXX. I completed all of the necessary paperwork and the doctor 's office filed a claim on my behalf which was supposed to have been sent to the insurance company ( XXXX ). I never heard anything back from the doctor 's office after that nor did I get any information from the insurance company stating that I owed any money. Shortly after that visit I moved to a new address and never received a bill from the insurance company or the doctor. About one year later, I was checking my credit reports and I find XXXX entries of collection on my reports. XXXX was from PDQ Services Inc and the other was from XXXX but with the PDQ Services address and information. I immediately called the doctor office and was told that there was nothing they could do and that I would have to call PDQ. I immediately called PDQ and offered to pay the bill in order to get it off of my credit reports as I did n't want my credit tarnished from a {$230.00} bill. PDQ was paid via credit card online. After that I still noticed that PDQ had the information on my credit report and I told them that I thought this violated my privacy rights and HIPAA as it showed my potential medical condition. I asked that the entire credit line be removed from my reports as it was paid and served no purpose based on the fact that I never received a notice of a bill. Neither PDQ, XXXX or the credit reporting agencies wanted to listen to my plea. I honestly feel that I have been taken advantage of and become a victim of shoddy medical collection practices. I also think that the doctor never attempted to contact me as this could have easily been paid in the early stages if only I had been contacted. I asked the credit reporting agencies to verify the methods and they basically gave me a nonchalant answer. They claimed to have verified the collection but could n't have as PDQ and the doctor sent me a letter stating that they were not going to address my complaint. Everyone ignored my pleas after I paid the account and all they wanted was their money. They had no concern for my rights as a citizen. The credit reporting agency says that they mask reports when sending out medical information but I am inclined to disagree as I see poor reporting from them each time I look at my credit reports now. PDQ does not bargain in good faith and should have never had my medical information in the first place as they have no business associate agreement with the doctor. I asked for this but it was never given which leads me to believe that they are handling sensitive information without a need. I asked them to verify the debt after the fact and they only sent me a letter stating that the debt had been paid in full. All in all, this has been one unpleasant situation to be in as a result of a {$230.00} medical collection debt.
04/20/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services, Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached, for the second time, to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX, XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication, not mine, the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX, XXXX, not XXXX XXXX, XXXX as it is currently listed on my credit file. Next, as reflected on the attached bill dated XXXX XXXX, XXXX, the account balance is {$490.00}, not the {$370.00} as stated above in their response to my complaint. Once again, acting in bad faith by trying to collection more than the actual bill. How does the Company explain the difference? The bill is for {$240.00}. Not {$370.00}. I will file a separate complaint against the dental clinic. This Company, PDQ, is ruthless and harassing in its collection efforts. Do they inflate the amount owed and prey on consumers that have hit hard times, then later " settle for an amount '' less than the stated value, thereby tricking the consumer? The issues : The Company is purposefully reporting this account as first going into collections on XXXX XXXX, XXXX, after the initial letter written by them on XXXX XXXX, XXXX thereby adding 1 year, 10 months and XXXX additional days to report and collect the debt. The response from PDQ is dishonest and inaccurate when stating they did n't have the collection account in XX/XX/XXXX as the letter written on the PDQ letterhead proves otherwise. This Company must accurately reflect the initial date of collection. Id like an investigation into their billing and reporting practices to find out how many consumers they have practiced these ruthless and unethical tactics with.
04/12/2021	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 30045	Web
on XX/XX/2021 sent all major bureaus, XXXX XXXX XXXX my affadavit regarding ID theft seeing unauthorized accounts on file. Also, these accounts are reporting negative information on my file. Lets start with Experian : FCRA 623 ( a ) ( 7 ) Negative Information In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative, in writing, to the customer. ( B ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( 1 ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 clays after, furnishes the negative information to a consumer reporting agency described in section 603 ( p ). ( 1 ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosure provided under section 127 ( a ) of the Truth in Lending Act. I have done my own investigations and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. You are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Name of Account Account Number Provide Physical Verification PDQ Services INC XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$220.00} Fair Collections & Out XXXX {$180.00} XXXX XXXX {$540.00}
07/07/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	GA 30294	Web
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR PDQ, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. This DEBT COLLECTOR PDQ, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR PDQ, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR PDQ, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. THIS DEBT COLLECTION AGENCY DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.
04/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30024	Web
PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : XXXX I have successfully conducted a move-out inspection with XXXX XXXX representative for the apartment location at XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management XXXX XXXX XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. Accordingly, I was not able to contact XXXX management within XXXX days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. In addition, XXXX payment portal Apartment Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from Apartment Assistant. XXXX XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. XXXX XXXXstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. XXXX I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX XXXX monies. Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.
05/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30024	Web
PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : 1- I have successfully conducted a move-out inspection with XXXX XXXX representative for the XXXX location at XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management . 2- XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. Accordingly, I was not able to contact XXXX management within 30 days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. In addition, XXXX payment portal XXXX Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from XXXX Assistant. 3- XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 4- Notwithstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 5- I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX any monies. Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.
06/22/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web
This is not a duplicate complaint! I reference the previous complaint number but it is new information in detail. In response to CFPB complaints # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for violating a cease and desist notice they received XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my Experian consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint. PDQ Services Inc stated, that they invite you to write us directly at XXXX XXXX XXXX, XXXX, GA XXXX. I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with PDQ Services Inc and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. PDQ Services Inc " stated your dispute above is too vague and we need more information to complete an investigation. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving PDQ Services Inc any right to collect on this alleged debt. It is my belief that PDQ Services Inc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. PDQ Services Inc also stated " we will be happy to provide a proper response. I have never received any documentation requesting by attempting to furnish validation from PDQ Services Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PDQ Services Inc 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 fraudulent furnished account with forethought and malice as an attempt to bring
08/21/2017	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 33056	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX XXXX, PDQ, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
07/14/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web
My name is XXXX XXXX and I am filing this complaint against PDQ in response to CFPB complaint # XXXX. PDQ stated that they were debt collector and this is an attempt to collect a debt. PDQ states that my overall complaint is uncertain, indefinite, or unclear. PDQ also stated that PDQ never alleged that I made a contract with PDQ, however PDQ is reporting negatively to the consumer reporting agencies. PDQ also stated that you will continue to report as disputed.PDQ also stated that they are a third party debt collector and are attempting to collect on behalf of the original creditor. I have never willingly contracted with PDQ and they have no lawful authority to be in possession of any of my nonpublic personal information and as they stated they never alleged that I made a contract with them. I have reasonable cause to believe that fraud has been committed. I am aware that due to the fact that my information was sold to a nonaffiliated third party without my lawful authority, this constitutes aggravated identity theft and is a violation of 18 U.S. Code 1028A.PDQ has taken unlawful extortionate means and used my nonpublic personal information to furnish information to the consumer reporting agencies they had reasonable cause to believe is inaccurate. PDQ has disclosed my nonpublic personal information to the consumer reporting agencies with forethought and malice to bring harm to my financial reputation.I have reasonable cause to believe the consumer reporting agencies were negligent to remove this inaccurate information due to their business relationship with PDQ. PDQ has conspired with the consumer reporting agencies they do business with, to coerce me to pay. PDQ has knowingly received proceeds from extortion to fund their criminal enterprise.
04/06/2022	No	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 171XX	Web
It has come to my attention that the credit collection company doing business as PDQ Services Inc located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX is in violation of my State of Pennsylvania Licensing Requirements for collection agency activity and is hereby breaking the law that protects my rights as a consumer. They have furnished a debt to XXXX and XXXX credit bureaus in the amount of {$18000.00} in which they claim I owe to PDQ Services. They mailed me a letter to my address requesting payment. I mailed a certified letter XX/XX/2022, to their address listed on my report which shows as PDQ Services Inc XXXX XXXX Ct XXXX XXXX XXXX GA XXXX requesting validation of this debt along with proper legal documentation showing that I am responsible for this debt they claim I owe. To date they have refused the accept the certified letter with signature verification for delivery. I contacted the post office and they stated it would be up to the partys discretion as to whether or not they wanted to sign for the letter, otherwise the letter would be returned to me. PDQ appears to be avoiding proper compliance by refusing to sign for my certified letter. After further research of this company, I have proof they are in violation of Pennsylvania law and my rights as a Pennsylvania resident. The State of Pennsylvania law requires that in order for a collection agency to contact PA residents seeking collection of a debt they must first be bonded in the amount of at least {$5000.00}, have a background check and be licensed, none of which they have. I will attach these requirements to this complaint as well. Because they are breaking the law and violating my rights I'm requested the following resolution below.
04/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.
06/24/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30014	Web
I have made multiple attempts to have this company review its medical billing practices. I contacted the insurance provider, XXXX, and had the representative contact the agency directly to receive itemized billing as well as dates. The company refused to comply with the insurance carrier stating it was not an insurance issue. The company, XXXX XXXX double billed. The company wanted me to pay, as well as billing my issuance for procedures that did not take place. I will billed for XXXX I did not receive. As shown in email communications with the billing department, the company would bill in advance for services not rendered. When we refused to pay fr services not rendered, the company sent out account to collections. We spoke with a XXXX XXXX with PDQ Services. XXXX is the representative who refused to speak with our insurance carry, and would not provided details on what we were being charged for. To date, only a dollar amount is provided, not the services for which were alleged rendered for payment. Our last communication with XXXX XXXX from PDQ Services, and XXXX XXXX was in XXXX 2017. Now PDQ Services have reported this fictitious amount to XXXX, and sent us a letter stating that " pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practice ACT, that they have provided verification multiple times, and the validation period has since passed the day 30 days. '' We have yet to receive any such communication. Just a fraudulent collection on my credit report.
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
11/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web
On XX/XX/XXXX while reviewing my Credit Reports from XXXX, XXXX, and XXXX I noticed a collection account listed for an account I have no knowledge. The original creditor stated is XXXX XXXX. I have never done business with or entered any contract with XXXX XXXX. The account was reported to all three agencies on XX/XX/XXXX and continues to be reported each month by the following Collection Agency : PDQ SERVICES , INC . XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX On XX/XX/XXXX after discovering this fraudulent account I sent a letter via USPS Certified Mail Return Receipt Requested requesting validation of this debt including any document that contained my signature. I received the signed Return Receipt on XX/XX/XXXX. According to the FCRA, the company had thirty days from receipt of my letter to provide validation of the debt. As of today XX/XX/XXXX I still have not received anything from this company. Therefore, I filed a dispute with all three credit reporting agencies in which PDQ Services , INC. replied to them that the account is being accurately reported. The credit reporting agencies have closed the dispute stating the same. However, if the creditor could not simply validate the debt for me the consumer, the credit reporting agencies can not state the account is being reported accurately. I want this account removed from all credit reporting agencies as it is fraud and I have no knowledge of it.
03/08/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30127	Web
PDQ Services , Inc, have repeatedly tried to collect on an invalid bill for dental services, a cleaning, provided by XXXX XXXX XXXX on XX/XX/XXXX. Upon receiving a collection notice from PDQ, dated XX/XX/XXXX, I responded via mail to PDQ on XX/XX/XXXX, notifying them the claim was invalid and was in fact rejected by the insurance company because it was a duplicate already processed. I sent a copy of the EOB confirming the claim had already been paid by insurance and confirming that the billing in question was a duplicate and invalid claim. PDQ refused to correct the error and mailed me a second, threatening collection letter, dated XX/XX/XXXX, to which I responded again in writing on XX/XX/XXXX and provided another copy of the EOB confirming it was an invalid and duplicate bill. I followed that letter with a phone call to PDQ, during which they acknowledged receiving my correspondence and apologized for the error. On Sunday XX/XX/XXXX, I was notified by XXXX card services that PDQ had entered a derogatory claim on my credit record for failing to pay the invalid invoice referenced above. As a result my credit score has dropped and so far, one creditor has reduced my availability already, as a result of the fraudulent, derogatory information added to my credit record. Id like to pursue all options under the law to hold this abusive collection agency accountable for their illegal actions.
07/14/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I sent in several certified letters to all XXXX credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all XXXX bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all XXXX credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
12/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 303XX	Web
I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account. 5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
02/18/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 303XX	Web
I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.
12/27/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
I was sitting at home checking my emails and received notification that my information had been exposed in the XXXX data breach and it caused me to check my credit report. I noticed a few accounts that I did not authorize or recognize to be anything I had done. I reached out to the creditors as well as the bureaus involved. I sent the first certified letter to PDQ on XXXX XXXX asking for a validation of the debt which I received no response nor did I ever receive anything prior from them regarding a debt. I then sent a certified letter to XXXX and XXXX disputing the debt. One bureau replied stating unable to verfiy the debt and removed the account from my profile the other showed verfified. I then sent 2nd letter asking for validation of debt and still no response. At this point I know my rights as a consumer of the Fair Debt Collections Practices Act has been VIOLATED. The collector must validate the debt and PDQ has failed to do so and if this office is not going to enforce the law I will have no choice but to file a lawsuit. This has caused me more distress physically and mentally. I have all correspondence that I have sent certified to both the collection agency and credit bureau attached.
03/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30228	Web
I have sent certified letters to this company and A level 3 HIPPA violation was committed. A level 3 violation is '' an offense committed with the intent to sell, transfer, or use individual identifiable health information for commercial advantage, gain or maliciaous harm. Violation of Subtitle D of XXXX Sec XXXX ( Application of Security provisions and Penalties to Business Associated of Covered Entities ) Violation of Subtitle D of ARRA Sec 13407 ( 1 ) Breach of Security ) Liable for penalties under the HITECH ACT PQD SERVICE INC is in clear violation of HIPPA ( ... no permissible business purpose in divulging protected health info to anyone on an account ) should you ever inquire, report, update or verify anything on the credit report. I am asking you to have PDQ SERVICES INC located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX delete all information they have furnished to any and all credit bureaus and destroy any information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection. I will file a formal complaint to the XXXX XXXX and the XXXX XXXX against your company
10/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30312	Web
On XX/XX/XXXX I disputed the the debt attempted to being collected. I have mailed out a letter asking to properly verify the debt showing 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 company has sent over a hand written note stating I owe {$490.00}. This piece of paper does not have a contract with both parties signature agreeing to this debt. Also this piece of paper is not identifiable. It does not state my name or the company name nor does it have my signature on this paper.I was not given a FULL consumer contract with my signature on it. I have attached a letter from my credit report that corresponds with my payment history. i paid my rent through their system called XXXX. My credit corresponds and states that I paid my rent up until XXXX of XXXX. Why am I being charged for XXXX rent. This company has NO DATE on the invoice. No COMPANY NAME on invoice. No signature. No contract on this invoice.
03/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 31326	Web	Servicemember
I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later.
04/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
PDQ Services Agency in XXXX, GA credit agency has submitted false documentation to the XXXX credit reporting agencies. PDQ lists the date of collection on all XXXX credit bureaus as XXXX XXXX. This date is inaccurate. PDQ sent the first collection letter on XXXX XXXX, XXXX with an erroneous amount owed of {$490.00}. I refused to pay the amount because it was inaccurate. I have a bill from the from Dr. 's office stating the correct amount of {$240.00}. Our medical insurance was billed, therefore, I did not pay. The bill was later turned over to collections. PDQ added this collection to my credit file at all XXXX agencies for a different amount of {$370.00} with a different reporting date on XXXX. PDQ is erroneously trying to illegally extend the period of collections by reporting the debt 2 years after the original communication. PDQ is also trying to collect more than the actual debt. PDQ sent the original collection letter on XXXX XXXX, XXXX yet I received an invoice from the Drs office on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. How can a debt be collected by XXXX different companies at the same time?
08/03/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30135	Web
PDQ Services INC, has violated my rights as a consumer. They report two ( 2 ) accounts to the credit bureaus under my name, dob and ssn. I do not owe PDQ Services Inc any money or the original company Center for XXXX. I paid via XXXX XXXXXXXX card and was told I didn't owe any money. Also, I never received a debt validation letter from PDQ Services Inc prior to them putting these two accounts on my credit profile. If these two ( 2 ) false accounts are not removed from each credit bureau I will seek council from an attorney. Also, I would like for PDQ Services to send me signed agreements and contracts from Center for XXXX showing I agreed to pay that amount because I still have the original email from the surgery scheduler regarding the total amount that I was responsible for and I paid it. I will be providing my attorney with the email which shows I paid the amount asked of me and that payment was made via XXXX XXXX payment. As stated by my attorney, I can sue PDQ Service up to {$1000.00} per account listed on my credit profile inaccurately and falsely.
02/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30721	Web
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.
07/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30339	Web	Servicemember
PDQ Collections sent me a notice of collections in XX/XX/2020. I disputed the debt within the 30-day timeframe they required. I obtained the fax number to the collection agency and faxed a dispute form stating I didn't owe the debt. This dispute form was faxed to PDQ on XX/XX/2020. Instead of holding the file, they reported the debt to the credit bureaus, thus negatively impacting my credit. I have filed a complaint with the Attorney General 's office as well siting both PDQ and XXXX XXXX XXXX. PDQ violated FDCPA regulations and XXXX XXXX 's behavior ( running unnecessary tests on a patient 's biological specimens ) behavior which is both unethical and unprofessional. XXXX, the debt is only {$100.00}, I refuse to pay a debt I do not owe. It has taken a lot of time dealing with the situation ; however, the conduct of both PDQ and XXXX XXXX must be confronted and reported or they will continue this bad behavior negatively impacting many people and their families in the worst way.
11/09/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this PDQ SERVICES ( Original Creditor : XXXX XXXX XXXX AKA P ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 303XX	Web
I have sent a letter to the Collection Agency, XXXX XXXX disputing a collection account of XXXX dollars on my credit report. The original creditor stated is XXXX XXXX XXXX and the information on my credit report is inaccurate. On XX/XX/2022, I sent a letter via XXXX Certified Mail Return Receipt Requested requesting validation of this debt including any document that contained my signature. I received the signed Return Receipt on XX/XX/2022 at XXXX am. According to the FCRA, the company had thirty days from receipt of my letter to provide validation of the debt. As of today XX/XX/2022, I still have not received anything from this company regarding the letter I sent on XX/XX/2022. XXXX XXXX has not complied with the FDCPA and are now in violation of the act. According to the FCRA, section XXXX ( b ). PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
04/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
In XXXX, I sent a letter to PDQ Services collecting on a bogus debt that they I say I owned to apt complex by then name of XXXX XXXX. I asked PDQ and XXXX to validate the debt and they have failed to properly do so. I have also sent a compliant to the XXXX regarding XXXX XXXX XXXX in XXXX, GA and their bogus and predatory practices that violates citizen 's renters rights. I have also asked for where I have agreed to their claims and the paperwork clearly shows NO signature from me agreeing to the move out terms or claims. The document they sent me is a statement of deposit summary and has a charge listed, which that is also not proper proof of debt owed to you or XXXX XXXX XXXX. PDQ agency has not complied with the FDCPA and are now in violation of the act. They need to immediately remove the collection listing from my credit report or I will file lawsuit because you are in violation of the FDCPA, section 809 ( b ).
03/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
I spoke with PDQ Services last month regarding this debt that they claim I owe to XXXX XXXX XXXX . XXXX XXXX XXXX claim that I owe them money for an apt `` trash out '' during move out. They say they have contacted the original creditor " XXXX XXXX ' and confirmed the debt, which is FALSE. As the documents shows on the move-in and move-out inspection that I never was aware of a debt and I never signed a move OUT inspection. I have not received any PROPER validation of this debt and it need to be removed from my credit report immediately. I am also reporting XXXX XXXX XXXX for bogus business practices for trying to rip off residents, not to mention, that when I moved in I didn't have a security deposit. So I guess they wanted to make some money off of me by any means. Again, PDQ is not complying with the FDCPA and are in violation of the act. This account should be deleted immediately!
08/01/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 454XX	Web	Servicemember
I have attempted to contact PDQ Services Inc. after discovering them on my XXXX report for a debt in the amount of {$2000.00}. I spoke with XXXX XXXX and informed him that I was not aware of the debt and had not receive any type of correspondence regarding this debt. He informed me of the address they had on file. I asked if he could send me verification of the debt. I received one piece of paper stating the amount of the debt and the original creditor which was an apartment complex by the name of XXXX XXXX. I had never rented from that apartment. so I contacted the apartments directly and they had no record of me living there. I attempted to contact PDQ Services and spoke with XXXX XXXX again advising him that I wanted a full detail validation of the debt. He refused to provide any information. He then hung up on me and has refused to take my calls or return calls.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 310XX	Web	Older American
In XXXX of XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX and XXXX to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to XXXX, made two disputes and XXXX refused to remove the item. The collection agency PDQ Services in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months XXXX continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.
12/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30152	Web
On XX/XX/2018, I found a debt on my credit for XXXX XXXX XXXX XXXX. The debt was deceptively added and I had no idea it was there. The company that added it did so unlawfully. I called PDQ services ( http : //www.pdqservices.net/ ), asked the rep what the debt was for and she could not tell me. She said they would do an investigation on it. The next day, XX/XX/2018, I called again and the rep told me the debt will be removed and they would be notifying the credit bureaus. I asked again what the debt was for and she could not tell me. I asked for something in writing regarding the debt and the request for removal. She transferred me to a supervisor named XXXX who rudely told me not to callback, she said they will not be sending me anything in writing and hung up on me. I am reporting PDQ servdices for violation.
09/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30318	Web
Im in the process of applying for a home loan. I noticed this {$420.00} collections from PDQ Services on my credit report. I spoke with a representative back in XXXX and asked to be send an invoice they agreed. In XXXX I was recovering from XXXX XXXX which had me out of commission for XXXX weeks never received an invoice. On XX/XX/XXXX they put {$420.00} on my credit report. To be honest I was quite devastated since I had a credit score of over 700 at the time. I called them and spoke to a representative that said they mailed the invoice back in XXXX. I told him I never got it, he then quoted me the WRONG ADDRESS. I have since PAID OFF this invoice once I received it on XX/XX/2022. Im requesting PDQ Services be REMOVED from ALL 3 credit reporting agencys due to the collection agencys error.
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
I have sent PDQ services several letters in the mailing ask them to send over a contract. They have all mentioned that they have sent over an itemized bill, which is unacceptable. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified ; you are obligated by law to remove the item. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. This needs to be deleted from my credit report immediately!
09/05/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web	Servicemember
I was seen at this dental agency in XXXX of 2016. I went in for a routine cleaning and the dentist reviewed my x-rays and said I would need a crown, so an appointment was set for a week later, XXXX 2016. I had dental insurance and was pre-approved for full coverage for the procedure. When I arrived the head dentist said he was not comfortable completing the procedure because I had a high risk XXXX and was was XXXX months pregnant at the time. Thus I NEVER HAD THE PROCEDURE they keep trying to have me pay for. I did not know the debt was owed until I was contacted by PDQ collections. I then called the dentist and they shared the dentist was no longer there and could not confirm and the debt had already been sold to a collection company so was out of their hand.
09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30039	Web
There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of PDQ Services. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all XXXX credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.
09/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
01/31/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30274	Web
I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.
09/23/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 30252	Web	Servicemember
PDQ Services , Inc is in violation of HIPAA on an account you have reported on my credit file. The company is XXXX XXXX XXXX, XXXX XXXX. ( A XXXX search of " XXXX XXXX XXXX XXXX '' returns the medical office # XXXX in the search results. ) '' Under a new FACTA provision, consumer reporting agencies may not report the name, address, and telephone number of any medical creditor unless the information is provided in codes that do not identify or infer the provider of care or the individual 's medical condition. This does not apply to insurance companies selling other than property and casualty insurance. ( FCRA 605 ( a ) ( 6 ) ). " I am requesting that you delete any reference to this account from my credit files contained on all XXXX credit bureaus..
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web
I recently received another letter in reference to an apartment complex. Nevertheless, XX/XX/XXXX, I was XXXX in that apartment complex by XXXX people. The apartment was aware because the security officer seen it and came to help in after being attacked. Furthermore, management property that was originally over the property stated to me that because of the XXXX incident that I have a right to leave immediately. However, I been receiving tactic letter and harassing letter. This account is not in my name. This account is associated with my baby mother. However, she does not owe as well because she left this complex in XX/XX/XXXX. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.
02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30067	Web
PDQ services continues to add things to my credit file despite not being able to furnish signed paperwork of any agreement between myself and themselves. I have never lived at a company called XXXX or signed and agreement with XXXX. I do not owe them money. This is illegal and its still on my credit report despite multiple disputes and attempts to resolve with the company directly. This account was added to my credit report on XX/XX/XXXX. I immediately disputed it on XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX, XXXX and they could not furnished any agreements but XXXX, XXXX, and XXXX allowed the account to stay. The account was removed once on XX/XX/XXXX but then placed back on without my knowledge.
02/25/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30062	Web
Hi, I was a victim of identity theft resulting in 2 cars being purchased in my name. I called to inquire about this charge : PDQ Services INC ( XXXX XXXX. ) and come to find out I supposedly owe {$65.00} for a cancelled car insurance policy. I am desperately looking to close on a home and out of an attempt to get this off of my report I just went ahead and paid what I they said I owe- come to find out even though the debt is paid in full it is still going to be listen on my report. The agents name I spoke to was XXXX XXXX. I paid on XX/XX/2020. Confirmation number is XXXX and the account number associated with this collection is XXXX. I can provide identity theft police report if needed.
03/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30126	Web
I sent a complaint on XX/XX/2020 regarding a debt that PDQ says I had with them. I sent PDQ Services requesting proper validation of debt. I have not received proper proof that I am indeed the party they are asking to pay this debt and there is some contractual obligation, which is binding on me to pay this debt. I didn't have any knowledge of this debt and they are collecting on something I never agreed to ever pay. I have sent the XXXX another compliant about there predatory practices. Delete this account immediately from my transunion credit report because XXXX and XXXX has done so or I will file a lawsuit because they are still violating the FDCPA.
07/15/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30127	Web
PDQ Services, Inc reached out to me in 2020 regarding a medical debt from XXXX XXXX XXXX Associates. I sent them a letter challenging the debt and PDQ Services , Inc proceeded to put the negative remark on my XXXX report anyway. After noticing the negative remark on my credit report, I sent a second letter for debt validation and they responded to me after 90 days with a copy of some paperwork from XXXX XXXX XXXX XXXX which gave details regarding my medical history which is against the HIPPA Act laws. I am requesting that PDQ Services , Inc. remove any negative information off of all consumer reporting agencies associated to my social security number.
06/19/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30016	Web
I have asked PDQ Services Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30040	Web
On XX/XX/2020, PDQ SERVICES INC and on XX/XX/2020 XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PDQ SERVICES INC and XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
02/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30291	Web
I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!
12/09/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
I have reached out to PDQ Services, INC in regards to them reporting inaccurate information on my credit report. Not only is this information inaccurate but it is also in violation on HIPPA rights. I feel that this inaccurate reporting is in direct violation of my protected health information. They have reported that I have a collection from XXXX XXXX XXXX XXXX, XXXX. This inaccurate is very embarrassing and has caused me great XXXX. My attorney friend informed me that I should reach out to you to make sure that this inaccurate and embarrassing information is removed from my credit report immediately.
10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30223	Web
On XX/XX/2016, PDQ Services, INC added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO 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 that it belongs to me. According to the FCRA, PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
09/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 171XX	Web
Hello, I have only received vague correspondence from you about this debt you claim is owed. In your response you failed to provide me with an itemized list of what is owed where the balance will total {$18000.00}. I would like to know all of your additional interest and fees that might be added or included in this amount you claim I owe. Please include how this amount was reached and where it originated from. I would also, like to know when and how you obtained this debt? What type of debt is this? Is this a judgement, credit card, etc. Account number XXXX
11/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web
I am making a complaint against this company because they are refusing to remove this collection that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting with XXXX. Remove this item from my credit report ASAP
12/25/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30542	Web	Older American, Servicemember
This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise.
05/10/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
PDQ has reported this debt opened on my credit report as of XXXX XXXX, XXXX. PDQ began collection efforts on XXXX XXXX, XXXX as indicated by the attached letter from PDQ to me. PDQ is illegally and erroneously reporting incorrect collection dates to allow them more time to collect zombie debt. PDQ 's response thus far as been to state they will " not discuss a letter that is over 2 years old ''. The consumer protect act requires accurate and honest reporting. PDQ is neither accurate or honest in reporting these dates in my credit report.
05/22/2022	No	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 30021	Web	Servicemember
To Whom it may concern, This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. We're pleased to provide the additional information your office requested please view attached documents. XXXX XXXX XXXX sent documents XXXX requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
10/04/2022	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	SC 29579	Web
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	GA 310XX	Web
On XXXX, it says that my debt was deleted by PDQ services in XXXX georgia on XX/XX/2020. I called PDQ services on XX/XX/2020 to receive a letter stating that the information was deleted but PDQ Services claim they have no information of me in their system. I recently applied to an apartment complex and the complex denied me stating that there is a collections on my report called PDQ services. I called PDQ again on XX/XX/2020 and I was still informed that there is no record of me in the system.
09/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 302XX	Web
On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.
02/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30252	Web	Servicemember
The account is not mine and it keeps getting put on my credit report. The account is in the name XXXX XXXX and my name is XXXX XXXX XXXX, I called the Debt collector and they told me the name the account was in, the company that had original account was XXXX XXXX. However, the the debt collector PDQ Services keep putting this account on my credit report after I have disputed it many times. XXXX XXXX is my Mother, who is now deceased and when passed in 2014 and was in her late XXXX 's.
08/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30188	Web
I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. I have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. I was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date.
04/29/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 301XX	Web
PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.
09/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30350	Web
PDQ Services Inc is an account that I do not recognize on my credit report. I discovered this account XX/XX/2021. This account does not belong to me. I attempted to had this remove with all 3 credit reporting agencies and XXXX and XXXX has complied. XXXX has not removed this account after I disputed this account 4 times. I have a FTC report with the report number being XXXX. They still have not removed this account.
02/13/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30274	Web
The date for one of the charges will be XX/XX/2017 the company name is PDQ. The amount is XXXX dollars. I wasnt aware that I owed for an apartment that the management time had the keys to and I no longer was in possession of this property never had a physical lease with this rental lady either, but she was able to still place this on my credit. To top that off she leased another apartment to me in the same complex.
07/03/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30281	Web
I paid off a debt with PDQ. I disputed it with the bureaus. PDQ responded to the dispute and left it on the file. This is an attempt to continue to collect a debt that I DO NOT OWE. The Fair Credit Reporting Act provides that the creditor has the same requirements to process a dispute in 30 days as the credit bureaus do. I disputed this directly with PDQ. They did not correct the balance in the 30 day window.
01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30106	Web
PDQ Services is reporting a debt on my credit file that I do not owe. This debt is extremely old. I have checked with my Attorney General and found out that this debt is actually past the statue of limitation in Georgia. Not only that, this account is also past the credit reporting limit. This account was never verified to me, and I do not owe this! It needs to be removed off my credit report immediately.
03/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30094	Web
I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of.
11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75240	Web
I have filed multiple complaints regarding ID theft I owe this company nothing nor do I owe any of its affiliates. I have never paid this company or any of its affiliates. I am aware that there is someone is using my information but this company doesn't seem to care. I would like any documentation with my signature including an application with my name on it to include with my 4th official police report
11/20/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 310XX	Web
PDQ Service Inc. has requested an amount I dont owe. I have provided documentation from XXXX XXXX. Courthouse showing the debt owed and refused by XXXX XXXX. PDQ Service Inc. still demands and reports the incorrect amount. Considering that this is an landlord debt, this is hindering me from moving. I have trying to resolve this for the duration of the last few years it has shown up on my credit report.
10/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30082	Web
The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer
02/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30741	Web
XXXX XXXX XXXX XXXX ( XXXX, GA ) has been reporting an invalid debt on my credit reports for several years. They did not respond to my initial debt validation letter and have never responded to any of my information requests. There is no evidence from PDQ Services or the original creditor, XXXX XXXX XXXX ( XXXX, GA ), that the monies claimed to be owed are accurate. This debt is not valid.
03/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98003	Web
On XX/XX/2013 a collection agency called PDQ SERVICES Inc made an attempt to collect XXXX dollars from which i do not owe so now they have put it on 2 of my credit agency reports which is damaging my credit ( XXXX & XXXX.The original creditor XXXX XXXX XXXX XXXX. Also this makes it hard to get into an apartment or home rental. PDQ SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on PDQ SERVICES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/13/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31021	Web
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
01/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30316	Web
On or about XX/XX/2019 PDQ Services INC located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX Placed a debt on my credit report that does not belong to me, I was never contacted by this company or received any correspondences from PDQ SERVICES INC I have never heard of them this negative account that was placed on my report does not belong to me.
12/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30062	Web
PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. They are reporting incorrectly on all three reports.
12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30062	Web
PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. They are reporting incorrectly on all three reports.
01/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
I sent a certified dispute letter to XXXX XXXX on XXXX XXXX. In it I also requested proof of damages. XXXX XXXX has been unable to verify the debt and has reported this alleged debt to the credit bureaus. I believe it is unfair to me to have fraudulent charges to be as a negative item against my credit report. Please help me.
01/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web
I sent a debt validation letter to PDQ Services INC on XX/XX/2021 asking to validate the {$1500.00} owed. The company vailed to validate the debt, instead the sent a list of my medical records which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 302XX	Web
- [ ] in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
06/19/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30274	Web
Original creators are XXXX XXXX was in XXXX. This just appeared on my credit out the blue. It was resolved years ago. This hasn't been on my credit report since XXXX it just appeared.. Documentation is attached. Please remove from my credit file. It's been 7 years from the original debit.
09/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web
PDQ has put a bill on my credit for {$410.00} dollars for an unpaid medical bill in my name. I have no idea what this bill is and when I called them they have no record of my name DOB, social security, number or address in their database yet they are reporting that I owe them.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 146XX	Web
I recently checked my credit report and have found that PDQ Services Inc is reporting a collection on it. PDQ Services Inc is not a licensed Debt Collection Agency which is a requirement in the State of New York. Please remove the account for this illegal collection activity.
02/06/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30087	Web
My medical insurance handled there portion and left my account with a XXXX balance ... .my insurance was changed and then this collection company appeared on some charges I was never made aware of after the insurance took care of there responsibility.
06/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30114	Web	Servicemember
PDQ SERVICES Contact info for debt collector- XXXX XXXX CT XXXX GA Phone Number ( XXXX ) XXXX Attempting to collect debt for XXXX XXXX XXXX XXXX Where i lived for 3 years and never late also left on good terms. Used unethical tactics
04/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30228	Web
This account was added to my credit bureau on XXXX XXXX XXXX after being notified this was included in chapter XXXX bankruptcy XXXX XX/XX/2013. I 've had a representative call me after the fact.
12/06/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 94303	Web
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.
07/07/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30312	Web
I have a debt that does not belong to me. I have applied nor utilized services with this account. The information appears to be inaccurate and I wish to address this matter immediately.
05/03/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web
This debt pooped up on my credit report I have no knowledge of this debt. I need this removed from my credit report because it is affecting my ability to purchase a home for my family.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.
05/14/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30021	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX Company Sold Open account XX/XX/XXXX XXXX XXXX {$240.00} XXXX XXXX, XXXX {$240.00}
04/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30213	Web
The collection agency continues to report false information on a debt I do not owe.
12/23/2019	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	GA 30310	Web
Its was removed now its back on my credit
12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web
I have no knowledge of said debt.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30214	Web
I am a victim of identity thef
01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14615	Web

01/18/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63119	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web

12/06/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30082	Web

12/04/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	PA 17101	Web

07/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30813	Web

07/14/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30519	Web

06/22/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30328	Phone

05/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30813	Web

05/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30024	Web

05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web

04/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30126	Web

01/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30153	Web

01/13/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30326	Web

08/20/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web

08/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30265	Web

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 31063	Web

07/15/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30680	Web

05/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77380	Web

05/02/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30016	Web

05/02/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30291	Web

05/02/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web

04/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30153	Web

04/05/2022	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30034	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30067	Web

02/22/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

01/17/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web

01/16/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web

01/04/2022	No	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 30354	Web

11/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31313	Web

11/25/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web

11/24/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

11/22/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30039	Web

11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30238	Web

10/21/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

08/24/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Phone	Older American

08/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30273	Web

08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30274	Web

07/15/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web

06/07/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11225	Web

05/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

04/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19121	Web

03/20/2021	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	GA 30236	Web

02/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32901	Web

02/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30087	Web

02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30040	Web

02/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30281	Web

01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30114	Web

12/20/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73083	Web

11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30188	Web

09/23/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 71129	Web

08/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30315	Web

06/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30236	Fax

06/19/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30114	Web

04/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31088	Web

12/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31548	Web

12/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web	Servicemember

10/27/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30082	Web

09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web

05/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29456	Web

04/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60621	Web

03/21/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web

01/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10166	Fax

10/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30241	Web

06/20/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30233	Referral

04/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33177	Web

03/12/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30318	Referral

02/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30012	Web

01/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

12/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30058	Web

12/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30034	Web

09/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30305	Web

08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web

07/26/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28210	Web

06/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30076	Web

03/08/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33626	Web

02/17/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33626	Web

01/04/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30041	Web

12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30060	Web

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

11/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30039	Referral

11/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30328	Web

11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

11/03/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30152	Web

10/03/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30281	Web

10/03/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30013	Web

09/16/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30152	Web

09/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30122	Web

08/17/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30080	Web

07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30083	Referral

06/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30062	Web

06/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30062	Web

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TN 38128	Referral

03/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 31326	Web	Servicemember

11/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30046	Web

09/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30044	Web

05/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	DC 20005	Web

05/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30291	Phone

04/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33172	Web

04/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30358	Web

03/16/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30250	Web

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 30319	Web

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30294	Web

09/16/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30144	Fax	Older American