Penn Credit Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web
XXXX XXXX did not send me a letter to ask for validation or verification of the debt that is on my credit report. I request validation and verification of this amount to its entirety. as written to them on XXXX and received no response Re : Accts # { XXXX and XXXX } To Whom It May Concern : Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a XXXX party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit repor ts. Heres the law in case you never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any info rmation for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, specifically naming, XXXX XXXX XXXX , as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract fr om the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Better Business Bureau 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. 6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. IN ADDIT ION - Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX , XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist WHICH MEANS THAT REPORTING IT TO THE CREDIT BUREAUS ALONG WITH VERIFYING IT WITH THE CREDIT BUREAUS IS STILL COLLECTION ACTIVITY. I KNOW THE LAW AND MY RIGHTS. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. PLEASE KEEP IN MIND THAT I NEED THAT PROOF ON CONTRACT INFORMATION WITHIN 15 DAYS. YOU HAVE AN ADDITIONAL 15 DAYS TO SEND ME THE REMAINDER OF INFORMATION REQUIRED BY LAW. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
01/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web
XXXX : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1.Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. PENN CREDIT CORPORAT bal. {$3600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : TU- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. PENN CREDIT CORPORAT bal. {$200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau P.O BOX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. PENN CREDIT CORPORATIO bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
05/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30306	Web
In XX/XX/XXXX I r eceived a bill from The XXXX XXXX XXXX of New York ( XXXX XXXX ) -- after I closed my account with them due to having moved -- for {$1500.00} citing that DESPITE HAVING PAID each and every bill on time, that I somehow owed them more money for a billing period spanning XX/XX/XXXX - XX/XX/XXXX . In essence what happened it this : -- Beginning with the XX/XX/XXXX [ monthly ] billing cycle until the closing of my account in XX/XX/XXXX XXXX XXXX failed to do their job and read the meter for my electricity. Note* it was not my obligation or responsibility to do their job for them and read the meter as it was underneath my building and I did n't have access to it -- If I received a paycheck from XXXX XXXX I would happily have read the meter for myself and even the whole building ( please excuse the sarcasm ). XXXX XXXX managed to fail to read the meter for 26 c onsecutive months and then upon moving out miraculously deduced that I used 3-4x the a mount of electricity than billed for and somehow owe on average {$70.00} more per month ( already billed and paid ). By comparison to the folks I know in the same neighborhood -- in which XXXX XXXX has a monopoly -- my " estimated '' bills were already 2-3x higher than theirs and the extent of my electricity usage was a re frigerator, window AC Unit ( sporadically, 3-4 months a year ), energy efficient light bulbs, and a television. What they are implying I used is enough to provide service to a XXXX foot home when I only lived in a small apartment. Upon moving out I received a final bill for {$1500.00} with a 2 month notification for {$130.00 } ( XX/XX/XXXX - XX/XX/XXXX ) . I paid the {$130.00} and they promptly cashed the check . A week or so later I received a new bill for {$1600.00}, and after that a bill for {$1700.00} ( which includes an audacious { $25.00} late fee ). -- When I contacted XXXX XXXX to ask where they are getting their information about the meter and their exorbitant bills they disclosed to me that NONE OF THEIR employees in fact read the meter. I did not read the meter. The landlord did not read the meter. The new tenant did not read the meter. So, this apparent meter reading came from thin air. Additionally, being as they admittedly have n't so much has seen the meter, there is no telling if it is working properly. With their admitted negligence there is no way to know if the meter was ever working properly or if some other nefarious tactic were being employed where my electricity were being siphoned OR even if the correct meter had been read for correlating apartment. -- Each month a bill was sent and I paid the bill in full and on time. This situation reeks of a racket that begs investigation for a probably class action suit. From a consumer 's perspective you ca n't go to a restaurant and order a hamburger, eat it, receive & pay a bill, and then have the restaurant manager chase you down in the parking lot to attempt to renegotiate the price of the burger in order to correct a mistake the staff made. No where in the agreements with XXXX XXXX is anything of the sort mentioned. At best, on their website, it does mention that failure to see the meter read will result in " over estimations ''. Based on all the mathematics I have done, I was actually expecting a check from XXXX XXXX to around the tune they are trying to bill me for! -- Upon receipt of this inane bill, I immediately contacted XXXX XXXX and they, for lack of a better term, gave me the runaround. -- They routinely responded with incomplete " mis '' information, they would bounce me from " customer service '' representative to representative and offer me the same stock answers to my concerns over and over again. I was in contact in a repetitive and revolving manner with XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX and the attempts to resolve this went absolutely no where -- in essence they were just messengers 'doing their job '. Somehow, someway all XXXX of them managed to fail to inform me of the Final Bills Department which I learned of on my own by calling some numbers and poking around. Eventually I reached XXXX XXXX in XXXX XXXX XXXX Final Bills Department ; I needed to speak with someone for fear this outfit would try to damage my credit. XXXX XXXX , much like the rest of the people provided misinformation. He informed me that XXXX XXXX had an internal Collections Department and that if I were to write to him directly that we could attempt to solve this problem. On XX/XX/XXXX I m ailed a letter of dispute directly to the address he provided and never received a response. Not much later I was contacted by the XXXX XXXX XXXX -- an external collections agency -- as they were attempting to claim this fraudulent debt. The XXXX XXXX XXXX received a letter of dispute from me with all of the juicy details by Certified Mail ( XX/XX/XXXX ). Of course, they failed to return the Certified Ma il Receipt Request - - and one could assume they found validity in my dispute being as they were unable to succeed in claiming the money from me that XXXX XXXX is not entitled to. Recently, however, XXXX XXXX has tried again, this time with a new lackey, the Penn Credit Corporation, and I have sent along all the same correspondence on XX/XX/XXXX ... they did at least return the Certified Mail Receipt Request. The letters of dispute, which I can share with you, HIGHLIGHT my claims, proof of my paying bills on time ( as XXXX XXXX has records, too ) / my having satisfied my obligations to XXXX XXXX via XXXX and Satisfaction, not to mention XXXX XXXX XXXX repeated violation of XXXX XXXX . With the letters to XXXX XXXX I also used language much like the collection agencies attempt to use with me in that failure to respond to me as admittance that all ( so-called ) debts are absolved. Penn Credit Corporation has an underhanded tactic of dating their letters of attempt on a given day, and ensuring you receive it aroun d 7-10 days later, in which your response in writing is due within 30 days of the original date on their letter. Their aim is to create quagmires. Also, they use language much like I initiated with XXXX XXXX at the onset with the Final Bills D epartment as I just highlighted. XXXX XXXX XXXX ignorant and lazy tactics are bordering on being harassment. My credit is in danger due to their inability to work with me and resolve the issue & accept the fact that they sent me bills and I paid them. I satisfied my end of the bargain during our entire provider-consumer relationship -- they did not.
05/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 085XX	Web
Hello, On XX/XX/XXXX I checked my credit report to see that I had an account in collections. I was extremely confused, as I have never had a late payment for anything in my life, and still don't. The name of the company on the report was Penn Credit Corporation and the amount was for {$350.00}. I was never contacted by Penn Credit Corporation in any medium, via phone, mail, or email. I had called Penn Credit that day inquiring about the collection. Over the phone, I was told by a representative that they purchased the debt from XXXX XXXX XXXX. I immedialy called XXXX XXXX XXXX to discuss the situation. I was told that the debt was for an unsettled bill. I explained to XXXX XXXX XXXX that I had discontinued my service on XX/XX/XXXX, and I have an email from XXXX XXXX XXXX confirming my stoppage of service on XX/XX/XXXX. On XX/XX/XXXX I received a bill from XXXX XXXX XXXX for {$420.00} due on XX/XX/XXXX. On XX/XX/XXXX, I have a payment confirmation from XXXX XXXX XXXX regarding my account. I have zero other correspondence from XXXX XXXX XXXX via phone, mail, or email. I was told by the representative at XXXX XXXX XXXX that the debt was sold to Penn Credit Corporation, and that any records they had of the debt would be passed to them. I called back XXXX XXXX asking for more information from the debt, I was told that I owed XXXX XXXX XXXX {$350.00} for an unpaid electric bill. I spoke to them informing them that I had payment confirmation. They did not acknowledge this statement, and when I asked how this would get removed from my credit reports I was told that I would need to pay the debt. I continued to ask further questions multiple times. At the time, I was unaware that I could dispute this further once it was on my credit report, I was never told that a dispute was an option, and I was never notified in writing or email exactly what I was paying for. I asked the representative from Penn Credit multiple times over the course of the phone call if paying it would get it removed, and I specifically used the word removed, from my report and she responded multiple times that once payment was made it the debt would be removed from my account. My credit score went from a XXXX to a XXXX overnight, and I was beginning to apply for car loans so I opted to just pay the debt rather than deal with the hassle of ruining my credit when I desperately needed it. I waited a few months until XX/XX/XXXX and I checked my credit report again. This time, it has said paid, but still showed up on all three reports. I called Penn credit and this time I was greeted with the upmost disrespect from the get-go. I had called in good faith inquiring about a previous phone call, and I was cut off within the first XXXX words I spoke and I was told Penn Credit does not delete disputes. I was stunned. I was deceived into believing that this would be deleted when payed. I informed the representative that I had two previous phone calls back in XX/XX/XXXX where one of the representatives had assured me that paying this would get it removed. The representative simply stated that they did not remove debts and transferred me to her supervisor. I politely, and calmly, asked the supervisor about my phone call from the previous year in which I was coerced into what I thought was a pay-to-delete debt. The supervisor, XXXX XXXX XXXX acknowledged that I had spoken with two people back in XXXX but refused to comment on the content of that phone call. I was told that she could download the phone calls and listen to them. I asked her to do that and if she would get back to me she told me that she would review them and make decisions but would not get back to me. I was then virtually intimidated and verbally abused by XXXX XXXX when I inquired about the original debt. During the phone call, she had made a comment about how XXXX XXXX XXXX was the owner of the debt. I had asked why it was reflecting as Penn Credit on the reports and she had said that we were working with them. When I spoke to XXXX XXXX XXXX they confirmed that they sold the debt, so I informed this to XXXX XXXX who insisted that they did not own the debt. When I asked then, who owned the debt she said XXXX XXXX XXXX again. As I tried to confirm with her that XXXX XXXX XXXX said that they do not own the debt she confirmed this with me. I repeated back to her that she just contradicted her previous statement and I wanted to confirm for a final time that the debt is theirs and not XXXX XXXX XXXX, she again contradicted herself and went back to the previous statement, which according to XXXX XXXX XXXX is not correct. She then rushed me off the phone quite rudely. At this point. I have no idea who the debt was owed to, and my questions of where {$350.00} exact was owed in the first place. I have never met someone who's electric bill was an exact number let alone an increment of {$50.00} so it was surprising to me. I am still trying to figure out exactly how I was late for a payment on an account that didn't have service for a month prior, and how I owed on an account I have a payment confirmation for. The company PENN CREDIT has been nothing but a nightmare filled with shady business tactics that they employ to coerce money out of their clients filled with false promises and contradictions. XXXX XXXX XXXX has been unhelpful in resolving this and also contradicts what is being told by Penn Credit. I have gone to enormous lengths to have a random unpaid bill that I still am unsure if I even owed removed from my record, to no avail. I feel like these two companies have gone above and beyond to deceive me and refuse to acknowledge any of my concerns. I hope that the CFPB can assist me in this matter. Thank you.
12/17/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 330XX	Web	Servicemember
XX/XX/XXXX and XX/XX/XXXX of XXXX I had issues surrounding a dispute through XXXX credit bureau. First, it was a website error and then as I followed up on the phone on the XXXX I was able to receive the results of the dispute too quickly and they were not as they should have been. the debt collection companies that have been reporting me to the collection bureau namely Penn credit corporation have been giving false credit information about me to credit reporting companies including XXXX, XXXX, XXXX, they have been violating the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. When the disputes are processed under my specific disputes I depicted they should have been deleted under federal law, but the credit bureau came back on both days and stated that the debt collector or company that has been reporting the inaccurate information was able to validate the debt. but I have never had a contract with Penn credit, I have never spoken with Penn credit & they bought A debt from XXXX XXXX XXXX. they have also been reporting the same information under double recovery From what I can see, they are posting a debt and then posting the same debt again with only a difference of 100 or so dollars less than the first time they posted it, which is drastically affecting my score and my ability to have successful credit as they seem to do this every few months or so. Penn credit corporation is posting debt that I'm not contractually obligated to pay to Penn credit as I have NEVER had an account with Penn credit. I also reported that Penn credit 's reports are not validated because of the fact that a debt was never had with that company, and I reported a dispute as to that none of the accounts are mine because of this and that many of those reported accounts many are also time-barred, Duplicate accounts, Data management errors, being posted under double recovery methods which are illegal, and if in fact, they were able to " validate '' any condemning information from a hospital on anyone 's behalf that would be A DIRECT VIOLATION OF MINE AND ANY OTHER PERSONS HIPAA RIGHTS. BUT FOR SOME REASON XXXX CAME BACK AND STATED THAT THEY WERE ALL VALID. NO, THEY AREN'T! XXXX is helping Penn credit to abuse the system and use unfair debt collection practices. which under 1002.16 Enforcement, penalties, and liabilities. ( b ) Penalties and liabilities. ( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the Act provide that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditor 's net worth in class actions. Section 706 ( c ) provides for equitable and declaratory relief and section 706 ( d ) authorizes the awarding of costs and reasonable attorney 's fees to an aggrieved applicant in a successful action. Currently, XXXX is in violation of these laws and practices as is Penn credit corporation. UNDER SECTION 609 OF THE FCRA I DID REQUEST THE CREDIT TO THOROUGHLY INVESTIGATE A DISPUTE INTO THE INACCURATE AND UNETHICAL INFORMATION AND PRACTICES OF PENN CREDIT CORPORATION AND AFTER XXXX STATED OVER THE PHONE THAT THEY VALIDATED THE DEBT I REQUESTED A COPY OF THE VALIDATED INFORMATION I SPOKE WITH XXXX ON XX/XX/XXXX AT XXXX PM SHE DENIED THAT THEY WERE ABLE, HAD TO, OR WOULD PROVIDE SUCH INFORMATION TO ME. FURTHER ALLOWING PENN CREDIT CORPORATION TO UTILIZE UNETHICAL AND UNFAIR PRACTICES. ps : a pdf version of THIS LETTER has been sent to your agency as an email as well as THE STATE ATTORNEY OFFICE AND I HAVE THE DOJ Principal Deputy Director from the Consumer Protection Branch attached to this email as well as CPSC, CFPB, FTC. PSS : I HAVE BEEN MARRIED FOR 15 years, 8 months, 2 days WHY IS THIS REPORT COMING IN UNDER XXXX IF IN-FACT, IT IS FACTUAL, LEGITIMATE, INFALLIBLE, AND EMPIRICALLY IRREFUTABLE??? XX/XX/XXXX AND THEN ANOTHER ONE STATES 2 DAYS LATER ON THE XXXX. I WOULD NEVER GO TO A HOSPITAL TWO DAYS LATER. AND NOW THAT I LOOK AT IT LAW OFFICES XXXX Account number XXXX Date opened XX/XX/XXXX FOR XXXX XXXX XXXX WHICH IS IN XXXX XXXX FL SEEMS TO BE POSTED AROUND THE SAME TIME AS PENN CREDIT CORPORATIO Account number XXXX Date opened XX/XX/XXXX FOR XXXX XXXX XXXX BUT AS YOU CAN SEE FROM MY LEASE AGREEMENT THAT COULDN'T VERY WELL BE COULD IT? PENN CREDIT CORPORATIO Account number XXXX Date opened XX/XX/XXXX FOR XXXX XXXX XXXX THAT'S TWO VISITS THEY ARE SAYING HAPPENED IN THE MONTH OF XXXX .... NO ONE IN MY BUDGET OR MONEY BRACKET IN THEIR RIGHT MIND GOES TO THE HOSPITAL THAT MANY TIMES. IM NOT ON DIALYSIS PENN CREDIT CORPORATIO Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX ARE WE NOT SEEING AN METHODICAL PATTERN HERE YET? EVERY FEW MONTHS? I DON'T GO TO THE DOCTORS THAT OFTEN, THEY ARE MAKING UP THESE DATES AND XXXX IS HELPING PENN CREDIT CORP TO CONTINUE TO PRACTICE FRAUDULENT BUSINESS PRACTICES.
06/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52240	Web
I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against PENN CREDIT CORPORATION DEBT # XXXX. I REJECTED AND I STILL REJECT your offer to contract. I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( PENN CREDIT CORPORATION ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT and the FEDERAL TRADE COMMISION THE ( FTC ) CONSIDERS MY NON PUBLIC PERSONAL INFORMATION VERY IMPORTANT TO PROTECT. I never gave my permission TO ( PENN CREDIT CORPORATION ) USE OF ANY of my NON PUBLIC PERSONAL INFORMATION to commit fraud by putting this FALSE, ALLEDGED, AND VERY DAMAGING TRADELINE on my consumer report. I WAS DENIED A HOME LOAN RECENTLY DUE TO THIS TRADELINE ON MY CONSUMER REPORT. 1.This is THIS IS YOUR NOTICE TO DELETE THE COLLECTION FROM MY CONSUMER REPORT 2. THEN A NOTICE to CEASE AND DESIST ALL illegal activity and ALL communications with me and the furnishing of this false credit information ON MY consumer report which IS considered communications and ILLEGAL activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By CONTINUING reporting this on my consumer report this alleged debt SOLD BY ( XXXX XXXX XXXX ) OF MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( PENN CREDIT CORPORATION ACCT # XXXX ). I now have reason to believe that YOU BOTH ARE conspiring against me trying to EXTORT ME on a EXTENSION OF CREDIT through unlawful EXTORTIONATE MEANS. 18 USC 894 STATES a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. There is NO TRILATERAL CONTRACT BETWEEN US ( PENN CREDIT CORPORATION ACCT # XXXX ) CASE LAW SPEARS V BRENNAN Court of Appeals of Indiana ESTABLISHES MY STANCE, THERE IS NO OFFICIAL AFFIDAVIT OF DEBT, BILL OF SALE, ALL ACCOUNTING RECORDS COMPLETE DETAILS WITH EVERY TRANSACTION SO THERE IS NO LEGAL LAWFUL OBLIGATION FOR ME TO HAVE TO PAY ( PENN CREDIT CORPORATION ACCT # XXXX ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN US. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGE TO THE CONSUMER LIKE YOU DID ME. YOU ARE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. BY PENN CREDIT CORPORATION REPORTING THIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT I WAS DENIED PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " PENN CREDIT COLLECTION '' ON MY CONSUMER REPORT. NOW DUE TO THIS FALSE CLAIM PENN CREDIT CORPORATION YOU ARE RESPONSIBLE AND YOU HAVE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT ESTABLISHED BY US CONGRESS. AND YOU ARE NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED,, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) is a violation under the FDCPA allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY PENN CREDIT CORPORATION " FURNISHING THIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE DAMAGING MY CONSUMER REPUTATION. I WAS DENIED A HOME LOAN. AGAIN WE HAVE NO CONTRACT. I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH PENN CREDIT CORPORATION NOR DO I DESIRE TO. IMMEDIATELY DELETE THE FALSE ALLEDGED DEBT FROM MY CONSUMER REPORT. AND BE ADVISED UNDER 15 USC 1692K I AM TO BE AWARDED CIVIL DAMAGES AND {$1000.00} PER VIOLATION FINDINGS. AND I AM NOW POINTING OUT I FOUND FDCPA VIOLATIONS. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} DAMAGES FOR VIOLATIONS OF THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX, IA XXXX. THEN DELETE THIS ALLEDGED COLLECTION FROM OFF ALL MY CONSUMER REPORTS IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, AND ESPECIALLY CFPB. FEDERAL LAW HAS GUIDELINES THAT ALL THIRD PARTY DEBT COLLECTORS ( PENN CREDIT CORPORATION ) MUST FOLLOW. DELETE THIS COLLECTION NOW. AND MAIL ME MY CIVIL DAMAGES IN A CERTIFIED CHECK WHICH I AM DUE IMMEDIATELY UNDER THE FDCPA FOR PENN CREDIT CORPORATIONS FDCPA VIOLATIONS.
04/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10012	Web
I am seeking assistance regarding an unfair debt collection process where I believe the collector, Penn Credit Corporation, is upon information and belief not abiding by the rules of the FDCPA. I was initially contacted by mail by Penn Credit Corporation about an alleged debt on XX/XX/2023. When I reviewed the letter, I was confused about various facets about the alleged debt, mainly the amount of the debt being alleged and whether or not it is actually a valid debt, and if owed specifically by me. Therefore, upon receipt of their letter, I at my earliest convenience sent the attached letter ( attachment entitled " PCC Response 1 '' ) requesting additional information using guidance as provided by the CFPB and concurrently asking them to treat the debt as under dispute while further information is being provided. This response letter was sent by me via certified mail on XX/XX/2023. Penn Credit Corporation responded over a full month later by sending me two pieces of mail, received by me on XX/XX/2023. One letter was accusing me of not responding of attempting to evade a what they called a " just debt '' without further explanation, and the other actually acknowledged that Penn Credit Corporation had in fact received the response letter I sent on XX/XX/2023, and that they had completed verification of the alleged debt but declined to elaborate further nor answer any questions that I had sent to understand the nature, amount, relevant dates, and other fundamental information about the debt they are seeking to collect from me. Importantly, the first of these two letters, which also includes a Request for Payment, flagrantly and unfairly misrepresents that I did not attempt to contact Penn Credit Corporation ( I in fact did, by certified mail, and this outreach is attached ). These two response letters from Penn Credit Corporation ( separate pieces of mail ) were received by me on XX/XX/2023. Copies of these two separate letters are attached as the files titled " From PCC 2 '' and " From PCC 3 ''. For the avoidance of doubt, no further correspondence or information has been sent to me by Penn Credit Corporation despite my good faith requests for further information sent over a month ago. This brings us to today and the reason why I am seeking assistance and clarification from the CFPB. In response to these two simultaneous and seemingly contradictory letters from Penn Credit Corporation, I sent a follow-up letter again ( today, XX/XX/2023 ) asking for information and re-enclosing those same questions as seen in the original attachment " PCC Response 1 ''. However, in under a day from my receipt of these last unhelpful letters from Penn Credit Corporation, I was notified by a credit monitoring service I use, XXXX XXXX, that Penn Credit Corporation had unilaterally filed a collection account against me through XXXX. This credit alert notification also was received on XX/XX/2023. I am seeking your assistance because Penn Credit Corporation has improperly inflicted irreparable damage to my credit score while ignoring my rightful requests for information ( specifically, information of the type that the CFPB 's website recommends one should seek when contacted by debt collectors ). I am also seeking the CFPB 's assistance in also reversing/removing the collection account black mark placed on my personal credit report by Penn Credit Corporation . Lastly, I would also like to offer to put forward whatever info is needed to have Penn Credit Corporation 's debt collection licenses revoked/marked ( should they exist in the first place as Penn Credit Corporation did not respond to my requests that they verify the relevant license info, as clearly requested in the attached letter I sent on XX/XX/2023 ) -- to prevent similar irresponsible behavior from also impacting other American consumers in the future. And if you can assist and help clarify for me, I would also like to understand from the CFPB whether or not it is normal course or at all permissible for ( purportedly ) licensed debt collectors to unilaterally place collections accounts on an individual 's credit report while the debt is under dispute, as Penn Credit Corporation has done in the past few days in my case. For the avoidance of doubt again, I did notify Penn Credit Corporation that the alleged debt should be treated as under dispute, and I still consider it to be under dispute at this time. Thank you sincerely for your help.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 120XX	Web
For exactly a year now I've had this Company knowingly & WILLINGLY lie, steal, refuse to report accurately too the extent that I've been systematically made homeless and I have spent everyday week afterweek etc etc calling them emailing them XXXX providing bank statements and pics from there own website via my pymnts portal yet they've Refused too tell the truth! I've lost my chance now for the year of XXXX ' to get off SSI SUPPLEMENTAL PYMNTS AND GET A START UP BUSINESS LOAN! AND NO ONE WILL RENT TO ME WITH MY CREDIT PYMNT HISTORY STATING I CANT / DON'T PAY MY BILLS SO IVE BEEN FORCED TOO SLEEP IN MY CAR AND BE PUBLICLY HUMILIATED ALL WHILE ALMOST FREEZING TOO DEATH IN UPSTATE NEW YORK! IVE SUFFERED XXXX XXXX XXXX AND XXXX XXXX AND PRESENTLY IM SO COLD THAT I CANT FEEL MY LIMBS! IM A XXXX AMERICAN WHOSE SUFFERED ONE OF THE WORST CASES OF THEFT BY CREDITOR I KNOW OF AS THEY ARE FULLY AWARE OF MY CIRCUMSTANCES BUT JUST DONT CARE AND LAUGH AT ME OR HANG UP AFTER REPEATEDLY SWITCHING ME FROM ONE MANGER TOO ANOTHER FOR OVER 3-7 HRS A DAY VIA PHONE CALL. IVE FILED DISPUTES WITH THE CREDIT BUREAUS AND THEN THEY MIRACULOUSLY FIND THE PAYMENTS HOWEVER THEY'RE NEVER PAYING ME BACK AS IM FORCED TO REPAY IN AN ATTEMPT TO SAVE WHATS LEFT OF MY CREDIT REPORT RATING & SCORE. THE PICTURES YOURE ABOUT TOO SEE OR HAVE ALREADY ARE FROM THERE OWN WEBSITE YET IM REPEATEDLY TOLD THEY CANT SEE WHAT IM SEEING? YET THEYRE A NATIONAL CREDITOR WITH MILLIONS OF CLIENTS AND AT NO TIME DO I NOR SHOULD ANYONE BELIEVE SUCH LUDICROUS NONSENSE OF COURSE THEY SEE WHAT IM SEEING ITS THERE WEBSITE AND THEY THEMSELVES CONTROL IT ... THEYVE REFUSED TO NOT ONLY PAY ME BACK BUT IRONICALLY THEY WANT THE SAME EXACT AMOUNT THEY WANTED A YEAR AGO XXXX YET I DONT THROW OUT THE PAPER BILLS MAILED TOO ME, CLEARLY BY THERE OWN BILLS IN XXXX OF XXXX ' I HAD NOT ONLY PAID THEM IN FULL BUT ONCE AGAIN OVERPAID THEM AND THEN DURING THE DISPUTE PAID YET AGAIN, AT ONE POINT THEY TURNED A PYMNT OF {$160.00} / ( 1 ) {$100.00} PYMNT ( 1 ) {$60.00} PYMNT INTO A CHARGE ON TOP OF THE BILL?! AND FORCED ME TO REPAY AGAIN! DUE TO THE SEVERITY OF WHAT THEYRE DOING TOO ME IM NOT SURE IF ILL BE ALIVE MUCH LONGER.. I CANT MENTALLY EMOTIONALLY OR PHYSICALLY DESL WIRH THIS ANYMORE! I HAD JUST STARTED MY BUSINESS ON PAPER AND HAD SAVED UP FOR MY XXXX AND WAS SO EXCITED FOR XXXX ( 2021 ) AND HAVING MY COMPANY GOING SO I COULD FINALLY STOP GETTING XXXX CHECKS AND FINALLY LEAVE MY DAUGHTERS & GRANDCHILDREN SOMETHING BEHIND ... THEYVE TAKEN EVERYTHING THEY COULD FROM ME.. EVERYTHING!!! I SEE THE WAY PPL LOOK AT ME GETTING OUT OF MY CAR DISHEVELED AND A MESS I DID NOTHING TOO ANYONE IN MY ENTIRE LIFE TOO DESERVE THIS, NOTHING!!! AND THE TRUTH, FACTS ARE? NOT ONLY DID I PAY MY STATEMENT BALANCES IN FULL BUT THEN ON LESS THAN {$800.00} @ MONTH I REPAID THEM I THINK THEYRE SO USED TOO GETTING MONEY FROM ME THAT NOW THEYRE XXXX OFF IM FIGHTING BACK! XXXX IS WORSE AS THEYRE COMPLICITY IN THIS AND ALL THE DISPUTES I FILED NEVER WERE DISPUTES! A GENTLEMAN FROM XXXX LOOKED IT UP AS XXXX HAS BLOCKED ME FROM LOGGING INTO MY APP FOR OVER 5 MONTHS AS I FILED DISPUTE AGAINST THEM FOR NOT DOING ANYTHING AFTER I SENT THEM THE PROOF WEEK AFTER WEEK AFTER WEEK! WHICH IS WHEN XXXX XXXX XXXX AS WHAT KIND OF LIFE IS THIS IM LEFT WITH NOW? IM FREEZING STARVING CANT BATHE THIS IS MY COUNTRY! IM AN AMERICAN! I DID EVERYTHING RIGHT OR SO I THOUGHT! IVE NO CRIMINAL RECORD IVE NO PARKING TICKETS FOR CHRIST SAKE! NOTHING!!! IM AN ORDAINED MINISTER WHO TEACHES XXXX XXXX AND TRAINS NEW TEACHERS TO DO SO WHO WAS IN XXXX RIGHT BEFORE LOCKDOWN TEACHING KIDS XXXX FOR FREE THROUGH THE CHURCH AND XXXX XXXX XXXX XXXX WHICH CAN BE PROVED BECAUSE OBVIOUSLY MY PASSPORT HAS THAT INFORMATION ON IT. I LIVE IN UPSTATE NEW YORK AND WHAT SHOUKDVE BEEN THE BEST YEAR OF MY LIFE @ XXXX HAS BEEN THE NOT ONLY THE WORST BUT PROBABLY NOW MY LAST ... IM TIRED AND SO COLD... I JUST WANT TO HO HOME... PLEASE MAKE THEM STOP NOW... PLEASE... I JUST WANT TO GO HOME ....
07/02/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 23321	Web	Servicemember
On XX/XX/XXXX, I sustained injuries from a car accident. On XX/XX/XXXX, I was treated at XXXX XXXX XXXX XXXX for the injuries I sustained. At the time of service, I provided my Medicare insurance card. As my insurance information was promptly provided, I was under the impression that my insurance was billed for the medical services rendered. I now know that despite having my insurance information, XXXX XXXX XXXX XXXX refused to bill my insurance. On XX/XX/XXXX, I gave birth to my son, via XXXX XXXX, at XXXX XXXX XXXX XXXX. I stayed in the hospital for several days, after birth. At the time of admittance, and several times afterward, I provided my Medicare insurance card. As my insurance information was promptly provided, I again, was under the impression that my insurance was billed. I now know that despite having my insurance information, XXXX XXXX XXXX XXXX, again, refused to bill my insurance. On XX/XX/XXXX, my attorney XXXX XXXX, sent XXXX XXXX, agent at Penn Credit Corporation, my health insurance information, for XXXX XXXX XXXX XXXX to properly bill Medicare. XXXX XXXX XXXX XXXX failed to submit any claim to Medicare for neither the services rendered for the birth of my son or the auto accident. On XX/XX/XXXX, XXXX XXXX, sent a letter to both XXXX XXXX XXXX XXXX, and its debt collector, Penn Credit Corporation, in reference to the services rendering on XX/XX/XXXX, and corresponding account no. XXXX. The letter, which is attached, contained a copy of Virginia Code 8.01-27.5, which is entitled Duty of in-network providers to submit claims to health insurers ; liability of covered patients for unbilled health care services. The letter clearly stated, in accordance with Virginia Code 8.01-27.5, I have no obligation to pay XXXX XXXX XXXX XXXX or Penn Credit Corporation , as Medicare was not timely billed, and that XXXX XXXX XXXX XXXX and Penn Credit Corporation are prohibited from recovering payment for any of the health care services for which it was required to submit its claim. Although XXXX XXXX solely referenced the services rendered on XX/XX/XXXX, as he was solely retained to represent me in the automobile claim, the services provided in XXXX XXXX still fall under the applicable Virginia code8.01-27.5, as Medicare was not timely billed. Upon checking my credit report on XX/XX/XXXX, Penn Credit Corporation has continued its collection efforts a collection account. I never received any notice, with all provisions, from Penn Credit Corporation in accordance with 12 CFR 1006.34. The reporting of this debt, the continued collection efforts, and the failure to provide me with my right to dispute are violations of the Virginia Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My credit score dropped nearly 20 points because of Penn Credit Corporation 's erroneous, irresponsible, and illegal debt collection and reporting practices. Prior to Penn Credit Corporation erroneously reporting this collection to my credit report, I was approved for {$2000.00}, lease to own credit, at XXXX XXXX XXXX. I intended to refurnish my daughters bedroom with this provisional credit, as a graduation present. After the collection was added to my credit report, my provisional credit was revoked and I was unable to proceed with the purchase. This experience was devastating and embarrassing. As Penn Credit Corporation received communication directly from my attorney, which included Virginia Code 8.01-27.5, stating collection for services that are not timely billed with insurance are prohibited, Penn Credit Corporations violations of the Virginia Consumer Protection Act, Fair Debt Collection Practices Act and the Fair Credit Reporting Act are willful. I suffered from Penn Credit Corporations negligence, and consequently, Penn Credit Corporation should be sanctioned, monetarily, in accordance with all applicable laws.
08/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20602	Web	Servicemember
On XX/XX/2018 I settled a debt with PennCredit for a past due XXXX XXXX Bill in the amount of {$170.00} at the time that I paid the balance due I requested a letter from Penn Credit stating the account had been settled. At first the representative said he would put in a request to email the letter to me and then he stated that the letter could not be emailed and would arrive via the mail. This already seemed suspect because why would you ask me if I wanted an email knowing that your company doesn't have that capability.I waited about a week and then called Penn Credit again on XX/XX/2018 to check on the status of the letter to show that the account was closed. At that time I was told that a letter had been mailed to the address on file and I should wait a little longer for delivery. I called again on XX/XX/2018 and I was told I had to wait at least 10 days or something to that effect to request another letter, since my request had already been sent to a supervisor to draft the letter. I have received several letters from Penn Credit notifying me of the debt since the debt actually never appeared on my credit report, so I don't understand why the would have had any issues sending me the letter via mail. I did quit calling to wait for the settlement letter as Penn Credit had stated. Then on XX/XX/2018 I received a notification from XXXX and XXXX protection that I have a new collections account added to my credit report. I login into to the sites to find that Penn Credit has reported the debt that I have already settled with their company to XXXX as new debt with a balance in the amount of {$74.00}. The original amount of the debt was {$240.00} and I was allowed to settled for {$170.00} and for some reason they reported the difference to XXXX as a new debt. I logged into the Penn Credit site to confirm that I hadn't missed anything and their site clearly stated that account in question was settled in full. I called Penn Credit to get clarification and the representative that I spoke with tried to tell me that the debt was already on my credit report since XXXX and I assured her it was not and I can prove it because I have copies of my credit report from XX/XX/2018.Then she tried to tell me that the problem was XXXX XXXX because they are delayed in displaying the information they report. I explained to her that is does not make any sense for them to have the updated payment but not that it was settled if it was all done at the same time since I only made one payment. She then asked if she could email or fax me a letter showing the account was paid and closed to provide to the credit reporting agencies. I replied of course that would be great and provided my email then she stated that she could not email it. Again I would like to know why ask if it is not possible for your company to provide that service. I then asked her why her company could not report the correction to the credit agency or delete it all together since they didn't report it until after I had already paid the debt. Her response was because they had already sent the correct information on their end and that she would put in another request to have a letter mailed to me stating the account had been settled in full. I feel that everything the company has done is their intentional attempt to collect the amount that they already told me I would not be responsible for. I would have paid it if they told me I had to but I do not believe it is right for the company to tell me I don't have to pay something, report it to XXXX as a new debt and then not even have a way in which I could have paid it on their website. I have attached two copies of my credit report from XXXX that clearly shows the debt was not there and a printout of Penn Credit Payment portal that how the account in question has been settled.
11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07110	Web
I recently check my credit report due to me owning a business and looking for funding. I immediately noticed I had an account posting to my credit reports I never done any business with. I don't know where the account came from I never consent, nor agreed to pay this debt. I reached out to the company multiple time via certified mail but sadly I received no response. this account is fraudulent. 15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector15 U.S. Code 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor15 U.S. Code 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.15 U.S. Code 1692k ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
01/12/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
Subject : Request for Deletion and Validation of Account - PENN CREDIT CORPORATION Account Number XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention concerns regarding an account with PENN CREDIT CORPORATION, account number XXXX, with a reported balance of {$2700.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) regulations, I have previously requested validation of this account. However, I am writing to express my continued concerns and to request your assistance in addressing the following matters : 1006.34 Notice for Validation of Debts : This section outlines the requirement for debt collectors to provide consumers with a notice for the validation of debts. 1006.34 ( b ) ( 3 ) ( v ) : This provision specifies the information that must be included in the validation notice, ensuring transparency and clarity for consumers. 1006.34 ( c ) ( 3 ) : Addressing the disclosure requirements for debt collectors and emphasizing the need for accurate and complete information in the validation notice. 1006.38 Disputes and Requests for Original-Creditor Information : This section details the procedures for handling disputes and requests for information, including original-creditor details. 1006.38 ( d ) ( 1 ) : This provision specifies the requirements for providing the original creditor 's information upon a consumer 's request. 1006.18 False or Misleading Representations : Emphasizing the prohibition of false or misleading representations by debt collectors. ( a ) In general.A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. Additionally, I am formally requesting a copy of the Bill of Sale document pertaining to this account. Obtaining this document is crucial for ensuring the accuracy and legitimacy of the debt in question. Enclosed with this letter, you will find documentation of my previous validation request, as well as any relevant correspondence related to this account. I kindly request that you investigate these matters and facilitate the deletion of this account if validation can not be provided. I appreciate your attention to this matter and look forward to a prompt resolution. Please keep me informed of any developments in this investigation.
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85017	Web
The purpose of this letter is to explain the details about my accidental oversight on a utility bill payment that is now negatively affecting my credit history due to having been sick with XXXX. I have owned the property on XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX for over three years now. In XX/XX/2020, I decided that it was time to move from this area to raise my son in a better environment. In XX/XX/2020 I started coming down with symptoms consistent with XXXX. On XX/XX/XXXX I took a XXXX test at XXXX XXXX XXXX XXXX. My results came in on XX/XX/XXXX as being Positive for XXXX. I had previous arrangements to meet with someone to sign a lease agreement. With the proper precautions we met and executed the lease agreement on XX/XX/2020. Soon after having an executed lease agreement I called all the utility service companies ( including XXXX ) and cancelled the services because the tenants would be soliciting services under their name. I paid what I thought was all pending balances for the services up to the current date. My symptoms due to XXXX worsened by the day. I became bed ridden and not able to tend to anything besides my immediate physical needs. My head felt disconnected from my body and body hurt so much! I lay in bed for a over week, but I did pull through. Once I started feeling able, I got back to working on my plans to purchase a home in another area. When speaking to my loan officer, I was made aware that my credit score had dramatically been affected by a late payment to XXXX that had now been sent to collections. This was a big shock for me because I had no idea that I had any balance pending with them and believed I had completely paid the account in full. Had I missed a payment and not been sick with XXXX I believe I would have kept up with getting my mail from the tenants and noticed a past due bill and paid it right away. XXXX had severely inhibited my ability to think clearly and my ability to complete everyday tasks. It would have never made it to collections had I not gotten XXXX. I called XXXX and paid the outstanding bill, but the account continued to reflect in collections. I called the collections number and with my broken XXXX asked to speak to a XXXX speaking person but the person that answered said that I didnt need to speak to anyone in XXXX. As best as I could, I explained to him what happened and told him that I had proof of having been very XXXX and of the house being rented and that I had no idea there was a pending balance. I paid the balance and even paid to have this resolved by a credit repair company and after two rounds we still have not been able to get this removed. Before getting XXXX I was qualified for a Conventional loan. This was the only payment that I missed while sick with XXXX and it reduced my credit score by about 120 points!! I went from qualifying for a Conventional loan with a good interest rate, to not being able to qualify for a loan at all, not even an FHA loan. I work hard, I take my credit very serious and always pay all my bills on time. I purchased this current home with a Conventional loan because of my good credit and work history. But now because of an honest oversight while sick with XXXX, my scores have plummeted. I plead that you help me in removing this collection mark from my credit history so my credit score can be restored. This is affecting my ability to better my future and that of my young boy. Thank you in advance for taking the time to help me with this. Best regards,
08/23/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MA 017XX	Web
On XXXX XXXX I was unable to renew my license due to outstanding pay by plate debts that are in my name as well as my Mass license plate. I spoke with Pay by plate and I was told I owed an adept of {$1500.00}. And I needed to contact Penn Debt Collections which I did. On XX/XX/2023 I spoke to a creditor and she stated that I owed {$1600.00}. And I needed to pay that in full in order to be able to renew my Mass license. I verbally requested a validation letter regarding this debt. I had called Penn Collection to ask a few questions I had and I was being hung up on. I could not get anyone to answer or even someone to speak to me. This happened twice on XX/XX/2023. I needed to have a validation letter in writing. I request that when I filed a complaint with the CFPB XXXX. Also on the way I am being treated from Penn Collections on XX/XX/2023 and a debt that is not mine. I received a response from XXXX XXXX on XX/XX/2023 through CFPB complaint acknowledging the debt they are seeking and they would respond to the validation letter when the original creditors respond to them. I have been waiting months and months to get help or a response from someone from Penn Collection agency and still on XX/XX/2023 I have received nothing. On XX/XX/2023 I left a voicemail for XXXX XXXX at the ( XXXX ) XXXX taking him up on his offer to help me. I emailed him as well on XX/XX/2023, still all I am getting is SILENCE XXXX did not respond to that email. Also filed with the State Attorney General on XX/XX/2023. I also sent in the letter stating I needed to order a back license plate that was either lost or stolen. I called The Rmv and explained that I was unsure what happened to my back License plate. It was stated that they would just have a plate made for me since I still had the front plate so there was no need for me to receive new ones. I never thought that I would be dealing with anything like this. If I could go back and change that decision I would request a new plate without hesitation. I didn't realize what people are capable of. I have been working with XXXX XXXX, Legislative Aide at the State House ; he has reached out to the RMV liaison and The Rmv liaison can not help since this debt has been sent to Penn CollectionsXXXX XXXX also has been calling Penn Credit and no luck. I am looking for legal aid to file against Penn Debt Collection agency due to the violations of my Federal Fair Debt Collection Practices Act. Penn Debt Collections flat out did not act appropriate and broke laws to do so. I am relying on family and friends to help me with rides and when that doesn't happen I am incurring debt to get me to and from my doctors appointments, which I have weekly. I am a XXXX XXXX XXXX trying to live independently. I am XXXX and this has caused havoc in my life. I can't even get a money order to pay rent, pick my prescriptions up or go to a doctor 's appointment. I have groups weekly and I have not been able to follow through with having a moment 's peace. That's what I thought about the groups, MY LIFE LINE! I attended and I can no longer. My dad has XXXX XXXX XXXX and I can't even get on a plane to help him with my mother who has XXXX. I don't think that people understand what my license means to me nor do I think they care. I apologize but I thought if someone was aware of the chain reaction this has caused maybe someone will pick up a phone.Please I need help. I do not know who or where else to go for help.
06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
My name is XXXX XXXX, and on XX/XX/XXXX, at approximately XXXX XXXX, I was contacted by a XXXX XXXX from Penn Credit company at my personal cell phone number of XXXX. She asked for me by name, and I stated yes, she then asked me " for security purposes " to verify my address in " XXXXXXXX XXXX ". I asked at that point if she were from a collection agency- she responded yes.. I asked the name of the company- she responded Penn Credit- and when I asked for a good call back number, she said the one on your screen and promptly hung up. I then called back to that number and spoke to a XXXX XXXX - she properly identified herself, along with her company - and I also identified myself by name, and last 4 of SSN, she properly gave me the XXXX XXXX, and disclosed the debt was from XXXX XXXX XXXX for a total of {XXXX}. I explained to XXXX that not only was the previous representative rude and unprofessional by hanging up on me abruptly, she violated the law by providing me Personal Identifiable Information ( PII ) by providing me a portion of my address without fully identifying me. PII is defined as : information : ( i ) that directly identifies an individual ( e.g., name, address, social security number or other identifying number or code, telephone number, email address, etc. ) or ( ii ) by which an agency intends to identify specific individuals in conjunction with other data elements. Address INCLUDES my City and State. There are multiple cases in the courts at present regarding this issue and collection agencies. I explained to XXXX that this was a clear violation of my rights as a consumer. Her response was that their compliance department had cleared them to say that. My response was just because a department within the company she works for SAYS its okay, does not make it legally okay. Texas is very restrictive on these issues, and the attorney general has made it clear to agencies to tread within the boundries of the law. I also advised XXXX that this is a disputed debt, and has been disputed with XXXX XXXX XXXX in person at the XXXX, Texas location repeatedly. The fact that XXXX XXXX XXXX sent a disputed account out for collection will be submitted as well. As someone who managed one of the largest collection agencies for over 30 years, these violations and issues shook me to the core. You can not cavalierly break laws and act unprofessionally just because " { your } compliance office " says its okay. Hanging up on an initial contact and being unprofessional is almost unforgivable in todays regualtion F envirionment I would think. In closing, Penn Credit violated my rights as a consumer on two fronts. 1 ) Rude and Unprofessional behavior by representative XXXX XXXX by hanging up on me after asking for a call back number, 2 ) Voilation of my rights as a consumer by XXXX XXXX by illegally giving out a portion of my address ( PII ) without properly identifying me. I will comment their representative XXXX XXXX for following all protocols. I will accept, as a settlement of these violations the sum of XXXX along with an apology letter signed by both XXXX XXXX and her direct supervisor. The FDCPA allows for XXXX per violation, so I am not seeking the full amount due to me, or the costs of attorneys fees on both sides. I can be contacted by management at Penn Credit at XXXX, or by email at XXXX Thank you
06/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Penn Credit Corporation to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Penn Credit Corporation must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Penn Credit Corporation to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Penn Credit Corporation. Providing that Penn Credit Corporation is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 012XX	Web
I received a debt collection notice from a company who identifies themself at " PennCredit Corporation. '' They assessed a debt from XXXX to me which apparently occurred anywhere from XXXX At no time have I ever been contacted by XXXX or XXXX to settle an outstanding debt. XXXX has a valid, direct line to my checking account for my current XXXX. There is no need for a collection agency. This debt is not valid. The debt company PennCredit Corporation and subsequent claim is false and fraudulent. I base this conclusion on several factors. No license plate is cited on their Notice of Collection. No location is cited. No time is cited. No date is cited. Their website is a front ( I'm a web designer, it's so poorly created they really should be embarrassed. ) Under Payments, they accept Traveler 's checks. Come on. Nothing screams SCAM more than accepting Traveler 's Checks. How about I pay them in XXXX XXXX cards? Anyways, I'm reporting them to you, the Massachusetts AG office, and XXXX. Hopefully someone will drive them out of business, pun intended. I have written the following to them to follow the terms of disputing a charge within 30 days of notification. I am playing their game as I notify the agencies needed to stop their continued fraudulent activities. " I received a bill assessing {$29.00} in charges for tolls or fees occurred in the time period XXXX. I dispute these charges. If they were legitimate, you would have the exact date, my license plate identification, and the time and place where this happened. This is a scam. PennCredit is not a legitimate agency or fee. If you feel I am mistaken, please provide photographic evidence including a clear photo of the vehicle, the plate, the driver. Include the date, time and place where this took place. I also want a detailed explanation, in writing, why this charge was never assessed or attempted to be assessed for the past five years. A copy of your scam is going to XXXX which you are falsely representing. I say this because they have never reached out to me because this is an illegitimate claim. A copy of your scam is going to the Federal Trade Commission so they can start or add to the file on this illegitimate company you call PennCredit. A copy of your scam is going to the Attorney General of Massachusetts, the Honorable XXXX XXXX XXXX. Lastly, it sickens me to see such a poor attempt to steal peoples money. Your website was done by a hack. Real credit agencies do not accept travelers checks. I hope you get hit by a train. Im sure your parents killed themselves when they realized they raised such a horrible human being. You should follow in their footsteps. Take this as my written dispute to your illegitimate claim. Sincerely, XXXX XXXX '' While I do wish an early grave upon these scumbags and those who follow in their footsteps, this is not a direct threat of harm from me to another and should not be taken as such in the legal sense. I am simply musing that their lack of existence would make the world a far better place. Thank you for your cooperation in this matter. I would appreciate any correspondence collaborating the fact that they are indeed, a fake company out to scam people out of their hard earned money. Much appreciation, XXXX XXXX
04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92392	Web
This complaint is a follow-up complaint to XXXX submitted on XX/XX/XXXX and closed on XX/XX/XXXX after Penn Credit responded to the complaint. Prior to receiving any response to the complaint referenced above, I emailed both the original creditor, XXXX XXXX XXXX, and Penn Credit, described as a third party collections company. On XX/XX/XXXXand XXXX I received a comprehensive list of bills, payments, and verifications from the original creditor. This shows dates of move in and out of residences covering XX/XX/XXXX thru XX/XX/XXXX. I submit these places of residence and dates appear to be accurate. Close examination of these records shows that the original creditor sets the date of first delinquency as XX/XX/XXXX.This was the first month a fee was charged for an overdue account. Also, the original creditor shows that at no time after XX/XX/XXXX was the account ever brought up to date. Payments were made but not the total amount XXXX XXXX ( XXXX ) stated as the amount due. So, it would seem that the date of first and sustained delinquency was XX/XX/XXXX-XX/XX/XXXX and not XX/XX/XXXX or XX/XX/XXXX as Penn Credit reported to XXXX, XXXX, and XXXX. I was under the impression, as per the response to complaint by XXXX XXXX, collections manager for Penn Credit ; he had requested debt verification from XXXX and updated same as of XX/XX/XXXX ( I believe that may be a typo and XX/XX/XXXX was meant by XXXX XXXX ) Also, as of XX/XX/XXXX he states that an itemized breakdown outlining the debt was mailed to me. And that according to the FCRA he contacted and updated the credit bureaus as prescribed by law. I maintain that he has done none of what was described in the response by XXXX XXXX when he responded to my original complaint. XXXX XXXX sent me 3 pages ; a cover letter from Penn Credit, the last month bill from XXXX of XX/XX/XXXX, and the second page which accompanies the bill from Penelec. No itemized list, no verification showing the accurate date when debt first came due. I know that Penn Credit, once a dispute is filed concerning the date of first delinquency must investigate and correct the date if evidence warrants same. It is apparent that XXXX XXXX did not do his due diligence as required by law. Question : Did XXXX send Penn Credit the same information they did me? Did XXXX or Penn Credit purposely try and conceal the date debt first became due? Did either XXXX or Penn Credit violate laws by not properly or timely fix reported errors of the date of first delinquency? Further, I am still not positive that third parties that aid indigent and XXXX individuals may have paid some of this debt but it was never credited. I applied to several companies, some of which were made available on the XXXX website, for payment assistance. I am still investigating to see if any payments were made on my behalf. As evidence, I have the emails from XXXX XXXX XXXX responding to my email inquiry. They also sent copies of every bill and payment they claim I made. I have the 3-page response from XXXX XXXX. I have sent evidence of my assertions in this complaint with this complaint.
10/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web
To whom it may concerns, After viewing a copy of my credit report and after receiving many unwanted calls and attempts on XX/XX/2023, I noticed a collection account placed on my credit report from you in XX/XX/2023. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 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. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it ; is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Best Regards, XXXX XXXX
01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 323XX	Web
XX/XX/2022 PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dauphin To : The XXXX XXXX XXXX XXXX for PENN CREDIT CORPORATION From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
04/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10462	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This PENN CREDIT CORP account with a balance {$550.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
01/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
After another failed attempt of tryin to get this debt validated with Penn Credit, my credit is heavily impacted by the erroneous information they are publishing. In a previous complaint with Penn Credit, I was given contact information for XXXX XXXX I've contacted this person several times as its stated in the company reply and I've yet to hear back from him. Because this company has completely failed to communicate with me and validate said debt, this debt needs to be removed from my credit report immediately. As stated in my original complaint, I have the right to request debt validation in which I asked for and still don't have. The company has been given ample amount of time to provide me with the requested information and has yet to do so. Due to the lack of communication and unwillingness to cooperate, I've contacted the original creditor in hopes of getting this resolved. Not only is Penn Credit reporting information that they have not validated, they are reporting inaccurate information. The law says during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against this company and the credit bureau responsible for reporting this violation. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33990	Web
On XX/XX/2018, I received a Notice of Collection from Penn Credit Corp on behalf of Florida XXXX XXXX XXXX, requesting a balance due of {$270.00}. After reading the letter, I called the 1-800 number provided. I spoke to a representative and I explained that I was not a resident of XXXX XXXX during the period in question. Furthermore, I explained that during the period in question, I was a residing in XXXX XXXX and that I had not established the alleged XXXX account. The representative instructed me to provide the entity via E-mail ( XXXX ) with a copy of an Electric Bill with the company I had an Account during the period in question ; as well as other documentation which proved my place of residence during the period in question, in order for the entity to review it. The representative also noted that, once Penn Credit reviewed the documents which proved that, I was a resident of XXXX XXXX during the period in question, this matter would be cleared with their Client ( XXXX XXXX and I would be exonerated from the alledged XXXX Account debt. Immediately after I spoke to the representative, I E-mailed all requested documentation which clearly demonstrated that I resided in XXXX XXXX and not XXXX during the period in question. I provided Penn Credit Corp with enough time to review all documents provided but no one from Penn Credit called back to provide me with a resolution. Therefore, I called today XXXX XX/XX/2018. During the call, I explained to the representative who responded the reason why I was calling ; after my explanation she requested a moment to review the notes on the Account and after reviewing them she stated that, in order to get this matter cleared with the Client ( XXXX ), I would need to show proof of a final payment for the Balance due. I told her that, the point of me providing the XXXX XXXX XXXX with documentation that demonstrated I was not a XXXX resident during the period in question was in order to make sure that I'm not held responsible for the payment of the alleged amount due. In addition, I noted that I did not establish the XXXX account during the period in question, therefore I'm not responsible for the outstanding balance. Despite this the representative stated that, the only way I could get this matter cleared with their client ( XXXX ) would be paying the alleged balance due. Penn Credit Corp has failed to give me required notices and/or disclosures e.g. written validation notice, including the consumer rights under the federal Fair Debt Collection Practices Act. In addition, the Entity is now harassing me, and trying to collect the balance due, even after I have provided evidence as per instructed by the representative from your facility on XX/XX/2018.
05/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78201	Web
I received a collection letter in the mail from Penn Credit On XX/XX/XXXX for a delinquen/ fraudulent utility account in amount of {$470.00} that was opened without my consent by XXXX XXXX XXXX I explained to the representative that the information that they had on file was incorrect and that I had never lived at that address that the utility company had provided them nor had I ever done business with XXXX XXXX. At that moment I realized that I had become a victim of identity theft. I was provided with XXXX XXXX contact information and was advised to report the discrepancy to them. I was also advised by Penn to file a police and identity theft report. The collections representative that I spoke to also provided additional accounts and addresses that appeared on their system as delinquent. These additional accounts which I have yet to receive a collection letter from Penn-Credit appeared to be linked to my name and social security number. I contacted XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX to report these accounts as fraudulent. An agent by the name of XXXX assisted ( {$470.00} ) me with one of the fraudulent accounts and another agent by the name of XXXX opened a total of 6 fraudulent disputes ( {$280.00} ; {$280.00} ; {$310.00} ; {$470.00} ; {$470.00} ; {$400.00} ) for me. XXXX provided a confirmation number ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) for each one of the accounts that she reported as fraudulent. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records ( Penn Credit ) and their own records. Both entities have be notified that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I reside at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I was told by XXXX XXXX that they would Investigating these fraudulent accounts in addition to getting them removed from the collection agency. I was also told by XXXX that someone from their company would be contacting me within 14 days and I have yet to hear back on the XXXX accounts that XXXX reported. I have been actively monitoring my credit report since XX/XX/XXXX. All three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity was stolen. I have filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to be placed on my credit reports and fraud alerts have been placed as well.
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32304	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
11/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19720	Web
XXXX XXXX and Penn Credit Corporation is engaging in unlawful extortion by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX XXXX, Penn Credit Corporation and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX transferred the account in reference without lawful authority to Penn Credit Corporation which is a violation of code 18 USC 1028 ( a ) ( 2 ). Penn Credit Corporation obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Penn Credit Corporation and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Penn Credit Corporation does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Penn Credit Corporation is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Penn Credit Corporation that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Penn Credit Corporation has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30350	Web	Servicemember
I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and XXXX Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. XXXX Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( XXXX ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely PENN CREDIT, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and XXXX violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
01/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30815	Web
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. Thank You, XXXX XXXX
01/27/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06511	Web
I called Penn Credit on XX/XX/XXXX to schedule a payment of the full balance owed to XXXX XXXX gas of {$270.00}. The payment was scheduled for XX/XX/XXXX. There was a second payment to XXXX XXXX via Penn Credit that was scheduled for XX/XX/XXXX and that payment was taken out of my account by Penn Credit. I was under the assumption that all of the balances were paid in full since I made the payment arrangement and there was no other communication from Penn Credit. Today XX/XX/XXXX, 4 months later, I received a letter in the mail from Penn Credit to collect a debt of {$270.00} that was outstanding for XXXX XXXX XXXXXXXX. I thought that there was a mistake since this was paid in full in XXXX last year. I called Penn Credit and was told by them that the balance was still owed. They tried to tell me that they debited my bank card on XXXX but the payment was denied. This was a lie since the money was in my account and it had a positive balance of {$930.00} on XX/XX/XXXX and sufficient funds the following days ( snapshot included ) and the second payment that they took out on XX/XX/XXXX was deducted from my account ( snapshot also included ). The problem wasn't with my bank or balance. I asked why they did not contact me immediately and why it has taken 4 months to be notified via mail that my payment didn't process. I asked if they can send me proof via mail of their billing paperwork that shows that their attempted payment was denied and they refused to send me that. It is my belief that Penn Credit 's billing department made an error or did not take the payment on XX/XX/XXXX as scheduled and left this debt sitting with them until now. This could have had serious consequences for me if it was reported to collections because I am in the process of buying a home. It is unacceptable that they waited 4 months to send me a letter stating that they still had this balance when it was scheduled to be paid in full on XX/XX/XXXX. XXXX. They told me that they tried to call me but they did not leave a message. I received no communication via mail or email from them or XXXXXXXX XXXX XXXX until now. Penn Credit 's methods of processing and collecting debt are faulty and potentially damaging to consumer 's credit records, in turn their ability to rent or buy a home and take care of other necessary life responsibilities and needs that rely on credit reporting and consumer credit score.
08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43232	Web
Notice for Proof of Claim Account : PENN CREDIT CORPORATION XXXX XXXXoWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/2022 Dear Penn Credit Corporation After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Best Regards, XXXX XXXX
04/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08087	Web
On XX/XX/XXXX, I received notification from XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by debt collector, Penn Credit Corporation XXXX An attempt to collect a debt I had no knowledge about. On XX/XX/XXXX, I received correspondence from Penn Credit stating an amount was owed to XXXX & XXXX in the amount of {$100.00}. In their letter, it stated to respond via email or mail. I immediately responded on XX/XX/XXXX and sent an email ( copy attached ) to Penn Credit requesting copies of utility statements from XXXX & XXXX for my review. To my knowledge, the account was paid in full upon closing the account with XXXX & XXXX back in XX/XX/XXXX. XXXX & XXXX is not my utility company, but it was back in XX/XX/XXXX for XXXX only while renting a townhome and waiting for my new home to be built. All my correspondence was sent to a XXXX XXXX while my home was being built which I kept until XX/XX/XXXX and do not understand why XXXX & XXXX waited until now to speak up of an amount owed. On XX/XX/XXXX, I received acknowledgement from Penn Credit with copies of XXXX XXXX XXXX 's XX/XX/XXXX final bill. Two days later, on XX/XX/XXXX, I received a notification from my XXXX that derogatory information was reported. Penn Credit Corporation did not provide me with necessary documents when first contacting via correspondence on XX/XX/XXXX. Penn Credit Corporation did not allow me enough time to review and respond prior to reporting negative/ derogatory information to the credit reporting bureaus. I have incredible credit status with no negative information reported, and now due to Penn Credit Corporation, there is a negative scar on my report. I would not foolishly jeopardize my credit rating for {$100.00}. I hope we can clear this matter up as soon as possible and Penn Credit Corporation is held accountable for false accusations against myself and my credit reporting status and not allowing me ample time to resolve this matter as under the CFPB laws for credit reporting, etc. Penn Credit Corporation is located at XXXX XXXX XXXX, XXXX, PA XXXX with phone number of ( XXXX ) XXXX and email address of : XXXX Thank you in advance for your time. XXXX
11/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70117	Web
I asked for validation of this debt and it was removed from my credit report. Today i wake up from an alert saying that it has been re added back to my credit profile. First and moremost a deletion reinsertion is a direct violation of FCRA. I did not receive any written notice about this debt getting added back on my credit report. To my knowledge if they DO NOT notify me in writing, it is an instant violation of FCRA, which carries a {$1000.00} fine PAYABLE TO ME. In accordance with the requirements of the FCRA as stated below : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 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. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to be undoubtedly upset.
05/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48219	Web
To Whom It May Concern : I know you have an oath. I know you have an oath to the state that we are in. I know you have an oath to the United States, so I accept those oaths, both of them. I confirm that I have received a written communication from you dated XX/XX/XXXX wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us. I have offered to settle the matter between myself and XXXX XXXX. MAXIMS OF EQUITY 1. Equity sees that as done, which ought to have been done 2. Equity will not suffer a wrong to be without a remedy 3. Equity delights in equality 4. One who seeks equity, must do equity 5. Equity will not aid a volunteer 6. Equity will not allow a statue to be used as a cloak for fraud 7. He who comes in equity must come with clean hands And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession, and ye shall return every man unto his family. ( Leviticus 25:10 ) ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 March 9th 1933, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of 1968 ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ). 1. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 2. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 3. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). Of this presentment take due Notice and heed and govern yourself accordingly.
12/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 18944	Web
I writing because I pull my credit on XX/XX/XXXX found out about this collection from PENN CREDIT CORPORATION Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did reply back to my initial letter PENN CREDIT CORPORATION but they are still violating federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter on XX/XX/XXXX. So, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AP XXXXX	Web	Servicemember
After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). XXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.
07/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
Back in XX/XX/XXXX, I received a notification my credit score dropped due to a collections account with Penn Credit Corp ( PCC ) on behalf of XXXX XXXX XXXX ( XXXX ). I have never had XXXX as an electric service provider. I contacted PCC and was instructed to contact XXXX. XXXX told me I needed to file a police report, which I did, then they needed me to fill out a questionnaire and provide documents such as, drivers license from XX/XX/XXXX ( when the fraudulent account was opened ), a utility bill from that time, and my residence history from XX/XX/XXXX to the present showing I never lived at the address where the electric company was servicing somebody using my name and SSN which i completed on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they received enough information to remove the balance of XXXX from my active account ( It was never my account ) and the collections account was removed from my credit report. This past week, I received another negative collections account on my CR for the same thing! I contacted Penn Credit, they said XXXX is saying they never received a police report. I contacted XXXX and they told me they do n't know why PCC opened up the collections account again because they had everything and the investigation was closed in XX/XX/XXXX. I contacted PCC again, was transferred to the same supervisor twice ( XXXX ) and both times as I started to tell my story was hung up on. PCC shows evidence of weak CMS and furnishing to CRA 's. Furthermore, XXXX removed the negative account the first time and it was through XXXX again that re-opened the collections account on my CR. I provided the letter from XXXX showing the close of the investigation in my favor and a screenshot showing the open collection account from PCC and right below the previous claim for the same account and money being closed! I saved everything from the original investigation, including the police report of stolen identity and the fax transmission pages from the police station to XXXX and from a hotel in XXXX XXXX to XXXX for the additional documents and questionnaire needed to be filled out.
07/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19132	Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PENN CREDIT CORP Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PENN CREDIT CORP Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
06/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 18702	Web
Penn Corp failed to provide me an option to validate or dispute prior to placing a derogatory account on my credit report. They placed two separate derogatory accounts on my credit report dating XX/XX/2022 and XX/XX/2022. I was not aware of this alleged debt with XXXX until my credit card company notified me of the first derogatory account. Penn Credit failed to provide me a validation notice. They called an incorrect phone ( XXXX ) number three times, allegedly mailed a notification on XX/XX/2022 and my credit report showed a derogatory account on XX/XX/2022. I verify my phone number with XXXX each time I go for services. Calling an incorrect number is unacceptable. The alleged mail notification that Penn Credit sent was dated XX/XX/2022 that I received today. On XX/XX/2022, I spoke with a XXXX XXXX and XXXX at Penn Credit. I first spoke with XXXX XXXX and requested I requested a copy of the doctors orders ( if applicable to my alleged debt ), a copy of all alleged correspondence, a copy of the EOB XXXX should have received from my insurance, and the actual claim that XXXX submitted to be sent certified mail in order to confirm receipt. XXXX XXXX stated that my request was completely unreasonable in my pursuit of verifying the debt and transferred me to her supervisor XXXX. XXXX claims that Penn Credit can not send me the requested information via certified mail. Clearly I have not received anything on this alleged debt. My credit score went from XXXX to XXXX after the first derogatory account was placed. Having a XXXX credit score clearly shows my attention to detail and care/concern over financial matters. I haven't received an updated after the second derogatory account was placed. The amount of this alleged debt is outside the expected with my insurance. Through my insurance I do not have a deductible or coinsurance. I am responsible for a {$10.00} copy for a primary care/PCP appointment, {$20.00} copy for a specialist, and a {$35.00} copay for an emergency room visit. A debt of {$680.00} is well outside a reasonable amount for my insurance.
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CT 06851	Web
I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account. Subject: Acknowledgement of debt XX/XX/2015 Room: XXXX CaseXXXX XXXX XXXX Subject - Traffic Ticket Receipts Dear Clerk Representative, Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid. Sincerely, XXXX P XXXX E-mail. : XXXX (Penn Credit) ID number: XXXX
11/18/2019	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	PA 177XX	Web
In XX/XX/XXXX, My husband and I sold our house and moved from our home in XXXX XXXX, PA. We called the electric company to pay our bill and schedule shut off of our electric at the house. Sometime later in XXXX I received a collection notice from PENN Credit ( acct # XXXX ) regarding a past due elective bill. I did not know where this bill was coming from as my husband and I had to make a final payment in full on the electric bill of our home in order to schedule the power to be shut off at the home we sold. After multiple calls with the electric company and Penn Credit, the end result was that there was a gap from when the new home owners moved in and when XXXX shut our account off. XXXX would not adjust the bill to the correct account. Penn Credit just wanted their money. There was no way to even talk to the new homeowner to try to get them to pay the bill. So, frustrated and not getting help from any direction, my husband and I finally just paid the bill. It was agreed and the representative from Penn Credit confirmed that once I paid the bill over the phone with my bank card on XX/XX/XXXX the account would be removed from our credit report. Months later, the account is still on my credit report and affecting my ability to buy a home. We have spoken with one of the credit bureaus it is being reported to ( XXXX ) and they have indicated that they dont know why it is still on the report and it can be taken off, but needs to come at the request of Penn Credit. Any bank I speak too states the same. We have contacted Penn Credit multiple times and were told I can try to dispute all I want, they will just keep kicking it back that the account is closed but will never take this off of my credit report. They dont have to or want to. This is causing a major financial headache for me in trying to improve my credit and buy a home. I dont know what to do at this point. Penn Credit is preventing me from being able to obtain a loan. I have done what they asked and were promised it would be. I feel like my credit is being harassed and held hostage by this company.
10/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 333XX	Web
DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85712	Web
On XX/XX/1023, PennCredit, a Pennsylvania Corporation, contacted me via US Mail in Arizona in an attempt to collect a debt I do NOT owe. PennCredit Corporation is NOT registered to conduct business in Arizona. Arizona law requires foreign ( ie, out of state ) corporations that transact business in the state to register with the Arizona Corporation Commission and obtain a Certificate of Authority before engaging in business activities. Therefore, PennCredit Corp is operating unlawfully in Arizona. I responded to PennCredit via email on XX/XX/XXXX to 1 ) notify the company that it is operating unlawfully in Arizona, and 2 ) to dispute the debt the company claims I own. To date, I have received NO response from PennCredit Corporation. The Arizona statute requiring corporations to register with the Arizona Corporation Commission and obtain a certificate of authority is found in XXXX XXXX XXXX XXXX, Article 1 of the Arizona Revised Statutes. The specific section that addresses this requirement i s A.R.S. 10-1501. A.R.S. 10-1501 states that " a foreign corporation may not transact business in this state until it obtains a certificate of authority from th e commission. '' The section goes on to define " transacting business '' to include " any entry into this state to carry on any part of its business, '' " any internal affairs proceedings, '' and " any other act which may constitute doing business. '' Therefore, if a corporation wishes to conduct business in Arizona, it must obtain a certificate of authority from the Arizona Corporation Commission before doing so. Since PennCredit Corporation is NOT registered and does NOT have a Certificate of Authority with the ACC, it is unlawfully operating its business in Arizona ( and probably many other states as well ) by attempting to collect alleged debts from persons in Arizona. Note that every US state has a similar law that requires all foreign corporations register with? Usually ) the Office of the Secretary of State in that particular state.
04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22079	Web	Servicemember
I contact Penn Credit Corporation about XXXX XXXX XXXX collection accounts reporting on my credit report. I acknowledge owing XXXX account, but not XXXX and was concerned that XXXX were reporting, hurting my credit score. I spoke to XXXX, who confirmed that I owe $ XXXX XXXX account only. She stated that Penn Credit Corp reports accounts as they receive and update them, resulting in XXXX collection accounts reporting to the credit bureaus. She also stated that Penn would not remove the second account-acknowledged to be a false collection account-until the first was paid in full. I asked to speak to a supervisor and was transferred to XXXX XXXX. XXXX stated that when an account stays in the office for a certain length of time without payment, Penn Credit Corp assigns the account a new client number and re-reports the account to the credit bureaus as a new collection account, resulting in a false, duplicate second collection account. XXXX supported XXXX 's actions and re-iterated that if I paid my account balance in full, XXXX of the collection accounts would be removed from my credit report. I explained that the false collection account is impacting my credit score and making it appear that I have XXXX collection accounts with XXXX XXXX when in reality I only have XXXX. XXXX indicated that she would file a request for a balance verification. I asked how long that would take and she said she had " no clue ''. I also asked what this would do as I had acknowledged owing a balance. XXXX said it might delete the second collection account from my credit report. In the meantime, I still have the XXXX collection accounts reporting on my credit report, causing my credit score to be lower than what it should be. The original account was assigned in XXXX and has reported since. The false, duplicate account was assigned in XXXX and reported since. At this point, what is to stop them from assigning another client number and reporting a third collection account to the credit bureaus?
04/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29730	Web
It has come to my attention that Penn Credit Corporation is in violation of a cease and desist order which was delivered to them on XX/XX/2022. I have asked this company for VALIDATION of this alleged debt but they continue to send me VERIFICATION which happens to be a bill dated 3 months after the sale of the alleged property. Prior to selling the home, the new purchaser had to put the Gas services in her name to take care of all the inspections on the XXXX family dwelling knows by the address XXXX XXXX XXXX unit XXXX & XXXX. There is no such address as XXXX XXXX XXXX. I now have proof that Penn Credit Corporation is using extortionate means with forethought and malice to collect this alleged debt which is a federal offense with up to a 20 year sentence, a fine or both. Being that XXXX XXXX claim to be the individual handling this account, he is in direct compliance with violation federal law and I will be certain to attach the response to CFPB complaint # XXXX. The documents for the closing on this address will be attached to this complaint as well as the fraudulent XXXX bill which is verification and not validation of the alleged debt. Please pay close attention to the dates on such statements. I am also sending the cease and desist order again so that Penn Credit Corporation can stop violating this order by communicating with me through the credit reporting agencies. I am fully aware of my rights as a consumer and I will be forced to take legal action of Penn Credit Corporation continues to use extortion as a way of forcing me to make a payment on this ILLEGAL alleged debt. My consumer reports are a direct reflection of my reputation as a consumer and I take my reputation seriously. Please carefully read the attached documents so that we do not have to take this any further action. Also attached to this complaint is the final payment due to XXXX which they cashed in the amount of {$250.00}. I advise you to not take this any further.
07/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web
This is my SECOND complaint I am filing because the first complaint was closed out unresolved! Penn Corp 's response to my first complaint mentioned a name that was not mine ( someone by the name of XXXX XXXX, which is not me ) and said they would resolve this, which they did not and have violated several of my consumer rights. A medical collection ( that I was never notified was going to be sent to collections ) showed up on my credit report and negatively impacted my credit. I sent out a certified debt validation letter on XX/XX/2022 to Penn Credit Corporation requesting they validate this debt, per my right under the FDCPA. Penn Credit Corporation received this letter on XX/XX/2022 ( according to the USPS tracking ) and per the FCRA they have 30 days to respond to my request from the date they receive this letter and they DID NOT respond at all. Since they did not respond, all references to this account MUST be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately, per my letter. Now since they IGNORED this FIRST debt validation letter. I sent them a failure to validate the debt letter on XX/XX/2022 informing them they failed to validate this debt at my request and CONTINUE to report a DISPUTED DEBT to the Credit Bureaus which is a FDCPA and FCRA violation so that's TWO VIOLATIONS. They had 15 days from the date of receiving my second letter to respond. They received the letter on XX/XX/2022 ( according to their SIGNED USPS receipt ) and completely ignored this SECOND letter which means I reserve the right to sue this company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from them if warranted. I have provided all receipts and images. Delete this from my credit file immediately to avoid legal action and a copy of such deletion request must be sent to me immediately, per my letter.
11/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 61615	Web
On or about XX/XX/2018, I received a final bill from XXXX XXXX XXXX in the amount of {$34.00}. On Monday, XX/XX/2018 I paid the balance in full via XXXX XXXX XXXX website ( Confirmation # XXXX ). On XX/XX/2018, I received a letter form Penn Credit Corporation ( XXXX XXXX XXXX, XXXX, PA XXXX ). I called Penn Credit on XX/XX/2018 to advise them that this had been paid within 2 days of receiving the final bill from XXXX XXXX XXXX as well as the total paid and confirmation number. The girl who answered the phone was extremely rude, raising her voice, and advised me that there was no report of the payment, that I needed to pay them directly. I advised her that I received the letter from Penn after I got the statement from XXXX XXXX XXXX and I already paid them. I advised her that I wanted a statement from Penn once they received my payment from XXXX XXXX XXXX stating that my account had been paid and was now closed. She advised me repeatedly that unless I pay them, they can't send me such letter. I told her again that I paid XXXX XXXX XXXX, I was not going to pay them, and that I wanted something stating this was closed once they got confirmation of my payment. She told me again that they don't do that nor did they need to do that. I told her that I have worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 14 years, and yes, I can get a copy of that. She began raising her voice even more stating that they don't do that. I advised her that I was just going to file a report. The fact that this bill was paid BEFORE I got a notice from Penn, I shouldn't have to, nor will I, pay Penn on top of paying XXXX XXXX XXXX which was less than 30 days since my water was shut off- and paid 2 days after receiving notice from them. I want confirmation from Penn that this account was paid ( once they receive the payment ) and the account is closed. I do not want this on my credit report, as it again has been paid.
02/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18042	Web
On XXXX XXXX I sent a dispute letter to Penn Credit Corp in regards to innacurate information they were reporting on my credit report and demanded the four accounts be removed if they are unable to verify these accounts. 609 ( a ) ( 1 ) ( A ) the original creditor XXXX XXXX XXXX, and the collection agency Penn Credit Corp are required by federal law to verify through the physical verification of the original signed consumer contract. Under this section unverified accounts must be removed and neither party has provided me this physical proof, but still has ability and or authority to report these accounts. I will be filing a police report with the local police department regarding the fraudulent accounts being reported. I have also spoken with a customer service rep from XXXX XXXX XXXX the original creditor, on XX/XX/XXXX, I explained to the agent that these accounts were not setup by me and your reporting is inaccurate and fraudulent ultimately the representative was happy to file a fraud case on behalf of these two accounts and the representative explained anyone can call to setup a service account all a fraudster would need is a name and a social security number she informed me that I would also need to file a police report ( which costs money ) so I will be filing four of them tomorrow. The collection agency Penn Credit Corp is also being sued by me at this time for violating debt collecting laws. They have sent me threatening letters on two occasions afterwards I sent these letters to my attorney whom filed judgement under these unprofessional violations. I have written them back disputing the validation of this debt they just continue to send copies of bills and because through some system consumers are not suppose to know about, these collection agencies can certify validation through some miscellaneous means and the Credit Bureaus are just as corrupt.
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 194XX	Web
I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.
02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30047	Web	Servicemember
Penn Credit Corp is reporting a collection on my XXXX, XXXX, and XXXX XXXX XXXX for a debt that they do not own. The original creditor is The City of XXXX and they own the debt but Penn Credit is reporting and attempting to collect on a debt that they do not own and has been Paid In Full to the original creditor, City XXXX XXXX in full. They are also adding fees of XXXX which is not owed to the city of XXXX and they do not own the debt that has been paid in full to the original creditor and is reporting to my credit bureaus. Per telephone discussion, they should be removing the collection from all three credit bureaus. There is no outstanding debt owed to The City XXXX XXXX as the {$260.00} balance owed to them has been paid. On XX/XX/2022, I spoke with Penn Credit who advised that they have the ability to remove the listing on my credit report. I also spoke with XXXX, a manager at the city XXXX XXXXXXXX who advised that she spoke with Penn Credit Corp and confirmed that they have the ability to remove the listing they are reporting for a debt that has been paid to the original creditor in which Penn Credit doesn't own. Prior to XX/XX/2022, I have never communicated with Penn Credit or received any written correspondence. They clearly sent items to an incorrect or old address as I never received anything from them. I contacted them by retrieving their number from their listing on my credit file. The city XXXX XXXX also has the ability to pull this from collections as they have been paid. They sent me the portal screenshot showing that Penn Credit had a bad address for me which is why I never received anything from them. I have requested Removal from all three credit bureaus as Penn Credit is reporting debt they do NOT legally own that has been paid to the original creditor that doesn't exist as it has been paid.
09/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11378	Web
I sold my property in XXXX, Michigan on XX/XX/XXXX. I had both heat and electricity through XXXX XXXX. I had asked XXXX XXXX to stop both services on XX/XX/XXXX and they had confirmed that they will. There had been a major billing issue prior to this cut-off. XXXX XXXX was not correctly reflecting payment and usage due to XXXX changing to a new system. I had spoken with a representative of XXXX XXXX and she had assured me it will be fixed and will no longer be a problem. After I closed on the house, I received a credit collection letter from " XXXX XXXX XXXX '' on behalf of XXXX XXXX. I wrote back and gave them an explanation, and disputed the {$240.00} debt ( on XX/XX/XXXX ). On XX/XX/XXXX, they wrote to me that this issue ( collection ) has been canceled. I thought that was the end of it, but it was not. I received yet another letter from a different agency regarding the same issue. This time the letter was from Penn Credit Corporation around XX/XX/XXXX. On XX/XX/XXXX, I wrote to them and explained what had happened and disputed the debt. I never heard back from them or XXXX XXXX. In late XXXX, I was checking my credit score on XXXX as I do every month or so, and I realized my excellent ( XXXX ) credit score had fallen off a cliff ( now XXXX ) as a result of a derogatory mark having been placed on my file by Penn Credit regarding the XXXX XXXX dispute. The same sharp decline had happened to my FICO score. I need Penn Credit to immediately remove this mark. It has cost me time, money, and considerable anxiety. I need the following : - Penn Credit to remove the derogatory mark from all 3 credit reports immediately. - Penn Credit to cease and desist. - XXXX XXXX to cease and desist. - I need assistance reinstating my stellar Credit Score and FICO Score. Respectfully, XXXX XXXX
04/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23505	Web	Servicemember
On XX/XX/XXXX I sent Penn Credit the exact letter below. I provided them with the correct information and my address was included. They have yet to reply and it is the XX/XX/XXXX. I believe this falls within the 30 days and debt should be removed. I also provided them with a copy of my credit report show the debt was still being reported despite my request to stop reporting it. I also verified that my letter was received by Penn Credit over a month ago. Account info XXXX Collections date XX/XX/XXXX Balance {$1900.00} Original {$2100.00} Penn Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. During the reported date opened I was overseas and without any services in the United States. Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. With Regards, XXXX XXXX
04/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 364XX	Web
Penn Credit Corporation sent me a letter dated XX/XX/2022 which I received in my mailbox days later in mailbox regarding a debt and I mailed a dispute letter requested dispute of debt on XX/XX/2022 and requested a validation of the debt which I kept copies. In their letter on XX/XX/2022 they said I could dispute by XX/XX/2022. If you do not dispute we assume the debt is correct. I wrote in letter if they did not send me a validation letter according to the Fair Debt Act it should be removed from credit report. I also mailed a certified letter and received a green return signature card after they received it. They had 30 days to send me letter of validation of information requested and did not receive anything with that 30 days. Then they sent another letter on XX/XX/2022 ignoring my letter of validation asking me to pay the debt. Failure to do so they stated in letter will lead us that I had no intention to pay the debt. They still did not send a validation letter at all. You are not supposed to send letters about payment until a dispute is done. Today, XX/XX/2022 in my informed delivery of USPS mail which I have copies they sent me a letter saying they verified debt with me which they did not and never sent me info. Just received a letter today on XX/XX/2022 and letter was stamped and mailed on XX/XX/2022 from Postal Service. Stated they verified information with me on XX/XX/2022. By law I had a right to validation and they must send a validation letter thats requested within 30 days after dispute. This is a lie. They never did within that time. I have copies of everything. I want this debt collector information and debt removed from all my credit reports. They are not going by the law of Fair Debt to consumer.
12/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80026	Web
According to the FDCPA 15 U.S. Code 1692a ( 2 ) communication is defined and means the conveying of information regarding a debt directly or indirectly to any person through any medium. Penn Credit Corporation is still reporting falsely on my credit report which is a form of communication that they are still trying to collect a debt not owed. This has caused me XXXX and XXXX XXXX to the point it is effecting my work life balance. they can not communicate with me through ANY medium. remove your account from my credit report immediately your in violation of the FDCPA. On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on Ceasing communication. Pursuant to the FDCPA 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XXXX, XXXX XXXX, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe. I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation XXXX Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.
02/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ME 040XX	Web	Servicemember
Continues to send me unverified debt letters. Has never furnished a contract with my signature on it. Only sends a copy of a utility bill. I do not not have I ever done business with Penn Credit Corporation. I do not owe this company anything! STILL have yet to verify the following : 1. Full original Account Number2. Date original Account was opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 7. A copy of a contract with my signature on it with your company. 8. A copy of your license to collect in the state of Maine. 9. The name of the registered agent for your company. 10. A certified copy of a judgement made against me by your company in a court of law. 11. A copy of how you purchased this unverified debt and for what price. They haveNOTprovided me a copy of ANY original documentation required underSection 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply.I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
03/31/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 45103	Web
I had a medical bill that is unresolved through the XXXX Fire Department. I am in the process of applying for financial aid for that debt but nonetheless the Fire Department sold the debt to a third party collection agency called " Penn Credit '' while the resolution regarding the financial aid is pending. I have been in contact with Penn Credit and they offered me a payoff amount of {$640.00} on a bill that was approximately {$990.00}. I told them that I was first going to apply for financial aid on the bill because I was never given the opportunity to do so when I was injured. I informed them on the phone that I would call them when a resolution was reached with the fire department. I am still awaiting the results of the financial aid application. ( Likely due to the COVID-19 pandemic ). I am also in the process of disputing the validity of the debt with the fire department because I was involved in a minor incident that involved me having to ride in an ambulance for less than one mile, without receiving any medical care whilst in the ambulance. I was in contact with Penn Credit when I received the first letter from them saying that I was disputing the validity and applying for financial aid with the fire department. ( I'm a full time graduate student I have no health insurance ). They have my phone number and my address but instead have chose to repeatedly call my mothers cell phone instead. It happened again today and I saved the proof that they have called her cell phone multiple times while I have spoken with them. They have violated the FDCPA by calling my mother several times ( while I have never ceased communications with them ). They have also ignored my requests to stop calling my mother.
12/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17050	Web
A debt of mine of an amount of {$50.00} was sent to a collections agency called XXXX XXXX XXXX. They mailed me about every week. I sent a check totalling {$50.00} to them properly labeled and written. Over a month went by before they finally cashed my debt and closed my collection account which happened on XX/XX/2023. They finally stopped mailing me on XX/XX/2023. Over a month AFTER my debt had been paid, the date on the letter is XX/XX/2023, a DIFFERENT debt collection agency, PennCredit, mailed me stating that I owed the same amount ( {$50.00} ) to the same company, even though a payment check was cashed over a month prior. After receiving this letter from PennCredit on XX/XX/2023, I waited until the next business day, XX/XX/2023, to contact them. On XX/XX/2023, I called their line and asked how to clear the debt. I was told an email to email ( XXXX ) and given information to provide for them to investigate. After sending an email to that email containing images of the cashed checks ( from my bank ), along with screenshots of the date showing that my debt had been paid, the compliance team emailed me back after less than 6 hours and notified me that " the proof of payment date provided is prior to the service date [ ... ] on file [ which ] is XX/XX/2023 ''. This was a complete lie as all of the attachments I had send them indicated that the check was cashed by the collector on XX/XX/2023. After receiving their reply I emailed back with another screenshot from the collector that showed that all debt had been paid off on the XXXX of XXXX, XXXX. I find the behavior of PennCredit to be shady and very malicious and that their compliance team is completely out of line by lying to me about my debt.
12/12/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	IL 60068	Web
XXXX - I buy a car. My dad gives me his old car to use as a trade in, valued at {$200.00}. This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. I pay the full car loan off in full within 2 months. XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. I did. I have a scan of the check in my bank account, proof it was signed and cashed. XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.
01/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33308	Web
On XX/XX/2019, I received a phone call from Penn Credit Corp claiming I owed a debt of {$150.00} to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I sent a debt verification letter to Penn Credit corp, as I am entitled to under FDCPA. I continued to receive phone calls from them, and I repeatedly requested a verification of the debt that included a bill from XXXX, at the one they sent me did not not XXXX on it, nor did it look like an official bill. It looked like a bunch of number put in an excel spreadsheet. I also requested information regarding 1 ) Agreement with the creditor that authorizes Penn Credit to collect on this alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 4 ) Proof that the Statute of Limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges being assessed 6 ) Information showing me that Penn Credit corp is licensed to collect in my state ; and 7 ) license numbers of the Registered Agents I was in contact with. Penn Credit corp sent me the same papers that look like an excel spreadsheet, which do not contain both my name and the name of XXXX on the same page. They did not provide me with the information i requested, nor was it enough to verify anything. Penn Credit corp continued to call me, and I brought up this concern with them. I explained that it did not seem like a legitimate debt, they then threatened to " happily '' report this debt so it " hits my credit score ''. The document attached is the same letter I sent with personal information removed.
07/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33860	Web	Servicemember
On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.
01/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web
Throughout the time frame of XX/XX/XXXX to the present day XX/XX/XXXX, PENN CREDIT CORPORATION has repeatedly FAILED to validate the alleged debt ( s ) of {$600.00} and {$200.00}. Let it be known that I HAVE NEVER RECEIVED ANY SERVICES FROM PENN CREDIT CORPORATION ON ANY DAY AT ANY TIME FOR ANY REASON and I XXXX the living man have disputed the debt ( s ) and allowed PENN CREDIT CORP appropriate time to show evidence of this debt to be valid, but PENN CREDIT CORPORATION has FAILED to provide the requested Competent evidence of debt validation despite my repeated requests. I spatcher ; XXXX sent three ( 3 ) letters requesting validation of the alleged debt to PENN CREDIT CORPORATION evidenced by Certified Mail Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. My investigation was pursuant to the Generally Accepted Accounting Principles G.A.A.P., International Financial Reporting Standards IFRS, Basel III, the United Nations Commission on International Trade Law U.N.C.I.T.R.A.L. CONVENTION, the Fair Credit Reporting Act " FCRA '' and the Fair Debt Collections Practices Act " FCDPA ''. In my letters requesting competent evidence of debt validation pursuant to the Laws above, I stated " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does NOT constitute verification ''. Instead of sending the requested evidence, PENN CREDIT CORPORATION sent me a copy of " BILLING STATEMENTS ''. Despite the fact that PENN CREDIT CORPORATION has failed to validate the alleged debt after over 150 days, THEY REFUSE TO REMOVE THEIR TRADELINE FROM MY CREDIT REPORT. PLEASE HELP!
12/05/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 78665	Web
on XX/XX/XXXX contacted Penn Credit Corp and spoke with employee # XXXX about the debt information I received and disputed that the documentation sent with the photos was not visible or clear proving I owe the debt. I stated to the employee # XXXX that I want to continue to dispute this debt being the photos they sent me in fact is not proving I owe the debt because they are not clear or readable of my license plate for my vehicle’sEmployee #XXXX wanted to argue with me and speak over me while talking and said they are mine and he can read the license plate numbers. I again said in the conversation it’s not legible or readable and that it’s not the front of my vehicle and the amounts are not making sense being I do not use the Tolls. This employee demanded that I was refusing to pay the debt and not accepting my dispute and was trying to hang up on me and not listen to my dispute request as allowed under FDCPA. Then this employee said he would just document that I was refusing to pay the amount owed. My FDCPA rights have been violated and I want this documented for the record. This conversation with this employee was monitored by another employee of mine at the time of the conversation on XX/XX/2019 about XXXX. Also, this same debt has been disputed since early XX/XX/2019 by certified mail. I also have had several other phone conversations with this office that I'm willing to write written testimony on with dates and times when we get to that point. Please see my attached pictures that are not readable. Also the amounts are not broken down into where, when, time, or accurate dates and amounts of the toll charges.
02/05/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30534	Web
I have been receiving calls for months from XXXX XXXX XXXX XXXX XXXX XXXX. A recorded message is asking for a XXXX XXXX. I do not know this person! After getting these calls for weeks, I finally called them and asked them to take them off of their calling list. They refused because I would not provide them with my personal information. I am XXXX with XXXX XXXX so it is difficult for me to get to the phone. I don't need these calls! They call very often. I have a very small CID, but I have that this month alone, they called on : XX/XX/XXXX @ XXXX PM, XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM Yes, dates are correct XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM During this month, our phone / internet service has gone out on occasion with XXXX, so I don't know if they attempted to call more frequently or not. I do know that my sister-in-law XXXX XXXX and we were in a different state for a couple of days in early XXXX and when we returned there were several calls at that time. I don't know what else to do, since they only seem to want my personal information. I do not know these people ( XXXX XXXX XXXX XXXX and I do not know XXXX XXXX XXXX XXXX? XXXX. My husband 's name is XXXX, but I know he has a credit rating over 820 and we have been married for more than 30 years. Our last name ( nor any of his family ) is NOT similar to anything that sounds like XXXX?. I do not know if someone has found our number and given our number out, but I don't even give it out to doctors. I just want these calls to stop and appreciate any help you can provide.
12/12/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48221	Web
On XX/XX/22 I submitted a CFPB complaint # XXXX to Penn Credit Corporation to stop communicating with me on all mediums included but not limited to all consumer reporting agencies. Shortly after Penn Credit Corporation responded by stating " We also updated XXXX XXXX file to cease and desist further communication regarding the matter, pursuant to her request. Penn Credit Corporation wants to help bring resolution to this matter. '' As of XX/XX/22, Penn Credit Corporation has continued to communicate via my consumer report. The term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by Penn Credit Corporation will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). Penn Credit Corporation has been able to continue to abuse me as a consumer with unfair debt collection practices over an alleged debt. They have continued to violate 15 USC 1692c ( c ). Under 15 USC 1692c ( c ) congress mentions invoking a specified remedy due to the injuries that I have incurred due to Penn Credit Corporation not following my instructions and lying and saying that they have honored my wishes, it is still showing up on my consumer report, please see attached consumer report generated on XX/XX/22. Penn Credit Corporation has violated me by communicating with me without my consent after telling them to stop the illegal activities and they have not stopped
03/18/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20774	Web
Dear Sir/Madam, I am writing to you regarding a debt that you are attempting to collect from me in relation to a camera ticket. I am requesting that you provide me with validation of this debt to confirm that it belongs to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. I believe that I have the right to receive this validation before any further collection activity is taken against me. Please provide me with the following documents to validate the debt : 1. A copy of the original citation or notice of violation that shows the date, time, and location of the alleged violation ; 2. A detailed breakdown of the charges and fees associated with the ticket, including any interest or penalty charges ; 3. Proof that you are authorized to collect this debt on behalf of the issuing agency or municipality ; 4. Any photographs or other evidence that support your claim that I owe this debt ; and 5. Any other documents or information that you believe support your claim that I owe this debt. Please note that I am not acknowledging that I owe this debt or making any payments at this time. I am simply requesting that you provide me with the necessary information to verify that this debt belongs to me. I request that you respond to this request within 30 days from the date of receipt of this letter. If you are unable to provide the requested information, please provide me with a detailed explanation as to why you are unable to do so. Thank you for your cooperation in this matter. Sincerely, XXXX XXXX
04/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30605	Web
Good afternoon : I received a letter dated XX/XX/XXXX. Regarding a medical debt from an emergency service from XX/XX/XXXX. I have previously called when I received the bill last year and informed the representative that I was unable to make a payment because of my employment situation, the representative mentioned that my credit will be harm although I tried to request an extension. Today I tried to get in contact with the debt collection company, the first time I called the call they hanged on me, second time, somebody answered and I provided the ID number and my current the address, still the representative said I needed to provide my DOB, when I asked her why, she hang on the phone on me. I tried for the third time and I was unable no make any arrangement because the representative hanged on the phone on me. I am attaching evidence of the phone calls I have made as well as the letter that I received from them where they threatened me mentioning legal actions such as obtaining a copy of a judgment, I don't have an idea of any legal procedure going on. And finally the emergency service was called to my house on XX/XX/XXXX, the paramedics checked me and decided to take me to the hospital which I have understood it is a service that the city provides when they have to take you in the ambulance. I will appreciate if you could please look up on to my case. I have work really hard and I spent money to keep my credit clean. Also the representives behavior is very rude and they don't allow to speak they are just ready to hang on the phone on people. Thank you
11/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11364	Web
I saw a credit collection on my credit report from Penn Credit Corporation This is a debt that was tried to be collected by another company. I contacted the previous company to get more information and that company failed to provide any information. The debt was removed and now this company is showing on my credit report. I contacted Penn Credit Corporation on XX/XX/2021. I spoke to a XXXX, who was very unprofessional and asked me for my personal information over the phone, social security, address, etc. I responded by saying, if you are trying to collect a debt, you should have that information already, I'm not giving it to you. I confirmed the last XXXX digits of my social security number and then, she proceeded to very unprofessionally ask to pay the debt. I said, I would be willing to look at a formal correspondence from this company about the debt to be collected. I asked if she had my address and she said she did, which was correct. I asked them to send me a letter specifying the debt and whatever terms I needed to adhere to. She did not mention anything about what my obligation were in regard to disputing the debt or any other information. I did not receive any written notices about the debt or any other communication. The debt collector mentioned above did not provide any of the information they are required to provide and they did not send any written documentation after that call, as they are required within XXXX day. I requested the written notice and still did not receive anything, over a month ago.
09/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 480XX	Web	Servicemember
On XX/XX/XXXX I was notified of a collection alert on my credit report with XXXX via email. I logged into XXXX and viewed the collection. I contacted to original owner twice and in the second call today I and was told to settle this account with the collection company as they sold it to them. I explained to the original owner of this debt that I never received any certified or uncertified mail, calls or any correspondence of any sort about any debt I owed them before it was sent to a collection agency which then admitted to not communicating with me about. On XX/XX/2019 I received a response from XXXX XXXX from Penn Credit Corporation that Penn Credit was full aware that they had sent some unknown notification to a non-deliverable address which the post office confirmed I did not live at which just so happens to be the address of this alleged utility collection which I provided evidence of not residing at. I have never see. Any credible validation of this debt. I contacted Penn Credit on XX/XX/2019 requesting communication and debt validation and they failed to response to me or send anything to me about this alleged debt within the regulated time frame according to FDCPA : The Fair Debt Collection Practices Act ( FDCPA ), enacted in 1977, requires that debt collectors provide consumers with certain information during or within five days of initial communication, including, among other things, information about a given debt and the consumers right to dispute the debt. I dispute this debt for the XXXX time!
08/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 20002	Web
I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.
04/28/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20774	Web
I am writing to acknowledge the debt validation you sent to me on XX/XX/XXXX. While I appreciate your efforts to provide me with information regarding the alleged debt, I have some concerns about the accuracy and completeness of the information provided. I would like to draw your attention to the fact that the notice of collection that was sent on XXXX stated a camera fine of {$84.00}, whereas the debt validation I received does not include the original document, nor the correct amount. Instead, the document shows a delinquent parking violation, which differs from the information initially sent. I kindly request that you provide me with accurate information regarding the alleged debt as soon as possible. Furthermore, I have noticed that the debt validation does not state my name, but rather states " Service rendered. '' This language is ambiguous and misleading, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that you correct this error immediately and provide me with a new debt validation that includes my name. Additionally, I dispute the alleged debt in its entirety and do not consent to any further communication from your company regarding this matter. Therefore, I request that you cease all contact with me, as I consider any further communication to be a violation of my rights under the FDCPA. Please confirm in writing that you will cease all communication with me immediately. Thank you for your attention to this matter. Sincerely, XXXX
03/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66049	Web
I received a letter addressed to me about an unpaid fine relating to a felony conviction in Florida in 2002. This bill is not mine. I called the company from my work phone and told them I am not the person they are looking for. The woman on the phone apologized and said she would remove my name from the system. Two days later I received a phone call at work from the company requesting payment for the bill. I spoke to a different woman this time and I asked why I was receiving the call ; she said the woman I spoke to earlier had removed my address from their system but not my telephone number. Since they called him on my work phone, the first woman I spoke with entered my work telephone number in their system. I asked them to remove my telephone number from their system. The woman asked me for my date of birth and I refused ; I will not give out my date of birth to a stranger on the phone. I offered to provide the ID number from the bill I received ( as this was sufficient for the first woman I spoke with ), but the second woman said she needs my date of birth. I asked the woman to tell me the date of birth they have on record for this bill and I would confirm or deny that the date of birth on record was mine. She said it doesn't work that way and I need to provide my date of birth. I told her this is not my bill and I would not provide my date of birth. She said they would continue to pursue payment of this bill and I need to contact a lawyer for legal advice.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
02/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85298	Web	Servicemember
Not sure how to describe this because I have issues on 2 fronts : 1 ) I was XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time I had student loans that were deferred because of my XXXX XXXX status. But the companies would constantly sell my loans to other companies and I wouldn't even know about it until I was in collections and started getting letters. My credit was destroyed for 10 years because these companies would sell my loans, I would end up in collections ( even though XXXX XXXX has deferred status ) and I would have to resubmit all my military orders again. But the years of collection dings still show, even though I was payment deferred due to XXXX XXXX status during that time. 2 ) I was dealing with PENN collections on a {$130.00} bill that I didn't even know about. When I spoke with the guy on the phone 2 weeks ago my impression was that paying it would remove it from my credit report. It did not and they won't help. They simply marked is " paid '' so my credit score is still damaged. I'm trying to refinance my VA loan, and these things are preventing it. I've never missed a bill I've known about and all my student loans are now paid ( I paid them off because I was so tired of having them sold and then ending up in collections because I couldn't even find where they were sold to ). I just need my credit report to reflect my 100 % payment history and figure out how to remove all these blemishes that are either wrong or dealt with.
01/23/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48197	Web
Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my XXXX daughter and me. As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue XXXX, barriers to essential services such as housing, and jeopardizing the well-being of my family
07/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23666	Web
Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.
07/25/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23059	Web
I received a form collection letter from a company called Penn Credit Corporation stating I owed {$160000.00} in back taxes. I immediately called the company as I do n't owe the State of Maryland anything. According to the company 's form this goes back to 2009. I live in MD for four months temporarily in 2009, my employer filed the -2 and my tax accountant filed all the necessary tax returns. I can not get this company to call me back. I only get a recording that does not announce their name and asks the caller to leave a message. I was becoming more suspicious of this company/activity as I researched further. I called the State of MD Controllers office and they put me through to Tax Services. I gave them the information on the form letter and the woman on the phone said that this must have something to do with the audit of the Stats of Maryland and they could n't find documents. I asked her when that became the taxpayers problem that they could not locate records and she of course was less than useful. I asked her where balance due came from on the collection notice I received and she said " they just put my income in there ''. I asked her again where the income on the collection notice came from where because I did not make that much money in the state of MD and wish I would have. Again no help, no answers. This is unacceptable and as of today, Tuesday, XXXX XXXX at XXXX I have not heard one word from Penn Credit Corp .
07/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18411	Web
Two phone calls were received on XXXX/XXXX/XXXX at XXXX XXXX ET and XXXX XXXX ET from a Penn credit corp on caller ID. No message was left with any details and when attempting to call back all that was being said in the first call is that this was regarding a personal business matter. The company name was not divulged and nothing other than this call is being recorded were advised. They asked twice to speak with someone else but all they would advise is that this was not a sales call when asked directly. After doing more research online it appears multiple individuals have been scammed by this company for non existent or settled debts. There has been no notifications received by mail and no knowledge of any debts outstanding as all have been paid up to date. This company seems to be taking a large amount of liberty with when they have to divulge who they are as well as dancing the line of legality with their outbound sales calls. When I called back asking to verify if the first number was legitimate using a different number directly from the companies website all they could advise is that they use multiple numbers including local numbers sometimes. They have removed the number from the listing but we have no way to id the debt without giving out personal details and potentially being falsely held liable for an invalid debt. At this point our next step is to contact our lawyer and escalate the matter legally.
02/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32712	Web
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as PENN CREDIT CORPORATION AND XXXX XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX credit file. This is not my account and i want it removed from my XXXX files permanently. PENN CREDIT CORPORATIO Original creditor : XXXX XXXX XXXX {$550.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96740	Web	Servicemember
I had previously filed a complaint that was close because I did not have enough information or remember any of the debt collection company names. The complaint was under: XXXX and was closed last year in XXXX XXXX . I went overseas to work during that time and came back home in XXXX of XXXX . I still have new messages pertaining to a XXXX XXXX who has had the my current home phone number. From at least XXXX of the year XXXX , I have had multiple daily calls from Penn Credit COR at XXXX and XXXX XXXX at XXXX XXXX about debt collection. These calls start early in the morning between XXXX and XXXX . No one is usually here to answer the phone and the answering machines only stores so many messages. In the past when I was home to answer the phone, I would tell the debt collectors t hat they had the wrong number and they would stop calling after a few days. Shortly after that, there would be a different company call, and so on and so forth. It appears that they would close the file and give it to another company, but still use the client 's last know phone number which is my current number. Since the client has a female name, I think that they think I am her and that is why they keep switching the file off to other companies. This has been happening for probably 4 years and I would like it to stop without me having to change my phone number. thank you
09/19/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91709	Web
This company has been calling my cell phone consistently since the end of XXXX. Sometimes there are four phone calls in one day. Because of the amount of calls received and no messages ever left I called the number back on XX/XX/XXXX. At that time the person said they were trying to collect a debt and sending written notices to an address I haven't lived at in over five years. I told the person the debt was not mine. I also had informed them that I had filed bankruptcy in XX/XX/XXXX and any debtors I was aware of at that time were included in my bankruptcy. I told them they were to immediately stop contacting me, there should not be anything placed on my credit report since the debt is over two THOUSAND days old and again reiterated that the debt is not mine. The male agent threatened me with legal action and at that point I hung up. The calls have continued at an increasing rate since then and they are becoming annoying and harassing. PLEASE NOTE THAT THE ADDRESS I'VE PROVIDED IS NOT THE SAME ADDRESS THIS COMPANY HAS ON FILE FOR ME. THEY HAVE AN ADDRESS FROM 2013 AND I DONT WANT THEM HAVING MY CURRENT ADDRESS. ALSO, SINCE THEY CLAIM THIS IS A XXXX XXXX DEBT THEY SHOULD NOT HAVE MY SOCIAL SECURITY NUMBER WHICH IS WHY I'VE NOT PROVIDED IT. THEY WERE ABLE TO PULL MY INFORMATION UP WITH JUST MY PHONE NUMBER WHEN I CONTACTED THEM SO A PHONE NUMBER SHOULD BE ENOUGH INFORMATION
12/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20148	Web
Beginning approximately XXXX XXXX, 2017, I have been receiving harassing " robocalls '' calls TWICE DAILY by Penn Credit Corporation 's number XXXX for a person that has NEVER lived at my residence nor do I know the whereabouts of this person that they are calling for ( XXXX XXXX ). They asked me to contact this person to ask her to contact them to discuss her debt-related issues with them. I am not legally responsible for this person 's debts and I am not legally permitted to discuss this person 's debts anyway since I am not related to this person. I do not know her whereabouts and this person has NEVER lived at my residence. I have attempted to call them back but have not been able to get a live person and their automated menu does not allow me to ask for customer service to request that they cease and desist their robocalls because the person they are asking for does NOT live at my residence and I do not know the whereabouts of this person they are calling for. They are now violating the Fair Debt Collection Protection Act ( FDCPA ) by : 1 ) Repeatedly calling daily when this person they are attempting to reach has never lived at my residence and I have no information as to the whereabouts of this person. 2 ) I am not party to the debt-related issues that Penn Credit is trying to discuss with this " XXXX XXXX '' as I am not related to this person whatsoever.
04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33150	Web
To whom this may concern : A debt was reported to my XXXX credit report in XX/XX/XXXX. I have tried numerous times to report to the collections company that has this debt in their reporting to my report that this debt does not belong to me nor does the is the address associated with the account ever been somewhere I have resided or know of. They have made numerous attempts since XXXX to contact me about this debt until finally late XXXX they stopped contacting me after I asked them to stop calling me and explained to me that I've trying to get them to remove the collection from my report for over two years now. I keep disputing the collection with XXXX and they keep validating the debt as mine with the collections company. The collections company reports on my report as Penn Credit Report for the amount of {$300.00} owed from the XXXX XXXX XXXX XXXX. I let them know that I do not reside in the XXXX XXXX XXXX and that my address as it is reported on my report is XXXX XXXX XXXX XXXX XXXX FL XXXX. I have tried numerous times to work with the company to prove the debt does not belong to me and that there must be a mistake but they will not work with me and are telling me the debt must remain on my report until it falls off. I am asking that someone from this organization help me find a resolution to have this inaccurate collection removed from my report.
11/06/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97224	Web	Older American, Servicemember
Sir or Madam, Today from my XXXX account PENN CREDIT CORPORATIO has flagged your account as Collections on XX/XX/2021 I assume they have also contacted the other 2 credit bureaus, which adversely affect my credit. This action is over a debt which is 3.5 + years old which I have I NEVER received a bill for, not one. I have tried to work with the collection company to Identify if this is my bill. I have assured them that I will pay the bill expeditiously ; if we identify it as my debt. They respond with form letters and emails that say not to respond. They did commit to ask for a copy of the original bill and any subsequent payments received below : From : XXXX, XXXX EMAIL Dated : Tue, XX/XX/2021 at XXXX AM Subject : RE : ID # XXXX To : ME The dispute was sent as of XX/XX/2021. Please allow approximately 30 days for response. If you havent received the response within the 30-day period, please contact Penn Credit Corporation XXXX XXXX or email us directly at XXXX. Its now been over 60 days and they have flagged your account as collections with the credit bureaus ( s ), Yet they have not provided me the proof it was my bill [ promised above ] and now they are actively pursuing collection of a dispute charge. I have attached my XX/XX/2021 which restates my willingness to pay and what I need to do that along with screen shot from my XXXX account page.
02/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA XXXXX	Web
On the XX/XX/2019, i filed a complaint against PENN CREDIT CORPORATION due to inaccurate information they're reporting to the Credit Bureaus. I requested full verification and proof of ownership of the account with documentations showing my signature agreeing to do business with them or the XXXX XXXX XXXX, based on the four page documentations they sent i now believe they are trying to collect money unfairly from the wrong person. i see no signature, no billing statements that breaks down how i owe the money. Yes it is true i did live at the address they mentioned in the past which is XXXX XXXX XXXX but they got the wrong apartment my wife and i lived in apartment 2 floor rear and not 2 floor front as they claims in the documentation provided, the smallest unit in the house is where we lived. one more thing they don't know is our living condition at the time, four tenants shared a large house that the owner separated into four different apartments. One incident i remembered is when i first moved in my unit, the previous tenant didn't pay their gas bill and XXXX put that responsibility on me, i disputed that bill and it was rectify now i think they are playing the same tricks to unlawfully make me pay for a service i never utilized. Below are all four sheets of documents i received from them, but still not proof of my ownership of the account.
01/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85742	Web
The Penn Credit Corp has constantly been calling my home for some time ( 24 calls since I began counting XX/XX/XXXX ). These are mostly hang up calls that register on my caller ID system. Penn Credit has left only two messages on my answering machine. These messages are vague and require an action from the listener ( " Hello. I have a message concerning important personal business. To receive this message in English, press one. '' ) When I looked this company up, I found them to be a debt collection agency. I am a single woman and responsible for my debts and those alone. I only owe money on a mortgage and that is up to date. I have never been late or delinquent on bills. I have never walked out on a debt ( retail, utility, medical, car, taxes ). I can only assume XXXX of XXXX things about the calls from Penn Credit : 1. These calls are for another unnamed person and Penn Credit has an incorrect/outdated telephone number on file. 2.These calls involve some kind of scam or an illegitimate attempt to collect a debt I do not owe. Since I have never received anything in writing from Penn Credit Corp, and I presume that would be the initial form of contact, I believe # 1 to be correct. Therefore, let it be known, that I will never answer Penn Credit 's calls, respond to their messages, or call them back. They have a wrong number on file.
07/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Web
I contacted this company this morning about settling a debt for a hospital visit. I stated my only options for payment considering I am not currently working and therefore I do not make a pay check as of this moment so the payments would be coming from somewhere else. I conveyed this to the creditor and asked for {$15.00} a month payments and a letter sent to me verifying it. When I stated it would be paid by someone else who would not want their personal credit card in a collectors file, he told me they couldnt send me the letter. I asked why he stated they need it in file in order to agree. It is not that company nor any others place to demand such a personal private thing from others to be save in thier files from people not associated with this account. I made the attempt and this creditor refused to cooperate. Creditor : PENN CREDIT CORPORATION ID NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.A. XXXX THIS COMPANY REFUSE TO COOPERATE WITH ME ON GETTING THIS BILL FINALLY PAID TO AVOID GOING ON MY CREDIT. I AM FILING A COMPLAINT UNDER THE BEST OPTIONS YOUR COMPANY HAS ALLOWED ME TO CHOOSE FROM. PLEASE HELP. I REALLY WANT TO SETTLE THIS DEBT BUT THIS HAS TO BE ON MY AFFORDABLE TERMS CONSIDERING MY CIRCUMSTANCES WITH THIS INJURY. PLEASE HELP. Thank you for your time and efforts on this very important matter.
06/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33569	Web	Servicemember
Utility company is stated that there is an outstanding amount on an account from 2014 that I had at a previous address. This account was paid in full when the account was closed due to no longer needing service. There was credit on the account for a security deposit that was paid originally, leaving a small portion that was paid over the phone at time of disconnect. This was for the address XXXX XXXX XXXX, XXXX, WV XXXX. I was renting the home at that time for a short period before relocating to XXXX for work. When I received a statement in the mail for XXXX XXXX I immediately contacted them to inquire to this outstanding amount. The statement was for service for a period of time that we did not vacate the home. This was the reason for the immediate concern and spoke with customer service which stated that they see the disconnect and dates that service was disconnected but for some reason service was not disconnected but transferred to another person. I explained that I was not responsible for this amount and they told me that it would be taken care of. I never received any further information from them and assumed it was taken care of. Now this information is on my credit report with a collection agency for the power company. I need this removed civily or I will be forced to file suit against the for fraud.
09/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 198XX	Web
I called Penn Credit Corporation on XX/XX/XXXX and spoke with someone and told the guy I want to dispute this matter the guy told me I cant which wasnt true also I let him know this account was a very old account after he couldnt even found me in there system after 5mins of being on the phone with him Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. I call the original company and they confirm that the debt was last paid by me In XX/XX/XXXX and after that a company called XXXX paid XXXX $ which I didnt pay The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I want it removed
02/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33130	Web
Hello, This medical bill was issued to me from my prior address in Pennsylvania. I recently relocated to XXXX Fl, for school. It was not till recently I made a legal address change after moving into my new apartment complex. The debt, I believe penn credit is attempting to collect was paid for. While I was a resident in Pennsylvania, I was covered under XXXX. XXXX covered completely the cost of my medical visit, and lab work. I had my own insurance company schedule me an appointment with a practitioner that is covered under my insurance. The medical bill is for the lab work my doctor requested. The amount owed is {$100.00} This debt is from XX/XX/XXXX However, If this bill was recently from my emergency visit, than it also should be covered under insurance. I am a XXXX at the XXXX XXXX XXXX, and recently had a medical emergency for my condition XXXX. Any lab work, and visits that have been done are also covered by my insurance when it was active. Although XXXX does not cover me in the state of Florida, emergency visits are covered. My insurance was applied to my student account.My visits have been through student facilities, so my bill should be covered. I also attempted to sign into my XXXX XXXX and locate the Bill with the account number provided, and nothing could be found.
03/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NH 03833	Web	Older American
On XX/XX/XXXX, I received a " Notice of Collection '' from PennCredit Corporation in XXXX PA advising me that the State of New Jersey had referred collection of my delinquent account to their agency. The notice contains the following information : DEPARTMENT, COMM AFF - CODES & STANDARDS, SERVICE DATE - XX/XX/XXXX, BALANCE {$5600.00}. There is a case number and an ID number which I am not including because it may pertain to someone's personal information. The notice was addressed to my address, to someone who has a different first name than mine, but who has the same last name as my maiden name. I have not used my maiden name since I got married 32 years ago, I was not New Jersey in XX/XX/XXXX or any other time, I do not own property in New Jersey and I have never done any business with the state of New Jersey. The only similarity between me and the owner of this debt is a last name that has never at any time been associated with my address. This company is attempting to make a connection between the owner of this debt and a thread of information they located to attach the debt to someone. The have misused my personal information as it is not relevant to their purposes. It is through practices like this that people have their credit destroyed and it can take years to get it corrected.
08/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
Can not collect on a discharged debt. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
01/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30296	Web
On XX/XX/2016, this debt for {$160.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11701	Web
On XX/XX/XXXX I received a collection notice from Penn Credit Corp for XXXX XXXX XXXX XXXX. I immediately contacted them indicating I wanted to dispute the debt because it does not belong to me. The first reason is because i do not live in XXXX and have never lived or owned property there. I live and work in XXXX XXXX XXXX. I own my own home and have since XXXX the utility company i am using is XXXX for lights and XXXX XXXX for heat. There is no reason to have gas & electric services in XXXX. The second reason is because I explained to them that i am a victim of identity theft. Somehow my social was compromised and people have been applying for benefits and things under my name. I sent them proof of that as well. Instead of investigating the situation, I received notification from XXXX XXXX XXXX that they put me in collections. Then after already placing in collections i get a package in the mail from Penn Credit with forms to dispute the debt. Wouldn't it have been fair to let me dispute it first, then if things did not add up, THEN put it in collections? Instead, they put me in collections first without even giving me a chance to submit the paperwork. There were also questions I asked for them to answer that they never did. I would like those questions answered.
02/24/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	VA 22192	Web	Servicemember
For a couple of years now, Penn Credit Corporation out of Pennsylvania has been seeking compensation for a debt that has been settled. In XXXX, I left my previous college institution of XXXX XXXX University. I transferred to my current college institution in XXXX, which required a transfer of my official transcripts. After I left XXXX XXXX, I paid off my tuition to the college as in order for them to make the transfer of my transcripts ( as it demonstrates within their policy ), I needed to have fulfilled my financial obligation with the University. In XXXX, the aforementioned Penn Credit Corporation contacted me stating that I owed a debt. Which is not possible, based on the information already provided. Though they ceased contact after I demonstrated to them twice that that debt was fraudulent, they recently in XX/XX/XXXX, re-attempted to collect money for this fraudulent debt. In my letters, I not only used their client 's own policy, I also informed them that I have my transcripts available ( which I do not have to share based on the Privacy Act ), and I also provided information directly from the U.S. Department of Education. Early XX/XX/XXXX, I also reported this organization to the XXXX XXXX XXXX for their tactics and attempt to collect a fraudulent debt.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 330XX	Web
I received yet another ping notifying me of my credit score decrease. I open to look into the situation and see that tbis company has reported me 4 times once on a weekly basis to the credit bureau for the same account. I called to discuss the situation at hand and asked specifically if i could speak to a supervisor or manager. XXXX introduced herself as one. After explaining the situation at hand to her in refernwcing to her recurring reports for the same account on a weekly basis. Her response was, " Yes, we are allowed to do that. '' I asked her if she was sure because I tought that it was suppose to be 30 60 90 days and she told me not so. They are allowed to report this on my credit weekly. I responded fine and began to do a little research and have not come across any changes specifying this action. So I called back and spoke with a gentleman this timw. Gave him all the requested information needed to bring up the account in which we did and was able to look into the situation. And he was more focused on retriwving my social security number and update my information rather then address the fact that they are continually report the same account on my credit which has affected my score. So I told him to have a nice day and I will be reaching out to you guys.
11/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ XXXXX	Web
I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX
10/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 062XX	Web	Servicemember
Penn Credit slammed my credit on a debt that they either know or should know is not mine and the product of identity theft. Enclosed is the identity theft report that I did with the Federal Trade Commission on this false debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when they broke into my storage unit at XXXX XXXX XXXX unit in XXXX XXXX on film. The individuals were charged in XXXX XXXX XXXX and were caught on film. When the burglary occurred they stole more than just gold, silver, and high end sports memorabilia but they stole my identifying information and social security card. Since then identity thefts have occurred several times including in this case wherein someone opened a utility account in my name illegally. The collections company or Penn Credit is trying to extort me into paying a debt that is not mine by weaponizing the credit reporting agencies and this is especially extortion when I am in real estate and a bad credit score can implode the business. There's a saying that power corrupts and absolute power corrupts absolutely. In this case the tactic was to weaponize credit reporting to make me pay on an account that was the product of identity theft committed against me.
01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85033	Web
Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. . I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
07/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02143	Web
I had found out I had a debt from XXXX XXXX that was then sent to Penn Debt Collection. Penn had thereby neglected to send any notification of the debt owed to them to my address or any additional information about said debt in their possession including debt amount. Additionally, Penn has neglected to return disclosure of full payment amount to XXXX in what could be considered a timely manner. For example, Penn collections has a XXXX business day turn around time for processing of debt payments. Informing XXXX of successful debt payment takes XXXX business days. At the end of the month, processing of payments are batched and held until the end of business on the last day of the month at XXXX. This payment information is not issued for queue to send to XXXX until the business day. This information was collected from Penn debt collection agents directly. In essence, in order to clear a debt from an individuals account with XXXX is can take over XXXX business days or two weeks in order to resolve a debt. Due the Penns deceptive practices of non-notifications of debts in their possession, refusal to provide proof of debt, in addition to unnecessarily lengthy processing times on their end, they should be investigated for violating the FDCPA.
12/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08520	Web
PENN Credit Corporation has been trying to collect a XXXX & XXXX debt from me in the amount of {$340.00}. The debt is not only mine, but I did not live in the residence associated with the account during the time they are stating. I have disputed the charge, contacted the company to dispute the charge, asked for a validation of debt letter and also informed the company, along with the credit bureaus, that I am a victim of identity theft. I've had my credit report frozen and still have gotten no resolve. I've been verbally abused by representatives at PENN Credit Corporation and haven't received any written statements that validate the debt is mine. This is one of few battles I am fighting, and while other companies are being understanding, PENN has been nothing but rude. I even contacted XXXX & XXXX and spoke to a representative who admitted that they wrongly charge their customers for periods of time not living in the residence of an associated account. If that information doesn't get this removed from my credit report, I don't know what else will. I've done all the right things here and have taken appropriate action, so I'd greatly appreciate this false debt taken off my credit report immediately, so all parties can move on. Thank you!
07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 488XX	Web	Older American, Servicemember
I received a debt collections notification XXXX from Penn Credit Corp. for an electrical service charge dated XXXX for a total of {$430.00} from XXXX XXXX in XXXX Texas. Billing Invoice # XXXX was made to XXXX XXXX giving an acct. number of XXXX XXXX ( Residential ). Address noted is XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. First of all my name is mispelled. Correct spelling of first name is XXXX. Secondly, I have never lived or resided in Texas, nor any family member. I have never had any business association with XXXX XXXX, past or present. It was recommended by a XXXX Representative by the name of " XXXX '' that I file an identity theft report with our local police and also with you. I filed the police report with the XXXX XXXX XXXX XXXX XXXX XXXX yesterday, XXXX XXXX. Complaint # XXXX with XXXX XXXX XXXX # XXXX. I will not be able to obtain a written report of the claim until XXXX XXXX. They have copies of the original documents. The officer recommended that I obtain a credit report and review for any other potential fraudulent charges made in my name. I am in the process of following his instructions. I will have to go outside my residence in order to have documents scanned in order to attach to this complaint, if necessary.
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 161XX	Web
A Dept collection company '' Penn Credit Corp '' has reported a dept to the leading Credit Agencies. I am in agreement that I owe money on a Medical Hospital bill. The amount reported is greatly over reported. They attempted to " Balance Bill '' above and beyond what they received from their contracted agreed prices for medical services-in- network. ( Which is illegal to attempt to collect additional money above and over Contracted Agreed rates and Balance bill. * ( Most importantly they have reported the Hospital collection debt..which was one Total sum of money. From one Hospital. To all three Credit Agencies and fraudulently reported this a total of ( 9 ) ** individual times all dated the same and debt. Not one time, Nine Times over!! This credit reporting incidence decreased my Credit history so very Negitively - 9x.Greater. This caused a catastrophic reduction in my Credit Scores. Which I have suffered greatly for several years. And have been unable to resolve. I believe it is highly illegal to report a single debt more than one time. Not as many time as they want. That averages about- 25 to 45 points x 9 times. Drop in score of approx -negitive 450 point. From one collection company. Any help would be appreciated
12/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18064	Web
A lady named XXXX from Penn Credit Corp first called me on XX/XX/18 at XXXX XXXX. I called back the same night, XX/XX/18, at XXXX XXXX. She immediately asks me for my personal information in order to verify who I am so that she can tell me what this alleged debt pertains to. She would not tell me what company she's representing or what the debt is. I told her that she has to mail me something, and she refused to. She said she will not tell me anything or mail me anything because " she doesn't know who I am. '' I again repeated, " I don't know who YOU are. '' And she said something like, " Well that's ok if you want to act like that, '' and hung up on me. She/the company has since called me again on XX/XX/18 at XXXX XXXX and XX/XX/18 at XXXX XXXX. I have not answered, and I have blocked the number. I have not received anything in the mail. This is some type of scam. I check XXXX at least once a day, and I am 100 % positive I have no outstanding/unaccounted for debts. I settled all of my debts last year. How she's violating my rights, per your website : will not/has not sent me a written " validation notice '' within five days of first contacting me. Will not tell me how much money I owe or the creditor I owe it to.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 368XX	Web
First, I have no idea who this company is. I have never heard of them. I have never received any documents from them. I disputed this account on my credit report requesting documents for validation and verification. I did not receive ANY documents or any information from this company validating this debt or verifying any of the reporting information. Yet, the company verified the account as accurate with XXXX. However, the information being reported to XXXX has violations according to the Fair Credit Reporting Act. 1. There is no payment history being reported. 2.The open date is reporting as XX/XX/XXXX, but 3. The date of first delinquency is reporting as XX/XX/XXXX. So how can the date of first delinquency be before the account open date??? This is impossible and obviously incorrect. 4. The company has not provided the original contract with my signature that proves I owe this after this information was requested. 5. The company has not provided an agreement between its company and the original creditor that proves that this company is legally able to collect this debt 6. The company has not provided documentation that proves that is is legally registered and licensed in my state of Alabama to collect this debt.
12/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33067	Web
I called Penn Credit and sent a letter in XXXX to let them know that this is not my bill. If I went to a hospital, surely, they would have my current address. They gave me an address where I lived 30 years ago. The letter I sent was : Penn Credit Corp. XXXX XXXX XXXX XXXX, XXXX, XXXX To whom it concerns, XX/XX/2022 The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. This is a Debt I DO NOT Owe. Since a collection agency can not sell a collection to another credit agency w/o notifying the debtor. I feel like they are acting illegally by violating the FDCPA. I have never been contacted by any collection agency about who or what I owe if anything. I do believe that this is a scam and will be reported to the CFPB and possibly sued. XXXX XXXX PENN CREDIT - XXXX Last updated XX/XX/2022 Current Balance {$770.00} Account Details DEROGATORY Account Type - Last Account Activity XX/XX/2022 Open Since XX/XX/2022 Ownership Individual Current Balance $ 770 Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Remarks Dispute resolved ; customer disagrees
03/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91776	Web
I have been using XXXX XXXX XXXX XXXXXXXX XXXX for my renting room in XXXX, XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The company has sent all the statements through paper and email notification. I moved to XXXX in early XX/XX/XXXX, and I have transferred the entire utility account to another tenant on XX/XX/XXXX, the account has been closed at same time. I also contacted XXXXXXXX XXXX XXXX customer service multiple times on XX/XX/XXXX, and all the reps said I have no outstanding balance, and non of them asked me to update my new billing address even I mentioned for moving out. Since I always used online service for make payment and check billing statements, I went back to XXXX without any concerns on my closed utility account. Until yesterday night, I've received a credit alert from XXXX XXXX bank, indicated there's a XXXX points decreased from XXXX, and I saw XXXX XXXX XXXX and collection company 's name on my XXXX credit report. I spent couple of hours to contact XXXXXXXX XXXX XXXX and collection company about that last statement which is only {$100.00} dollars. I was so frustrated and helpless after I saw XXXX points dropped on my credit report, and XXXX XXXX XXXX refused to admit this is an error.
04/18/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32826	Web
I used the XXXX XXXX XXXX XXXX XXXX in XXXX . Where the ambulance was sent to was not my address. They claim to have sent bills to this address which only 2 initial bills were received. I then called this provider to give my insurance information and address. This provider never changed my contact information. After my insurance denied to cover this provider 's claim because they submitted the claim too late ( which I had no knowledge of ), XXXX XXXX never attempted to contact me about the balance due. They sent me to Penn Credit Corp c ollections in XXXX without my knowledge . Penn Credit Corp never attempted to contact me to collect my debt. They only way I found this out is due to the fact I check my credit score every month and last month it dropped dramatically. I then called Penn Credit Corp, gave them the correct address and they told me they will resend the bill information to my correct address so I can have proof and dispute it with them, my insurance, etc. I have yet to receive anything from this debit collector and it has been two months since I have contacted them. They will not provide me wit h any physical documentation of my debit. Giving me no chance to fix it.
01/09/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA XXXXX	Web
I received a boilerplate letter from PennCredit that had a description " state of MD Taxes '' and said I owed XXXX from the 2017 tax period. Case number XXXX There is no other information on what this debt could be. I have tried to call the state of MD treasures office several times and several of their different lines, but have never had my call get connected, even after leaving the phone on hold for over an hour. I also called PennCredit on XX/XX/XXXX, and they said they did not know what the debt was for other than " taxes '' and asked if I had paid my taxes for that year, which I had. I said I needed to know what their debt could be and that I thought it was an error since I had only lived in Maryland for one year, had never received any notice from Maryland despite forwarding my Mail, and had never failed to pay any taxes. PennCredit told me to send proof I had paid my state taxes in 2017 to them at XXXX, which I did. I received nothing back and have not heard anything from them until today when I got another notice with the exact same description information now saying. " failure to contact our office leads us to believe that you do not have intentions of resolving your just debt ''
05/10/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33311	Web
XX/XX/2023 I have been receiving a high volume of solicitor phone calls from debt collectors PENN CREDIT CORPORATION and attempt to collect a debt that I believe that I have not have Permissible Purposes FCRA 15 U.S.C. 1681 b Per FCRA Consumer have the rights Penn Credit Corporation committed acts of violations of the FRCA In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone
07/02/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 960XX	Web
I received a letter from PennCredit Corperation, Penn Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX, stating that I owe {$2300.00} for 2015 Taxes in the State of MD. I have called to discuss and was yelled at by the companies representative while also being told I should not contact the IRS because they won't have the information about the debt due. I have never lived in MD not have I even visited. I assumed it was identity fraud, however the only fraud I see from research into my own social security number is that of this company associating an arbitrary debt owed by myself. As this company has a physical address and employees responding to XXXX reviews, I would appreciate it if your team can investigate the company 's legitimacy. As the company is impersonating a federal contractor, I would imagine that they have been issueing statements similar to mine nationwide and it's quite discussing. This amount of money could ruin somebody's life and cause an extraordinary amount of stress on a family struggling to survive financially. It may be overboard to say, but fraud such as this should be considered an act of public terrorism. Thank you, Looking forward to hearing back.
03/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American
I ordered steaks from XXXX. They had a 30 day guarantee policy on steaks. The steaks were awful. SO I called them and offered to return them. They told me they can't accept return steaks, so just dispose of them and they will credit my account. Almost a year later, I was contacted by XXXX XXXX to pay for the steaks. I called for a copy of the original order and they don't have it. All they have is a printout of what they say I owe. I called XXXX to discuss and that order isn't in any of their systems, so I couldn't resolve it then. I sent two certified letters to XXXX disputing the charge, asking for backup, etc. One was sent XX/XX/2021 and the other XX/XX/2021 - both of which I have a signed returned receipt for. XXXX closed the case. Now I got a letter today from Penn Credit Corp. Same dispute. I'm not going through this again. I spent alot of time and money disputing the last dispute and it seems illegal that XXXX can just assign the same debt to different credit companies after it was resolved with the first one. They never provided me a copy of the actual order. XXXX customer service says it is because the return was processed and deleted from their sales system.
08/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94580	Web
* Penn Credit ( XXXX, PA ) is attempting to collect a debt for State of California Storm Water Resources Board for {$1600.00}. * No money is owed because our facility was no longer required to file with the State of CA for an annual permit for storm water compliance. * A Notice of Termination '' was filed and mailed to the State of CA in XXXX, CA on XX/XX/XXXX. * XXXX XXXX ( of the State of CA Storm Water ) confirmed via email on XX/XX/XXXX the receipt of " Notice of Termination ''. His contact information is XXXX. And his telephone number is XXXX XXXX XXXX XXXX. * Penn Credit began collection attempts in XXXX XXXX XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. * XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. * Penn Credit contacted us via mail regarding the debt with a letter dated XX/XX/XXXX. * XX/XX/XXXX : I contacted Penn Credit via telephone, fax and email with the same information previously provided to Penn Credit on XX/XX/XXXX and XX/XX/XXXX. * Penn Credit is creative in changing their " Penn Credit ID reference number '' to create a new debt cycle.
06/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33811	Web
This is with penn credit at the XXXX County clerk of court, XXXX Florida. I had an arrangement for court fines for XXXX down and XXXX a month for remaking balance, on XX/XX/XXXX I called penn credit and gave a updated debit card info and was not told the payment did not clear. On XX/XX/XXXX, penn credit took XXXX payment from my account, I received a letter stating, my license would be suspended on XX/XX/XXXX this is the same account that penn credit deducts payments from, my XXXX account for. I was told to make another XXXX payment on XX/XX/XXXX and make payments for the suspension fee would be resolved. The suspension was not resolved but penn credit continues to deduct funds from my checking account for XXXX County clerk of court. They are not biding to their own agreement, but are taking funds my account. If my account was no longer valid for the arrangement. They were not to take funds from my account, up to this day they have dedecuted funds my XXXX account, but have not went by their agreement plan for services. The customer service reps who I have spoken to since XXXX, has told me different stories, lies, rude and absolutely no resolve to this issue.
07/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 608XX	Web
In XX/XX/XXXX, I received notice of a use tax from XXXX County Illinois of {$200.00}. On XX/XX/XXXX, I sent a letter of dispute to XXXX County. I received no reply to this letter. In XX/XX/XXXX, I received a notice from Penn Credit representing XXXX County indicating that I now owed {$230.00} for the use tax. I paid them {$230.00} on XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX indicating that I owed {$52.00} ( {$2.00} tax plus {$50.00} interest and penalties ). An administrative hearing was scheduled for XX/XX/XXXX. I contacted the XXXX XXXX XXXX and disputed the charges with XXXX. She told me to send an email to XXXX XXXX of Penn Credit with all relevant information. I sent 3 emails on XXXX, XXXX and XX/XX/XXXX. I received no replies. I was unable to attend the administrative hearing because my wife was discharged from the hospital as a XXXX XXXX requiring 24 hour care. I have since received a letter effectively stating that I now owe {$100.00}. I am filing a complaint regarding Penn Credit for failure to provide timely and adequate information for me to resolve this dispute. They have been completely unresponsive to my inquiries.
08/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31313	Web
Back on XXXX XXXX I received a notice for a collection in the amount of XXXX $ for a company called XXXX XXXX works. The bill apparently was setup in XXXX and ran all the way through the pandemic and was shut off. This was in a city and state and address that I never resided at. I was asked by XXXX XXXX works to submit information proving I did not live there. I faxed and mailed 80 pages of documents, including tax returns, A lease signed in the state of Georgia from XX/XX/XXXX and letters stating that I still actively reside at this address, receipts with me paying the rent at the local realtors offices, pay stubs and utility bills for the current residences prior to the fraud account and up until XXXX of XXXX. Today the account was placed in collections by Penn Credit Company and back on my credit report. Again this fraud account has done damage to my credit accounts. A police report was filed, and identity theft report was also filed in the state of Georgia back in XX/XX/XXXX when the information first surfaced, XXXX XXXX works received ample documentation and more at their request. I want this off my credit and all attempts to collect to cease and desist
02/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web
I received a letter from XXXX on XX/XX/2018 stating I had a past due utility bill. The balanced owed is {$130.00}. I then pulled my credit report and saw this bill on my credit report. I filed a police report and contacted my monitoring service on how to handle this fraudulent account. I was told to send my documents to them and they would take care of this matter for me. The Identity Specialist sent a dispute package to the collection agency to the credit bureaus. The information that was included was a dispute letter, copies of my driver 's license, and social security card, proof of address, police report letter of dispute power of attorney and the identity theft affidavit. My dispute was denied so I sent an informal dispute to XXXX the commission of utility and my dispute is under investigation now. The XXXX XXXX agency closed the dispute and due to fraud. I have now received another letter from another collection company called Penn Credit stating I owe the same balance. Penn Credit also received a dispute and all letters that were sent to everyone that this account is being disputed and investigation with XXXX and should have never been sent to them.
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web
I requested proof of ownership of a debit by Penn Credit that reflects on my credit. This was back in XX/XX/2020 after requesting via phone. I did not received anything. I waited and then called again XX/XX/XXXX and spoke to someone who stated they will resend, he could not confirm if my original request was sent out. I went back and fourth explaining this on my credit is hurting my credit and need to just have this resolved. I then decided to pay the amount after being advised if I pay they will send to all 3 credit bureaus showing paid in full and request for it to be removed/deleted form my credit. I advised I only see it reporting on 2 credit bureaus, he stated that's fine as they will send info to all 3 and ensured it will be removed and would stop hindering my credit, he stated once payment post, 10 to 14 days letter will be sent out to all 3 credit bureaus. It is past the time and I have called and was advised to log in with my zip code and ID # and print out proof of payment and that letters were sent. I have confirmed with all 3 credit bureaus, letter has not been received and they will not remove account until letter has been received from them.
06/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 078XX	Web
I have contacted the company ( Penn Credit Corp, XXXX, PA ) on more than one occasion attempting to pay the debt in full. Most recently on XX/XX/2021 and with email communications with their compliance team within the week of XX/XX/2021. I am wanting to pay the debt in full by the end of XX/XX/2021 with the stipulation that they first give me our agreement in writing stating that I will pay off the debt in full by the end of XX/XX/2021 and they will then provide me with a Paid in Full letter and report the debt as such to the credit bureaus. The representative I spoke to on the phone on XX/XX/2021 assured me, after speaking to her supervisor, that the Penn Credit compliance team would provide me with the agreement in writing via email and also by a letter in the mail so the debt could be paid off. After emailing with XXXX from their compliance team, Penn Credit is refusing to give me our payment agreement in writing. After speaking to legal counsel, they suggested I file this complaint for their refusal to provide me with an agreement in writing. If they can not put the agreement in writing, I am suspect that there is even an agreement at all.
10/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75067	Web	Servicemember
On XX/XX/XXXX I received a call from XXXX representative saying that I have a balance of {$520.00} for XXXX XXXX in XXXX, TX. I explained the rep that this is not the first time receiving these phone calls and it's a fraud. They have also sent me a letter for me to dispute the charges. I have also received another letter from Penn Credit dated XX/XX/XXXX, with debt of {$530.00}. That is also not my bill and is a fraud. I have checked my credit report and found address that don't belong to me as well as two debt collections for accounts that have been opened fraudulently. I have disputed those accounts in my credit report and have placed a fraud alert on my credit because I have been a victim of identity theft. I have never lived in XXXX, Texas nor on other addresses that the credits bureaus was showing which I requested to be deleted. I am not sure how these companies allow somebody to open electrical accounts without checking first. My phone number nor my address of residence has changed. So far I have seen three electrical bills for the same time frame, when my house is in XXXX, Texas and I get my electrical bill from my house every month.
08/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80026	Web
On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on XXXX communication. Pursuant to the FDCPA XXXX5 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XXXX, XXXX 2021, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe. I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation . Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.
09/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10456	Web
I received a letter from Penn Credit corporation dated XX/XX/XXXX and after few days without any chance to verify my records ( 30 days to ask for verification ) or according to the FDCP nobody gave the change and placed the account in my credit report in a clear violation of the law. Previously contactked PennCredit via CFPB to obtain copy of any contract or any documetation to validare any debt but the amswer wad they try to contact me in a old address without any success but now they decide to validate by themself. The report show inaccurate information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open and charge using my identity and social. See residency letter from shelter during the period open and charge under my name. XXXX shows day open XX/XX/XXXX and XXXX XX/XX/XXXXand during that time I was living in a shelter so the dates obviously are wrong, the amount is wrong and somebody used my information to open the account.. PennCredit violate the 30 days period and the Credit Bureau allow them to post false and inaccurate information withou any support.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
On XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from PENN CREDIT CORPORATION and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, On XX/XX/XXXX I spoke with a Penn Credit Rep XXXX XXXX ( Agent I.D XXXX ) and verbally requested a debt validation letter with my signature to be sent to the address on file. XXXX stated 6 times that wasn't a option that Penn Credit Corp can not offer me. Since Penn Credit failure to respond to my verbal and written request to validate this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract-any and all accounts you posted on a credit report. I believe this is a direct violation of my consumer rights and I'm requesting this collection to be deleted from XXXX and XXXX credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
03/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 441XX	Web
XX/XX/2020 I called XXXX ( the local gas company ) to settle an account I had with them that they sold to a collection agency in the amount of {$280.00}. I paid XXXX in full. I asked the rep what should I do to get the collection account removed from my credit report since I paid the ORIGINAL CREDITOR and she told me to call the collection agency and let them know that I paid them and it was no longer a valid debt for them to attempt to collect on so they could remove the collection account from my credit reports. When I called Penn Credit Corp to let them know what the rep from XXXX said, they told me they could only update is as paid in full. I NEVER paid Penn Credit Corporation and I am fully aware that under the FCRA AND FDCPA that my rights as a consumer have been violated. Them reporting that I paid them in full for the collection account is reporting inaccurate information because I NEVER paid them any money at all nor will they have any record of the payment in their payment processor. I am requesting that this inaccurately reporting collection account be completely removed from my credit reports.
07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85747	Web
On XX/XX/2021 and XX/XX/2021 I was notified by XXXX that the debtor Penn credit reported a debt of {$1000.00}. I contacted Penn credit on XX/XX/2021 to dispute the debt and explained that the debt was not valid as I never lived at the address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Penn credit stated the debt was created XX/XX/2021 for the original creditor ( XXXX XXXX XXXX ) I and was sent to them on XX/XX/2021 I explained that I never lived at this address and was asked to provide documentation. On XX/XX/2021 I emailed Penn credits compliance department with my lease showing where I resided at as of XX/XX/2021 and also let them know I just recently moved into a new residence ( XXXX XXXX XXXX XXXX XXXX XXXX az XXXX ) as of XX/XX/2021 and if needed I could provide that lease as well. I never heard back from Penn credit but was again contacted by XXXX to let me no my dispute was closed and was found to be valid. I have never resided at this address nor did I create a bill using utilities for this address or give anyone permission to use my information in attempt to obtain Or turn utilities on in my name
04/10/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32817	Web
I received a collection notice letter today, XX/XX/XXXX ( letter is dated as XX/XX/XXXX ) by Penn Credit Corporation, saying I owe {$840.00}. I had received a similar letter by them in XX/XX/XXXX regarding a debt about a car I have never owned in a state I only lived in when I was XXXX years old. When I called them, they asked me odd questions, such as if I had bought a car in a different state, if I smoked tobacco from another state or if I've won the lottery or gamble. In both letters I've received from Penn Credit, My last name is incorrect. I'm not sure if this is a case of identity theft or not, but when I contacted them, they told me to contact the IRS to dispute this debt. This debt isn't from the IRS and doesn't make sense. However, I did call the IRS in XX/XX/XXXX and they could not help me with this. I'm not sure what else I need to do, since I've begun to receive this debt notice, once again. I did email them today ( XX/XX/XXXX ) to dispute this claim. I'm hoping it is settled, however, I've read a number of disturbing complaints against this company regarding false debt collection.
12/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29650	Web
On XX/XX/18, I received an update from XXXX that a new negative payment had been added to my credit report. Upon investigation, I observed that Penn Credit Corporation had reported an account as unpaid in collection. I immediately filed a dispute, indicating that I had never had any written contact from Penn Credit Corporation that I could respond to with written dispute, and to inform that I have never lived in Florida, nor have I ever had any relationship nor ordered nor received any services from the company in question in the underlying account ( XXXX XXXX XXXX XXXX / XXXX ). Although XXXX investigated the dispute, Penn Credit Corporation continued to report the item, despite never contacting me nor providing any written validation of debt from XXXX. I continue to dispute this item with XXXX, with Penn Credit Corporation, and with XXXX XXXX XXXX XXXX, and will not be held liable nor responsible for this claim. This item has made the rounds of several collection companies over the past years, and has been debunked and disputed each time, and will continue to be.
07/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19604	Web
( was not allowing me to add my social in the last page my last XXXX of my social is XXXX ) On XX/XX/2022 I sent a collection company ( Penn credit corporation ) a dipute letter request evidence of contract since I never had a debt with this company the letter was sent certified mail with tracking number XXXX ) the company failed to send the requested information and is still being reported in my credit and is causing me to fail to complete the purchase of my house. I contacted the company multiple times and they assure me since they didn't have enough proof of the debt being mines is deleted from there collection agency they provided me with a ref number XXXX. I asked for a letter of deletion and they are giving me the running around. I disputed the debt with all the Bureus and XXXX wrote that the debt was verified as accurate?? How is that correct when the company didn't provide the requested information in a reasonable time and also asure me the debt is deleted? Please help me with this matter because this can harm me very seriously and it's a fraud what they are doing.
08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07901	Web	Older American
The company sent me a paper bill on XX/XX/XXXX. This was AFTER the bill was paid. I logged onto the company website ( Penn Credit ), and the message said I had to contact the office to pay the bill. Upon calling the company, I was directed to an automated line that tried to sell me automotive breakdown services without my consent. I explicitly selected the option to decline this offer and was connected to an automated line that ushered me through the process of signing up. When I repeatedly said " No, No, No, No '', I was disconnected. When I called back to try to pay the bill, the woman told me the bill was already paid. I then inquired why the company sent me a bill AFTER the bill was already paid, and she said, " it was already in the mail ''. How is this possible if the bill was already paid? As an senior in my XXXX 's, I do not appreciate people trying to scam me to pay bills more than once. I want to file a complaint so that they STOP! Bill paid : XX/XX/XXXX Confirmation Number : XXXXXXXX XXXX sent again : XX/XX/XXXX Spoke with XXXX XXXX XX/XX/XXXX @ XXXX
06/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
On or around XX/XX/2021 It came to my attention that my Penn Credit Corporation a debt collector that I had never heard of, had added negative Items to my consumer reports. I was a little confused because I had never communicated with Penn Credit Corporation nor had I had done business with them. This is an attack on my right to Privacy as Penn Credit Corporation has my ( Non Public ) personal Information that I did not give to them nor did I give them permission to have. In addition they have committed Identity theft as they have used my ( Non public ) personal Information that they are wrongfully in possession of to access and place negative items on my consumer reports without my consent. This has harmed my reputation ( Violation of the FDCPA ) as defined by Congress in the FCRA and I demand that Penn Credit Corporation fix this immediately. I do not want to have to to sue Penn Credit Corporation in federal court but I will If we can not get this resolved in a timely matter. Penn Credit Corporation may call me to facilitate resolution and for no other purpose.
11/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20002	Web
On XX/XX/2018, I received a letter from Penn Credit Corporation informing me that they were attempting to collect a debt from the City of XXXX for an unpaid parking citation. The letter itself provided a violation description, tag number, violation date, citation number and balance. Upon calling Penn Credit I was informed that there were two parking citations referred to them by XXXX XXXX. I do not ever recall receiving a parking ticket on from XXXX XXXX that went unpaid. Additionally, I never received from XXXX XXXX any notification that these tickets were unpaid and subject to be referred to debt collection. On XX/XX/2018, I called Penn Credit to dispute these debts. Without information regarding where the ticket was given, the reason for the ticket, and proof of a violation, I do not see this as a valid debt. When I told the Penn Credit representative this information, she told me that a simple list of the reason for the debt sent to me was enough proof to make it a valid debt. I do not believe this is a fair practice or even a legal one for that matter.
05/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 443XX	Web
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed them XXXX on a previous address I did not live in since XX/XX/XXXX of XXXX. I paid all my bills once we left and never was aware of an unpaid bill until I received an alert on XXXX XXXX. I then received the letter. I responded to the letter and mentioned why did they report it to my credit reports then send out a letter and not let me take of it after I researched if I owed it or not and if I owed it I would pay it. They reported me without giving me noticed or 30 days to resolve it. After speaking with them the next day I called to resolve as I could not find anything that far back that I paid it so I told them if they send a letter stating they would delete from all 3 credit bureaus I would pay it. They agreed and sent me the letter then I paid it on the XXXX of XX/XX/XXXX. I have attached proof. I have tried to dispute but they came back Verified and not changes????? But, if they did they would see the letter I sent from them and payment? Please remove from all credit reports. Thank you!
02/22/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 226XX	Web
Caller was professional and did not use abusive language or call to frequently. My problem is they demand that i disclose my Social Security Number and refuse to verify my identity any other way. The Privacy Act of 1974 as well as Virginia 's Protection of Social Security Numbers Act make it unlawful to deny any service for refusing to provide my Social Security Number. The Creditor is stating they are associated with collecting a debt of {$XXXX} from Virginia State Taxes. I have attempted to contact the Virginia State tax office however, the phone has never been answered for my numerous calls. Seem there is no way to contact anyone at the tax office. It seems very strange and suspicious that a state tax agency would place {$XXXX} to a private collection company based out of state ; that is either unfamiliar with the law or disregards it. This is such a minor amount of debt that I had thought was already paid as I do every year. The collection company is called PennCredit corporation located at XXXX XXXX XXXX XXXX, PA XXXX with a phone number of XXXX
08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 086XX	Web	Older American
I had already thought I settled this with XXXX because they kept sending me bills for products I had already paid for in full. I sent you the invoice numbers and all of the information I still have on hand to proved I paid. They tried this before using XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX NY XXXX. The notice was sent on XXXX XXXX, 2016. The notice stated that I owed {$82.00}!!! I wrote to CFPB and it was settled. Yesterday, I opened the mail to find a NOTICE OF COLLECTION from a place called PENN CREDIT! The client listed is : XXXX! AGAIN! These items have already been paid for and I am not paying for them again. They have a list of service dates, account numbers, and balances that total {$59.00}! The XXXX billing staff must be the most incompetent people that ever existed. Whoever they are ... they need to be replaced. Until then, buyers beware of making purchases from XXXX ... do n't do it. If you already have, keep all of your documentation because they will try to double, triple, quadruple bill you for what you have already paid.
05/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33543	Web
Called XXXX XXXX XXXX XXXX XXXX ( account XXXX ) & paid the {$130.00} on XX/XX/19 confirmation # XXXX. Emailed payoff proof to Penn Credit Collections Agency on XX/XX/XXXX. XXXX XXXX XXXX has notified Penn Credit on XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX that the payment was satisfied XXXX XXXX XXXX closed the case. My issue is that I am working with XXXX and opened a dispute/investigation so that XXXX can contact Penn Credit. According to XXXX, Penn Credit refuses to verify that debt has been satisfied from XXXX XXXX XXXX in order to remove my negative payment from the credit bureau. Waited another 2 weeks opened up another investigation/dispute with XXXX to contact Penn Credit and still they refuse to acknowledge that payment has been made, hence XXXX can not remove my negative from my credit. Penn Credit however did acknowledge through CFBP that they received verification from XXXX XXXX XXXX utilities that payment was satisfied and that they would closed the case which doesn't seem so. This is dishonest and disturbing, ethically wrong.
08/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I am getting letters in the mail and phone calls from Penn Credit that show the debt to XXXX XXXX XXXX in XXXX, Arizona. However, I never had any debt, the balance on my XXXX account is XXXX and I always paid all my utilities way before the deadline! When I am getting phone calls from Penn Credit, representative refuse to tell me what they are calling about, but request me my sensitive personal information, like my address. Obviously, it is not save to give my sensitive personal information to somebody who call me for unknown reason. I believe that by such request Penn Credit violates the laws that protect my identity. The last such call from Penn Credit with described scenario happened today, XX/XX/2018, before noon of XXXX XXXX XXXX. When I am calling to XXXX XXXX company to resolve this issue, they pretend to be an idiots, are totally unqualified to help me with this issue, and do not make any notes about my phone calls on my XXXX account, so next time XXXX representative do not believe me that I already called them about this issue!
11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11434	Web
I made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. Upon belief and information, this account has been paid in full as agreed by both parties. WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.
06/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32304	Web
The company placed a debt on my credit report I called to settle debt, ask if they would do a settlement and they told me they would. I asked could I receive the settlement offer in writing they told me a supervisor prepare the letter and they sent the letter once I received the letter. I called them they told me I had to pay the settlement offer in full I could not make payments so I paid the amount which was {$640.00}. They told me it would take a couple of days to process my payment. I waited 3days and called back to see if I could get a paid in full letter, I was told that I had to wait 10 days. After the 10 days I was told I could not receive a paid in full letter because the letter should not have never been sent to me and they could only report that I still owe XXXX. I did what was required of me know the company is reporting on my credit file that I still owe this debt. I have provided proof to the credit bureaus but they believe the company. The company says I still owe them. This is not professional. Unethical.
07/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 988XX	Web
I had contacted this debt collector 6 months ago, they have a client of the State of Maryland Comptroller that is saying that I had a debt or a return filed back in 2012 with the state of Maryland. I told them that I did not ever live in Maryland and was a victim of fraud. They told me to contact another number and I did all the steps and filed a police report. Everything was suppose to be taken care, but I just received another bill from them and so I called their number and the gal was very rude and kurt with me like this was my bill. I told her that I dealt with this over 6 months ago and did everything with the state like they wanted and it was not my bill and I was a victim of Identity theft. She basically stated that she could not do anything about it and I would have to call the state of maryland and go through all the hoops again and that she couldnt do anything. I HAVE BEEN A VICTIM OF FRAUD AND WANT THIS TAKEN CARE, but no one seems to hear what I am saying. I Have NEVER lived in maryland or worked in maryland
09/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10456	Web
I received by mail a notice of collection from a company ( PennCredit Corporation ) I never had any comercial relationship representing an Utility company ( XXXX ) for a debt ( XXXX dollars ) in an address I never requested or had any contract for electricity.. I never received any call, just a letter dated XX/XX/XXXX in which they ask me to dispute the validation of the debt but today XX/XX/XXXX I received a notification from my credit monitoring indicating that PennCredit Corporation already put this account in my credit report in clear violation of the FDCP.. Less than a week of receiving a letter and they are asuming this debt belongs to me without giving me the oportunity to reply according to the regulations for collections company number XXXX in the consumer affair of New York XXXX Also the Credit Bureau and PennCredit are hurting my score by placing false information in my report ... PennCredit Corporation violate my right tp request validation of debt in writing and placing a false debt to my credit report.
07/14/2017	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	VA 23608	Web
This complaint concern a collection item placed on account through Penn Credit for a XXXX XXXX account. The account balance of {$340.00} was paid on XXXX XXXX, 2017. I requested that the item be removed from file because it was paid and an old account. I was told by the Senior Manager XXXX XXXX that he could not remove the account as it had to remain on the credit file for 7 yrs. This information was not completely accurate as I was told by the credit bureaus that the collection agency can in fact request them to delete the information. Even though collection items can remain on the file for a time period of 7 yrs., the items can be deleted. I believe XXXX XXXX practice on behalf of Penn Credit is deliberately an attempt to further jeaopardy the credit of the consumer and in retailation. As I was told by one of the account reps. that i could request the account to be deleted once it has been paid. However when i spoke to XXXX XXXX he stated that this was not the case. XXXX XXXX attitude was rude and obnoxious.
12/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89506	Web
Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. FDCPA PENN CREDIT Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. Dispute Reason Ownership : I have no knowledge of this account. Dispute Results From XXXX : XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX
12/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33181	Web
I received a traffic citation from XXXX County on XX/XX/2019. I paid the traffic citation in full in the amount of {$160.00} on XX/XX/2019. Recently, on XX/XX/2019, I received a collection notice in the mail from Penn Credit Corporation. They claim that I have an outstanding balance with XXXX County Clerk of {$62.00}. I responded to the notice by calling the number provided to explain that I had already paid the amount in full. They asked that I sent proof of payment. I proceeded to email a copy of my receipt from XXXX County. And today on XX/XX/2019. I received a phone call from Penn credit stating that the receipt I provided was not sufficient enough proof of payment of my traffic citation. Now, they are asking that I send over copies of my credit card statement showing that the funds were taken from my account. I believe this is a scam because I have not received any correspondence from XXXX County stating that they have not received my traffic citation payment. It seemingly went straight to collections.
10/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47374	Web	Servicemember
I have attempted to resolve the debt from XXXX XXXX XXXX XXXX XXXX that Penn Credit is inaccurately reporting to all three credit Breaus. After emailing XXXX XXXX XXXX XXXX XXXX XXXX that the debt was not mine and showed That I was not the owner and provide residency thru the XXXX to back up my statement that I did not lived there they responded was.. In order to access or release information from your account, or to make any changes, we are required to verify the electric bill account number. If your account is security code protected, it must also be verified. Your account number may be retrieved online through your Account Summary. If you are unable to provide the required information, please contact our Customer Operations Center, available 24 hours a day, at XXXX After attempting to dispute it with Penn Credit as well they refused to remove the inaccurate data and claimed that the original debtor had validated it and refused to investigate or show proof of a contract with the original creditor.
01/26/2021	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	NC 28412	Web
I have never missed a payment or a bill with any company and i noticed in XXXX of 2019 that i had a collection on my credit report from a company that i had used for water. I never received a bill from them when my service ended or i would've paid it immediately so it never should have been on my credit report to begin with but when it came to my attention i immediately called them and paid it. The lady on the phone assured me that by paying it it would be removed from my credit report. It never has been and every time I call them to ask why they tell me that it shouldn't be there and even the people at XXXX tell me that since they've been paid that it should no longer be on my credit report. I have tried repeatedly to get this removed by talking to the company and by sending disputes to the credit bureaus themselves but had no success. Please help me as this is keeping me from getting the best rates on a home loan currently. Thanks for your help. Anything you can do would be greatly appreciated.
02/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33415	Web
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. XXXX/ XXXX this only show in XXXX was added on I dont owes this company any money please I will report it to Consumer Financial Protection Bureau also I will send a copy of this letter to them This company showing two time in my report from XXXX XXXX/ XXXX XXXX this account was paid off and closed please update never late why it showing in my report Penn Credit Corp Please have them remove this from my credit Also please update the following information which I saw your credit bureau to be missing or incomplete
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02138	Web
I found a new debt-collection remark ( {$160.00} ) on my credit history on XX/XX/XXXX and I realized it was from XXXX XXXX XXXX XXXX same creditor- for the same account opened due to identity theft XXXX years ago. I contacted XXXX XXXX and reported the identity theft issue in XXXX and XX/XX/XXXX. Their debt collector agreed to remove the fraud debt collection record. But this year, XXXX XXXX once again posted the same fraud bill on my account. The previous incident is below : I found a debt collection record of {$160.00} in my credit history on XX/XX/XXXX. The creditor is XXXX XXXX, a XXXX power provider/company. The debt collector is XXXX. I contacted XXXX XXXX and was advised to file a police report and provide utility bills for my apartment in XXXX. I faxed all the required documents to the provided number ( XXXX ) on XX/XX/XXXX, but have not heard back from XXXX XXXX. I filed a complaint on CFPB ( ID # XXXX ) and the debt collector removed the debt collection record on XX/XX/XXXX.
05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
Penn credit called my employer and left a message for me. They also called my personal cell phone number saying my ex-husband owed a debt. I told them my ex-husband couldn't be reached at my number. I contacted my ex-husband and forwarded the number to him. My ex-husband called Penn Credit. He asked for specific information about the debt and the rep he spoke to refused to give him specific information about this so-called debt he supposedly owed. Penn Credit wanted him to confirm his personal information and said they couldn't disclose any information about the debt due to third party confidentiality rules. Penn Credit then told him that he would need to call back to get specific information about the debt but he wouldn't be given any information until he gave them his personal information. I'm not sure if this is a legitimate company but aren't debt collectors required to provide specific information about the debt when they initially contact individuals to try to collect the debt?
01/21/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 15146	Web
Penn Credit Corporation at phone number XXXX has called me 44 times from the period XXXX/XXXX/XXXX thru today 's date of XXXX/XXXX/XXXX. I only started tracking the calls on XXXX XXXX when I realized there was a problem. When I answer the calls, a machine states " if you are this person, press 1 ; if you are not this person, press 2 ''. Nothing else. They do n't even mention the name of the person. I have not pressed either 1 or 2 as I am afraid it may be a spammer. I have researched this company and it is apparent there are many consumers and individuals also dealing with this company and harassing, repeated calls. I have no known outstanding debt, a great credit score, and have received no notices via mail or overnight delivery regarding outstanding bills from Penn Credit or any other company for that matter. On some days, I receive calls from Penn Credit Corp. two or three times. No messages are left. I am being harassed by this company and I want it to stop. Immediately.
02/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA XXXXX	Web	Servicemember
when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX XXXX discretion. If my information would have never been " hacked '' or " breached '' by XXXX I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
11/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WV 253XX	Web
I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt
07/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60621	Web
The Account was in name relocated to another city did n't not know the account was still open, I close the account and put in for a change of address, but never received any billing or no one tried to contact me before sending my name to a collection agency. The collection did not try to contact me ever before, sending my name to the credit Bureau. Once I found out I paid it in full because I was in the middle of getting a mortgage. Explain to the company my issue and they did not care. I was meant with the rude Customer Services and Managers. I call XXXX and they told me to have the company to send them an electrical removal to remove it off of my credit report and they did not care. I even call the company that gave them my name and they said it was ok for them to remove my name because they no longer had a contract with the company, but not thing helped. The company even when as far to send me account to show a XXXX balance so that they can remove the account.
07/12/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21701	Web
Received notification that I was in collections for an unpaid medical bill. I moved from XXXX to XXXX, but not all of my mail was forwarded. I was in contact with XXXX XXXX XXXX as there was overlap in their billing and my paid deductible. While XXXX had all my contact information they chose not to contact me and sent the debt for collection through PennCredit in XXXX, XXXX. Despite what XXXX and my Insurance carrier have provided I wanted to keep my credit in good standing so I agreed to pay $ XXXX. To date I have sent several payments, XXXX was returned by the USPS as undeliverable ( I later confirmed the address was correct ). Penn Credit refuses to change the balance due on my account, my emailed messages to their representative go unanswered and a telephone call initiated by me to solve the issue was interrupted by a supervisor who used bullying tactics so I ended the call. To date no one has contacted to me nor has the balance due changed on my account.
03/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 17602	Web
For the past few months, I've been writing letters to Penn Credit requesting verification of this account. I even filed a complaint with you last month asking you to enforce my right to dispute and receive validation of the debt. I have received no response at all from Penn Credit, and now I know why. ALL the mail that I've sent to them was returned to me, in bulk. ALL of it. They moved, and they did not update their address with the credit bureaus, which is a requirement under the FCRA as they have to report 100 % factual information to the bureaus, if they are going to report at all. They have violated my rights granted under the FCRA, FDCPA, and FACTA, all by reporting incorrect information to the credit bureaus! Last month, I demanded justice, this month, I make the same demand. FIX THIS NOW! I have attached a credit report from the credit monitoring service that I am enrolled with, which clearly shows an address that they are no longer receiving mail at.
09/20/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30126	Web
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10031	Web
On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.
12/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AR 71854	Web
The collector is harrassing me over a debt that is not mine, although I did recieve services from XXXX they did not send the bill to my insurance company within the alloted time frame and now are after me for collections.I have had the same employer for 17 years and before this dispute my insurance had paid for their services 4 times prior to this.I have a name of the person at XXXX who did not file the claim right.I contacted my insurance carrier and they said that they were never billed for the services at quest diagnostics on this occasion.I have tried numerous times to explain to these people but they will not listen to me, I even went as far as getting a rep from XXXX XXXX XXXX XXXX talk to quest and informed them that the statue of limitations ran out on their bill so because of XXXX diagnostics mistake they have messed my credit up and have really cost me as far as loans go, is there legal action that I can take against the collector? XXXX
08/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02127	Web
To whom it may concern, I have contacted the company Penn Credit and requested a debt validation letter about 6 weeks ago and still have yet to receive it. I never received written notice from the above company and found them through a 3rd party so this request is vital as I do not believe I owe this debt. They have not been able to verify the debt nor verify they have the right to collect on that alleged debt. This is very important to me as a hold was placed on my car registration and I legally am not able to drive it and when it is parked on the street, I am been given countless tickets. It is very difficult to have only one vehicle to drive between my wife working full time and I working full time and having a XXXX year old daughter. I do not know where to turn but have read online that filing a complaint may help. Any assistance that could be provided will be greatly appreciated. Thank you in advance for your help. Best, XXXX XXXX
09/20/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 183XX	Web
Penn Credit Corp contacted me at my employer a few weeks back. This was after repeated phone calls on my cell phone previously. I told them they ca n't contact me at this number, as it 's a business line. My employer does n't allow phone calls not related to the business. On the XXXX/XXXX/XXXX they once again called me at my work. I once again informed them they ca n't use that number to contact because it 's not allowed and had to end the call before I got caught. Tonight, XXXX/XXXX/XXXX they once again called me at my employer around XXXX and I explained for a third time they ca n't call me at this number and how it 's not allowed. The woman tried telling me nobody contacted me before and nobody was told they ca n't use this number. I checked my XXXX XXXX report and they reported they had contact with me and lied saying resolved and that I disagree when we were never discussed anything besides the line they were calling me on is forbidden.
05/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07206	Web
OnXX/XX/19 I received a credit report alert stating that Penn Credit has placed a collection/charge off in the amount of {$120.00} with an assigned date of XX/XX/19 on behalf of XXXX XXXX/XXXX. This collection was also on my credit report under XXXX XXXX XXXX back in XX/XX/2019 and was deleted off my report on XX/XX/19 around the same time Penn Credit stated it was assigned the debt. I spoke with a customer service rep at Penn Credit on XX/XX/19 and stated I never received a dunning notice or any other communication in regards to this debt that appears to have been transferred over. She replied that a notice was mailed out onXX/XX/XXXX and that I should receive it in the mail any day now and that attempted to call a phone number which was not mine. Penn Credit placed a negative collection on my report before I could sent a DV letter in regards to this matter. I have paid the original creditor XXXX XXXX/XXXX and do not owe Penn Credit.
05/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33433	Web	Older American
I received a collection notice from the company. I paid it, in full, on their website. It took them 2 days to process the payment, and then their website showed paid in full. The client 's website then showed that the payment was NOT in full, and that there were other fees, and amounts still due. When asking the collection company to provide a " paid in full '' letter, they declined, and told me to pay their client the balance claimed. Not only have they misrepresented the amount due, but would not stand behind it, when it was paid in full - classic bait & switch. It is fraud. To settle an account with full payment, and then to pull this kind of stunt is illegal, and they should be sanctioned. The client of XXXX XXXX XXXX is XXXX XXXX ( XXXX ) Clerk of Courts, for the payment of a traffic ticket. The amount paid was in a written letter, and as appeared on their website. It stated that the full amount must be paid, which was done.
02/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32309	Web
I have recently discovered a collections account on my credit report for {$1500.00} originally owed to XXXX XXXX XXXX XXXX. The current collections company is XXXX XXXX XXXX. The report also states the account was opened XX/XX/XXXX. I had an account with the XXXX XXXX XXXXXXXX utilities that was opened in XXXX XXXX XXXX and closed in XXXX XXXX XXXXXXXX in which I arranged a deferral of payments until the water and gas audit at my rental home was performed. I had emailed the director about this several times and spoke with his assistant whom assured me the utilities wouldnt be cut off while it was being investigated. Due to the excessive charges and the audit that was never performed, along with many other problems, I tried to close my account with no luck and informed the officers at the code enforcement department. I didnt receive a single email, phone call, text message or letter or bill in the mail after that and I moved out.
06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
Penn Credit Corporation recently posted a derogatory collection notice on my credit report for the amount of {$430.00}, supposedly on behalf of XXXX XXXX. I've never heard of Penn Credit, never had an account with them, and have never been contacted by them. Further, if Penn Credit is indeed a legitimate company, I've not had an account with XXXX XXXX since XX/XX/XXXX and had paid my actual usage balance in full at that time. The only prior debt that XXXX XXXX had alleged I owed was from XXXX, and in XXXX I sued XXXX XXXX in XXXX XXXX XXXX XXXX XXXX and it was proven XXXX XXXX was completely unable to substantiate this supposed debt with any evidence or proof. The judgment was ruled in my favor. Therefore either this debt collection attempt is outright fraud, or it's XXXX XXXX 's pathetic attempt to collect a debt that was dismissed in court XXXX years ago and Penn Credit Corporation has been lied to by XXXX XXXX.
10/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30106	Web
I have contacted this company XXXX XXXX and three different collection companies regarding a debt bill for XXXX XXXX and although the debt was a result to identity theft when they first contacted me to pay it with XXXX and XXXX XXXX ( I thought it was a law firm for a parking ticket and scamme me into paying it ) I did, then it was resold to XXXX XXXX and I explained to them that I paid it and then it was resold again to Penn Credit Corporate now reporting under XXXX XXXX for {$120.00}. I went back and contacted the collection company XXXX XXXX XXXX that I paid and they said that I no longer owed the debt and verified but they are not required to contact XXXX! This debt is continuesly being resold and is tarnishing my name! XXXX Manager stated to me that she can not do anything about it when I submitted proof and identiy afidavits as well as police reports. I do not owe this debt and it needs to be removed asap!
08/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33311	Web
Went to Hospital XX/XX/XXXX because of an accident which was not my fault and is still in litigations later receive a bill which was paid by my my insurance with a balance left of {$150.00}. In XX/XX/XXXX I receive another bill for {$2100.00} from Penn Credit my Lawyer sent all supporting document to the company to have removed they later sent to credit bureaus. The company continues to update the collection with the credit bureau we have disputed it 4 times and sent in supporting documents showing that I only owe the hospital {$1000.00} which was still in litigation because of a Lawsuit. XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX have been updated experian, XXXX have removed from my credit but XXXX ask me to speak with the collection company which I have Twice and the consistently update the account as me owing {$2100.00} also they told me that the hospital share my information with them violating florida HIPAA LAW.
07/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22314	Web	Servicemember
In XXXX I attended two courses at XXXX XXXX University. XXXX XXXX XXXX was supposed to take care of the payment for the two courses which totalled {$1500.00}. They did not due to a time difference for the approval. The payment fell to me. I was unware of the debit. In XX/XX/XXXX my credit was run and a debit in the total of {$1500.00}. Penn Credit held the debit and did not inform me of the debit. I reached out to them to figure out the situation. Again, they never once reached out to inform me of the debit. I then tried to ask them to remove the debit from my credit score due to there innability to follow the FCRA guidelines to inform me of the debit. They refused and quoted only medical debits can be removed. I have paid the debit in full and am trying to now remove it from my credit history because of two different institutions ability to inform me of the debit before it had gotten to a collections point.
02/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	PA 170XX	Web
On XXXX XXXX, 2016, PennCredit generated a notice regarding a {$36.00} per capita tax payment on behalf of the township in which I reside. I received this notice in my mailbox the week of XXXX XXXX. PennCredit has since contacted my father 's place of business by telephone and disclosed the debt in a voice message. I believe this constitutes communication with a third party regarding my debt. I had not communicated with PennCredit or represented my father to be my agent nor my attorney in the context of this debt. I believe this represents an aggressive and unfair debt collection practice. In the written notice I received from PennCredit, the company discloses that I have 30 days to address the debt. Yet within a week 's time, the company is contacting a third party by telephone to collect said debt. I am unsure if PennCredit has reached out to other third parties in an attempt to collect this debt from me.
12/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27511	Web	Older American
Attempt to collect by XXXX XXXX XXXX XXXX ID : XXXX Original Dept : XXXX XXXX XXXX. XXXX XXXX : XXXX Date XX/XX/2008 This is an attempt to collect a fine on a car we do not own. We have NEVER registered a car in XXXX. We have never had a XXXX license or plate. I have asked XXXX XXXX and each debt collector to show the address on the registration card for the Car with the license plate in question. I have never received a response, only more harassment. I'm tired of this! In 2008 there was a company in Florida named " XXXX XXXX XXXX ''. I looked it up on the internet when I first received the notice. My son also had a company in XXXX with the same name. XXXX XXXX apparently could not collect from the XXXX company so they accused us of not paying the fine. As per XXXX XXXX, I have sent drop dead letters to every company attempting to collect but they keep passing it on to the next company. THIS MUST STOP!
03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 17055	Web
My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.
09/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 40508	Web
Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com XXXX.
08/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 415XX	Web
PennCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PennCredit sent a demand for payment dated XX/XX/XXXX in the amount of {$290.00} from XXXX XXXX XXXX. I have a Final bill from XXXX XXXX in the amount of {$79.00} dated XX/XX/XXXX. This has went through several companies and each one has dropped it because of lack of proof. In XXXX XXXX XXXX admitted a glitch in their billing system and couldn't find what the extra on the bill was for, but has continued trying to collect an amount way over actual amount owed. PennCredit decided to turn it in to all three credit reporting agencies without proof of debt. Responded with a dispute letter but said they never received it and was possibly due to a recent address change. Turned the unproven debt into all 3 reporting credit bureaus before I could answer their demand. Brought my credit score down 50 points seriously damaging my credit score.
12/10/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07080	Web
I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.
05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AL XXXXX	Web
This debt collection is related to a disputed water bill with the City of XXXX. The original dispute was filed in XXXX and has not been resolved. Timeline of the dispute is : Bill disputed was XXXX/XXXX/XXXX Original dispute was sent via e-mail and phone call XXXX/XXXX/XXXX Told to contact department via phone which I did. Was told to wait while the bill was disputed XXXX/XXXX/XXXX - Sent e-mail that the bill was being review by billing department Follow up sent on XXXX/XXXX/XXXX E-mail received from watershed management on XXXX/XXXX/XXXX informing that the " Your account has been expedited to a Customer Service Manager for further review. Once your account has been reviewed you will receive an e-mail with the results '' Another follow up sent on XXXX/XXXX/XXXX Left property on XXXX/XXXX/XXXX Collection filed by the City of XXXX on XXXX/XXXX/XXXX. Did not receive notice of collection.
08/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08648	Web
XXXX placed me into collection for a balance due. Penn credit corp is the collection agency. XXXX have found that a large portion of the debt is fraudulent. I paid the small amount that they said I owed although I dont believe I did. Penn credit did not adjust the balance due or the payment and continue to falsely report it delinquent on my credit report even though Ive asked them to update the records to show that the account is not delinquent. I was also told to dispute the amount in writing. I did and received no response. I was also told verbally that they couldnt provide me with proof of the debt because it went back more than three months and they could not get invoices older than three months. This fraudulent report caused my credit report to drop 45 points. My credit lines were lowered which further dropped and the interest rate on my student loan increased from 6 % to 9.5 %.
07/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21244	Web
I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.
06/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV 255XX	Web
I have received multiple calls from XXXX - Penn Credit Corporation. They always hang up if I answer the phone, but if I do n't answer the phone they leave an automated message telling me to call them back about a debt that is owed. When I call them back they refuse to give me any details of the debt unless I provide a variety of personal information about myself. I refuse to do that as I believe their company is conducting some sort of a scam. I told them I do n't owe any money and I pay all of my bills. I have n't received anything in the mail regarding a debt. They ask for my mailing address. I do n't give it to them because I believe this is part of the scam they are perpetuating. I have looked them up online and all of the comments seem to point to the same conclusion - scam. Please have them stop calling me, and if possible shut them down before they rip any more people off.
10/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19601	Web
I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and penn credit " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? first off ive read on line that having a letter in the account number is a violation of metro 2 5 points of compliance yet both the account numbers contains the letter C in them, the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .there are multiple violations..there is no way that penn credit, the original creditor or any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.
07/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10128	Web
In XX/XX/XXXX-XX/XX/XXXX, XXXX erroneously charged me an overage of $ XXXX for electrical power due to their miscalculation. This was not the first time XXXX had miscalculated an error. But in the past I 'd paid it and moved on. This time I refused, so I filed a claim in Small Claims court since I could get nowhere with their internal customer service department. This overage has been discharged, and I 'm no longer their customer. However Penn Credit ( penncredit.com ) has gotten hold of this invalid claim and refuse to let it go. I 've tried emailing and postal mailing them to alert them they are attempting to collected an invalid debt, but my notices have been ignored. Instead they continue to send me threatening letters and they must be stopped. I will not have my credit ruined over something that was XXXX 's mistake in the first place. My " debtor ID '' with them is XXXX
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48221	Web
On XX/XX/2022, I sent a certified letter to Penn Credit Corporation Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from Penn Credit Corporation dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
01/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75038	Web
I received a Notice of Collection dated XX/XX/XXXX from PennCredit Corporation regarding Creditor : XXXX XXXX XXXX ( ID # XXXX ) in the amt. of {$240.00} for a " delinquent utility bill '' - Service date : XX/XX/XXXX Account : XXXX. This debt is not mine and this company has violated my FDCPA and FCRA rights : # 1 - I have not lived in MD, nor had an account with XXXX XXXX since I moved to another state over 11 yrs ago. # 2 - I have not owed property in MD since I sold my townhome almost 5 yrs ago. # 3 - Finally, PennCredit 's website indicates they report to the Credit Agencies and is a member of XXXX, thus creating a potential long term impact on my credit score. I do not know if PennCredit Corp. " Skip Searched '' me themselves or if they outsourced to a Third Party with equally poor quality standards but this type of shoddy work should not be tolerated.
05/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08865	Web
Hello. This is a response to a listing on my credit report. Please be advised that Penn Credit Corporation has reported " invalidated information '' to the credit bureaus ( XXXX, XXXX, and XXXX ). This may constitute fraud under both federal and state laws. Also a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. On XXXX, XXXX XXXX XXXX placed an account with XXXX XXXX XXXX on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number : XXXX ). This year ( XXXX ) CONSOLIDATED is trying again to place this account on my file ( for collection ) with a different collection company ( PENN CREDIT CORPORATION ). I am prepare to take legal action if this information is not removed from my credit file. Please assist. Thanks.
08/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 337XX	Web
The debt was a result of an unpaid ticket citation from XXXX XXXX, Florida from XXXX/XXXX/XXXX. It was a red light camera ticket so no XXXX gave me a ticket. I never received a ticket in the mail, so I have no idea that I had a ticket. My license got suspended because of the unpaid ticket. I was not aware of the suspended license until I was pulled over by a police XXXX. I found out that the ticket was XXXX. So I sent a check out XXXX XXXX. The check went to XXXX XXXX XXXX XXXX XXXX and Services, XXXX. Box XXXX in XXXX, Colorado XXXX check was never cashed so I called the Clerk of the Court in XXXX XXXX XXXX I found out the ticket went to a collection agency, XXXX XXXX in XXXX, PA. I was never notified by XXXX XXXX that they took over the dept. XXXX, the XXXX turned into XXXX XXXX what I now owed XXXX. In addition the check was never cashed, at least not yet.
01/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33441	Web
To whom it may concern, after receiving an alert from my consumer monitoring service, I contacted Annual Credit Report and got a copy of my consumer reports from XXXX, XXXX, and XXXX. As I checked my consumer reports, I noticed an alleged medical collection from XXXX XXXX XXXX whom I never received products nor services from. Not only is it a XXXX violation but XXXX XXXX XXXX is in violation of 42 U.S. Code 1320-6 Wrongful disclosure of Individually Identifiable Health Information and violation of 15 U.S. Code 1681 ( a ) ( 4 ) a consumers right to privacy. I contacted XXXX XXXX XXXX to dispute the alleged medical debt threw certified mail sent out XXXX2022 asking for verification of this alleged medical debt and never received anything back from XXXX XXXX XXXX. I now have an alleged medical collection on my consumer report that is ruining my reputation.
08/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18052	Web
hi! I have been trying to raise my credit and I have been investigating what affects me, at the beginning I have contacted some collection companies and I have tried to find out what is the origin of these accounts, some I recognize but some do not. With this company, I tried to identify the origin of the account or validate it, but it only sent me a bill to collect. In the end I gave up calling them and making a payment to pay and delete my account, and they still continue to report the account. I have tried to dispute this account with the credit bureaus and it turns out that XXXX and XXXX are reporting PENN CREDIT CORPORATIO XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX but XXXX is reporting the same account XXXX XXXX XXXX the same balance. Please help me to clarify this problem. I am trying to buy a house and I have been denied the application for this
08/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 610XX	Web
XXXX XXXX XXXX XXXX has never sent me a outstanding bill/debt, I contacted them and tried to resolve this issue many times since it has shown up on my credit report and they have no information when I have contacted them. They do not provide the account number, why there is a outstanding bill, etc. I have asked for info and they have not provided any. There was no balance due when I shut service off when I lived in Pennsylvania, I never owed them anything I even made calls to make sure at one point and was always told my balance was {$0.00}. I am beyond frustrated that after many times of contacting them they still are unable to provide proof that there is anything owed to them from a outstanding balance.Now I have them showing up on my credit report for {$230.00} and they have no reason why. I want this removed as soon as possible. Thank you XXXX
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MN 55106	Web	Servicemember
PENN CREDIT CORP ( Original creditors ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX / {$1700.00} ( Open balance ) Dispute resolved; customer disagrees Last reported XX/XX/XXXX I moved out XXXX of XXXX back to Minnesota because my mother had a XXXX and had to care for her. I called XXXXv to stop my account .. thought they did and never realized it was still active until XXXX of XXXX when I was apt shopping in Minnesota that this was still active .. asked them to help me and do more research and they said all info from XXXX was nolonger available due to new system. Ive disputed this multiple times with no results. Please help remove. The charges are not mine and everything was paid off and should have been closed indefinitely. XXXX XXXX XXXX Amount past due {$1300.00} Charge off Account not mine .. tried to dispute .. they have no access to info..
05/11/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	PA 195XX	Web
Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.
12/19/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OH 454XX	Web
Penn Credit Corp contacted me about someone else 's debt. They called my phone number and asked for someone else. When I asked, the caller provided company name and phone number for a Do Not Call complaint. When I asked what the call was about, the caller initially refused to say anything beyond something like confidential business information, and could not discuss with a third party. However, during this time, I XXXX the company name and the caller confirmed that she is a debt collector -- thereby revealing the person she was asking for owes a debt. Debt collectors put themselves into a conundrum by calling third parties. They can not reveal to that third party that they are attempting to collect a debt, but they also can not hide the fact that they are a debt collector. The only solution is to not call other people in the first place.
09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78739	Web	Servicemember
I keep getting cala from this Penn Credit debt collectors. They first called my husband. While he did not give them my info, they found me eventually. Whenever they call, they either hang up or when they do not, they INSIST on asking me for personal information before proceeding. I have not given any info ( since they ask for address and the like ). The worst is that while the agent on the other end does give a name ( the one that called me today around XXXX was called XXXX ), they just say it is a personal matter and I can not say anything more until you verify your address. The thing is that if Mr. XXXX was an actual debt collector hed be telling me first that this call is an attempt to collect a debt, and any information gathered today will be used for the sole purpose of collecting said debt. However, he does not give said disclaimer.
10/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 920XX	Web
Penn Credit Corp is a debt collector for XXXX XXXX XXXX in MA. I believe my stepsister ( XXXX XXXX ) stole my identity ... she lives in MA and had access to my personal information growing up. We are NOT related by blood or marriage ; however, my mother and her father lived together. I have never lived in MA. I was born and raised in CA and have owned a home in SD for over 15 years. I am a XXXX and earn $ XXXX per year ... I am able to pay my electric bill. the bill from XXXX is for the amount of {$770.00}. Service date is XX/XX/2018 I went through their Identity Theft process and at the end my claim was rejected because they said XXXX is a relative. As stated, that is not the case as our parents never married. XXXX Account number is XXXX for the address : XXXX XXXX XXXX ID Number for PennCredit Corp is # XXXX / Tel : XXXX XXXX
07/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21117	Web
I received a voice message from Penn Credit XXXX about collecting a debt. I have never had an account with Penn Credit I called back and inquired why they called. He asked me to confirm my name and I said yes and then he asked for my address. I told him " XXXX no '', not until he tells me the reason for the call. I asked him repeatedly " Why are you calling me? '' He then proceeded to say that I was talking over him and it is an important matter for XXXX XXXX XXXX. I said if it important, then send it to me in the mail. He said oh this is going in circles. I said it can but you need to answer my questions as well. He then hung on me. Then called me back 2 more times, but my phone app blocked it due to suspicious activity. I looked up the number and saw multiple complaints. I also looked at their website to confirm the phone number.
01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA XXXXX	Web
Today i checked my credit report to find a new inaccurate balance owed to PENN CREDIT CORP for XXXX, i never did business with or had any interaction with Penn Credit Corp. They stated that they are collection agent for XXXX XXXX XXXX, i don't believe i owe them any money either. i am very speechless to find out that XXXX allow anyone to just add negative items to my report for whatever reasons. I will like complete proof and breakdown of how i own such amount, with a signed contract bearing my legal signature, proof of billings statements. I kindly ask Consumer Bureau to really investegate on my behalf to find out what's really going on because my family and i can't continue in this circle of uncertainty, with the mindset that at any time anyone can put whatever negative items on my report without legal rights or proof to do so.
09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 070XX	Web
I began making payments on a debt for XXXX XXXX XXXX with a credit collector named XXXX. The file was pulled on XXXX/XXXX/14. I was then sent a bill from Penn Credit in XXXX of 2014. I called the company and asked them why my balance had not changed. They told me they had no record of payments. I told them I made five payments toward the bill and they told me to fax them proof. I spoke to XXXX and faxed the proof of payment on XXXX/XXXX/14. XXXX told me that the proof would be submitted and investigated and they would contact me with the results. Over one year later I received a new bill from Penn Credit and the balance was reduced by one payment. Instead of wasting more time I am sending the proof to you. I will not make payments until they reflect my true balance. I paid {$620.00} of the debt and should get full credit for it.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 333XX	Web
I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.
12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web
I wrote the collection agency a letter on XX/XX/XXXX regarding an erroneous collection account they improperly placed on all XXXX of my credit reports without properly informing me giving time to respond to the validity of the alleged debt that may does not belong to me. They have failed to provide proof of validation of the alleged debt and they updated my credit profile stating that in the answer to my original CFPB complaint that they sent me a copy of the original bill on XX/XX/XXXX, validating the debt which is false. I have not revived any communication from them once so ever regarding this mater and its been well over 30 days and counting. According to the fair credit act, they are violating my rights and I demand that this debt be deleted from all XXXX of my credit reports immediately upon receipt of this notice.
09/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 483XX	Web
I received a notice of debt from PennCredit on XX/XX/XXXX. I did not receive a notice of right to dispute. The customer service rep said that a notice was mailed to me on XX/XX/XXXX to an address I haven't lived at since XX/XX/XXXX. She said a second notice was mailed on XX/XX/XXXX. I NEVER received the notice. I received the request for payment on XX/XX/XXXX and the placed this collection on my credit report without notification of my right to dispute. I am happy to pay the collection as it was an energy bill for an apartment I used to live in, but I am not happy with the fact that they placed this on my credit without notifying me of my right to dispute. MY address isn't a secret. In fact, it's public record. I want this removed from my credit report. I do not believe they followed the fair debt collection act practices.
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78610	Web
" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX of Penn Credit Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company is in violation and performing an infringement upon a consumer 's right to privacy.
04/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18017	Web
i am lodging a formal complaint against penn credit corporation. this debt collector has reported derogatory information on my credit reports for a debt to XXXX for {$2000.00} i have never had an account with XXXX ever in my life. ive sent this company debt validation letters in the past they ignore them, but has continued to report on my credit reports every month which is a violation of the fcra, a company must cease collection after debt validation request. i am in the process of purchasing my very first home for my family and this debt on my reports is holding us back. i am requesting penn credit delete this account that doesnt belong to me off of my credit reports immediately. i will be filing XXXX complaints, and attorney general complaints if this account isnt deleted immediately. thank you for your time!
12/06/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11209	Web
Penn Credit ( PC ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 4 months from Monday thru Saturday from XXXX XXXX to XXXX XXXX Their calls disconnect when my answering machine turned on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX recommendation ). PCs phone number is blocked, however, they continue calling. My first recorded date when PC began calling my home was XX/XX/2018 at XXXX XXXX from the phone number XXXX. The most recent recorded date is XX/XX/2018 at XXXX XXXX My wife XXXX and I have been the only residents here for the past 10 years. We do not have nor had any debt. I am registered on the do not call list. I was advised the contact your agency. Thank you.
08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98513	Web	Servicemember
On XX/XX/XXXX I received an stating that an account from XXXX XXXX XXXX was sent to Collections in which I supposedly owed {$1000.00}. I know I am a victim of Identity Theft! I have been calling all credit bureaus to place a freeze on my accounts and disputing the Collection account. Penn Credit Corporation is the Collection agency that I had sent the dispute too and they refuse to drop the Collection account even though it is not me. I have sent them proof that I do not live in XXXX, AZ where the account originated. I actually live in Washington and on XXXX XXXX orders at XXXX XXXX XXXX which makes it physically impossible for me to live in XXXX, AZ. I attached my Utility Bills that I pay for in Washington that are dated from XX/XX/XXXX - XXXX which is the same time from the fraudulent account was made!
07/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33578	Web
They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contractor signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
On my credit report there is an outstanding collections from city of XXXX utilities stating that I owed {$500.00}. It was then transferred to XXXX XXXX XXXX. i paid the remaining balance in cash and closed out the utilities account in person at a service center when I moved from XXXX in XXXX of XXXX. I did this because I had roommates and we combined our cash to close out the account. I then received a call from XXXX XXXX XXXX a few months later saying a balance was in collections. There was no remaining balance. I have attempted to dispute it with them over the years with no success. This is the only negative mark on my credit at all. I was never even notified there was an issue from the city of XXXX, and when I tried to call them directly they told me the account was at a XXXX balance and closed out.
02/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95032	Web	Servicemember
I was contacted at XXXX XX/XX/2023 from Penn Credit Corporation by XXXX who would not provide me her last name nor any contact information. She notified me that there was a debt collection agency trying to contact to collect a debt and asked me to verify my full name and give her my address. I refused to do both and asked who was trying to collect the money and how much money was to be collected. She refused to provide me with that information until I gave her my personal information first. I attempted to collect more information from her but she refused any further attempts to gain her contact information or the exact debt amount or debt collector I should be working with. I asked her to remove me from her calling list since I'm registered with the national do not call registry. She hung up on me.
05/07/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44111	Web
When the company calls they call from different numbers an I told them I dont know anything about this bill they tell me I owe an they keep sends me bills an call my phone I had change my number because they call so much some days I felt like I was there full time job call me at XXXX XXXX XXXX XXXX to almost XXXX XXXX XXXX then why Im on the phone I hear people in back ground one time I though I heard a kid crying they tell me that they can take my car an get money out my bank account an that my credit going stay mess up I never be able To own anything I need to pay this amount in full today if I cant pay full I need to put something down on this bill today an I check my credit report it says it open this year but I have open anything this year I got scared that I put freeze on my credit report
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 23518	Web	Servicemember
My XXXX report is currently showing the same collection report twice. All of the dates match, the amount only differs by XXXX dollars. I have disputed the information on several occasions with no luck. I called on XXXX XXXX 2020 Penn Credit and was told that there is nothing that they can do since they are only showing one account. I also called XXXX on XXXX XXXX 2020 and was told that " they will probably be combined '' The account is almost 6 years old and was paid over 4 years ago. XXXX was unable to give any other information other than the last 4 digits of the account number which are the same but I was told that there is still a possibility that they are two different account. Current screen shot provided and payment confirmation can be provided as needed. Confirmation Number : XXXX
04/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 017XX	Web
XX/XX/XXXX XXXX called Penn debt collector and I was hung up on. XX/XX/XXXX XXXX for the second time called Penn credit collector and I was able to speak to a collector. I told them that this is a pay by plate and I am unable to renew my License do to unpaid pay by plate tolls. I explained I would like to dispute this because these are not mine. My license plate was taken I had to order a new plate from the RMV. On XX/XX/XXXX I had ordered replacement plates XXXX. I received a Number Plate Permit issued the same day XX/XX/XXXX. THe collector told me that they would be sending a letter out to me which I have not yet received. I do not have any dates of t or information requarding itemized dates, toll amounts, fees and late charges. Also I want photos of my vehicle going through these tolls.
03/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 194XX	Web
I settled this debt a long time ago, and the agent I spoke to assured me the account would be deleted from my credit report. When I got my mortgage pulled in XXXX I discovered the account still reporting. I sent Penn Credit a letter asking them to remove the account as promised. That letter was returned to me. I do not understand, I found their information on my credit report. I believe they have to report 100 % factual data to the credit bureaus. They have misrepresented the truth, updated their account on my credit, which caused my credit score to get damaged, when they promised to DELETE the account, and have reported incorrect or unverified information to the credit bureaus! Their address, reported to XXXX as recently as XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
05/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 168XX	Web
PENN CREDIT CORPORATION is a collections account that appears on my credit report even after I paid it off and they refuse to remove the paid collection from my credit report even tho they got me to agree to a settle and delete. the only reason i paid it is because the representative from Penn credit said he would take the account off of my credit report if i agreed to pay him and i did but now the account a year and a half later is still onn my credit report as a derogatory mark and it is affecting me buying my first home and when i called they told me they don't remove the account and that the gentleman that i paid to pay the account off lied to me and that i was out of luck. this is a violation of my rights as a consumer and my credit is being harmed even after paying a debt in full.
04/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web
XX/XX/2020 To Whom It May Concern : I am asking for this account ( XXXX XXXX XXXX ) Acct No : XXXX in the amount of {$460.00} to be removed from my report. When I moved from my home at XXXX XXXX XXXX XXXX XXXX, WV, I left my security deposit in my son and had the services transferred into his name. I have since paid the past due amount of {$460.00} on XX/XX/2020 ; However, I do not feel that because my son defaulted on his payments the said company had the right to come after me for the delinquent charge. I ask you please to help me correct this as promptly as possible. I have attached the receipt ( paid in full ) and if you could please contact me via email at or by phone for confirmation. I would greatly appreciate it. Thank You for your time and attendance in handling this matter.
07/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 443XX	Web
every week for the past 2 months Penn Credit Corp at XXXX either leaves a message or when call is answered a voice automated teller indicates that we owe a debt of {$74.00} to publishers clearing house. If we are submitting payment via mail press 1, if we can not make entire payment press 2, if we want to currently pay over the phone press 3 to speak to a representative. We have attempted to each prompt and to have our number removed by speaking with a representative and the calls continue. Today XX/XX/18 we pressed 3 to speak again and it is now asking for a pin number to continue the call. In previous calls, it indicated that the amount was going to be removed from our XXXX XXXX account. This is a SCAM. We do not owe money to XXXX XXXX XXXX and want the calls to stop immediately.
07/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30040	Web
On XX/XX/2019, PENN CREDIT CORP # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Reported me to the Credit Burea and placed me in Collection for {$130.00}. The collection didn't show up on my Credit report until XX/XX/2019. I immediately called PENN Credit Corp to ask what this collection was for. I recognized the Creditor but it was at a house in a state I don't live in. I live in XXXX Ga and the house is located in XXXX OH. Since I was already reported to the Credit Burea, I was not given a chance to dispute or validate the claim. Since the amount in question was small, I wanted to settle and move on. PENN CREDIT will not remove the collection from my Credit Report. This seems like a very unfair practice of reporting before the claim could be verified. XXXX XXXX
10/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 076XX	Web
I received a collection letter from XXXX XXXX on Friday XX/XX/21. XXXX XXXX is found in Texas. I have never lived in Texas and did it authorize these accounts to be opened. Someone has my social security number in Texas and Im a victim of identity theft. This thief opened 5 energy bills in 5 different Texas locations. They were never paid off and they never left a credit card on file or anything to trace back to them. They used my maiden name and social to open these accounts. The cred collection company Penn Credit Corp. is aware as I called them right away on Friday when I received the notice of collection. The account number is XXXX. When I called the collection company they actually made me aware of worse news that I have 5 accounts not just one as stated in the letter.
06/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web	Older American
Penn Credit sent me a collection letter related to a purchase I made on the XXXX website. I called Penn Credit and informed them that the XXXX purchase had been paid and I would be happy to send them proof of same. I sent them proof of payment from my bank account with XXXX XXXX, together with a cover letter requesting that they verify the payment with XXXX. After sending the letter, I never heard from Penn Credit for approximately three months until recently I started receiving collection calls from them with no reference to the evidence of payment I sent them. They now call on a weekly basis and I now choose not to answer the calls and they do not leave voicemail messages. I interpret this behavior on the part of Penn Credit as harassment and I want them punished for it.
02/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 441XX	Web
I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX. The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 300XX	Web	Servicemember
I recently summitted a dispute with XXXX to verify certain things on my credit such as penn credit collection for {$900.00} and XXXX XXXX XXXX for {$230.00}. Which i was a victim of Identity fraud and i filed a police report as well .I ask them removed or verify these accounts by sending me the name the correspondence on who they spoke with, dates contracts with my signature including applications and time and they did nothing nor did they do a proper investigation to help me they help the consumer because they are being paid to report these items. i have been going back and fourth about these accounts and nothing has been done i took all the right steps as well i enclosed a copy of the law section 609 because these accounts are being reported inaccurate on my credit file
11/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 160XX	Web
I received a letter yesterday from PennCredit Corporation stating that I owed back Maryland State Taxes. I checked my tax returns from XXXX and XXXX and I received a refund. I did not owe. Also, this debt was not reported to any of the credit bureaus. I tried calling the toll free number for Penn Credit Corporation XXXX and got a recording for XXXX XXXX. This recording was over 30 seconds long. I was not able to press # until it was finished. When I pressed #, XXXX answered and went into a spiel of how I should get a XXXX XXXX. I was not able to interrupt her so I think that too was a recording. I feel this is a scam even though this is a legitimate company and I got the phone number from the website online not from the letter. They should be reported for fraud.
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NE 693XX	Web	Older American, Servicemember
An account was opened in my name, but I have never heard of the address or the name of the company that some one opened an account with. PennCredit corporation is the collection agency trying to collect the debt. The company is suppose to be XXXX XXXX, may be in Texas, it does not say. The address they have for me is XXXX XXXX XXXX XXXX. When I called XXXX energy they can not find an account for me. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX there phone # is XXXX Creditor XXXX XXXX no address XXXX XXXX I just received a phone call from XXXX They are asking for a report from The FTC and a police report. I do have a police report Thank you for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have lived in XXXX XXXX. since I got out of the XXXX in 1970.
12/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33570	Web
This was for a online class at XXXX XXXX University. I was unable to complete the class and with drew from same, The teacher I emailed with said dont worry about it, he will take care of it. Years later he no longer works there and the school refuses to honor it. All attempts to clear this up with the school and debt collector failed and they didnt care, just want the money. Well I noticed that i appeared on my credit bureau and in XX/XX/XXXX, so i disputed it. The credit bureau XXXX XXXX removed it on XX/XX/XXXX. Well it happen to appear again. I have had no notification from Penn Credit that they were gon na be putting it back on my bureau, whihc as you know is a violation of the FCRA. On the XXXX report it was also removed but again reappeared.
10/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44202	Web
I received XXXX separate Invoices from a Penn Credit Corporation with a request for payment due to XXXX XXXX for {$370.00}. I have never heard of this company before. The dates of service for the fraudulent address were from XX/XX/XXXX. This was for the mailing address of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I was living in XXXX, OH at this time at my parent 's house. I received a second invoice from a debt collector ( XXXX XXXX ) for an invoice with XXXX XXXX for {$1000.00}. The dates of service for the fraudulent address were from XX/XX/XXXX- XX/XX/XXXX. Again, no idea who they are. I was living in XXXX, OH with my parents. While I was living with my parents in XXXX, I did not pay utilities, but Im sure I can come up with proof of residence.
08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 600XX	Web
i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.
04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30311	Web
I received a bill from PENN CREDIT CORPORATION VIA CITY OF XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/XXXX - XX/XX/XXXX. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/XXXX. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/XXXX WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19606	Web
PENN CREDIT is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. It is reporting to XXXX, XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new credit
03/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80922	Web	Servicemember
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. On XXXX it indicated the collections as Central credit, but on XXXX it indicates collection agency as Penn credit. They removed it last month off my XXXX then added it back this month and that is violation of FCRA and FDCPA. the credit bureaus also refusing to provide method verification that the acct and amt are accurate. They refused to provide license #, address, if they can collect under 2 different entities. DEBT VLAIDATION LETTER WAS SENT XX/XX/XXXX CERTIFIED AND NEVER RESPONDED TO. AS WELL AS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX
02/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22406	Web
I began receiving phone calls about a debt that was the result of identity theft. I notified the callers of this and was still harassed. I then notified the company from which the debt originated of the identity theft and was assured they would handle it. Some time goes by and I still receive calls with threats of negatively affecting my credit score if I don't hurry and pay them. They then attached to my credit score while I waited to hear back from XXXX XXXX ( the company fraudulent debt originated from ) and it knocked my credit down 47 points. After attempts to contact XXXX XXXX, I was finally informed I could contact their " collection department '' during my work hours where it is physically and literally impossible for me to make calls.
08/23/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10013	Web
Penn Credit, woman calling said her name was " XXXX ''. The number has called my office phone 4-5 times daily, often after XXXX for the past 6 months. They asked for a name that has never worked at the company. Then asked for another random name after stammering at my questioning for the abusive calls. When further pressed for information about the calls " XXXX '' claimed she was a friend and needed to discuss personal matters. I said, you know its illegal to collect a debt at someone's place of business as well as repeated calls. She insisted it was just a personal matter she had to discuss. These people are egregious liars with countless complaints about their tactics online. Put an end these filthy useless scumbags. Thank you.
08/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17701	Web
I saw on my report a collection for {$1100.00} from XXXX XXXX placed by Penn Credit Corporation with an original creditor of XXXX. I disputed it and it said it was verified. I never had a utility account with XXXX. I called Penn Credit and the lady was helpful and transferred me to the voicemail of a specialist who has never reached out to me in over 3 weeks. The representative told me that she couldnt discuss the account with me because although it is under my social, my name is different from the name they have on file for the collection. I even offered to settle it to get it off of my report but because I dont know what name its under she told me I couldnt pay it and she cant help me. Im writing to you asking for your help. Thank you.
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07107	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33064	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX 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 am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 184XX	Web
Ever since I have disputed the collection amount, my Credit Tradeline has multiple inquiries for the same collection account for the same amounts from the Collection Agency that I am disputing. The company is maliciously scarring my credit with these continuous multiple Tradeline reports. The collection agency is : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA The dates on my credit tradeline showing NEW COLLECTIONS are : XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) My score has dropped over 25 points with these multiple hits on my credit report and they should only show one time, not multiple times in a week or month.
04/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33414	Web
This was first deleted in XXXX for not being my account. Then it re-appeared and PENN CREDIT CALLED ME ABOUT a supposed XXXX XXXX XXXX XX/XX/XXXX old electric bill. I have lived in Florida for 5 years and this is not only not my bill but worse? They NOW put it down as NEW 30 days past due & a NEW LATE PAYMENT MISSED! This destroyed My score since it was a 5 year old collection now as THREATENED IF NOT PAID WAS Reported as a NEW RECENTLY UNPAID BILL. Please DELETE THIS EITHER IN ENTIRELY OR IF YOU CAN NOT THEN THEY MUST SHOW THIS AS UNPAID AS OF XX/XX/XXXX THE LAST MONTH I LIVED IN NJ? WHICH IT IS NOT RIGHT EITHER. AT LEAST IT WILL NOT HURT MY SCORE AS THIS FRAUDULENT THREAT WAS CARRIED OUT TO MIS REPORT AS A NEW MISSED PAYMENT!
06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07107	Web
On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
02/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08234	Web
Ive told Penn Credit that their records are incorrect. There is no longer a balance owed to XXXX XXXX XXXX as I paid it directly to them. Penn Credit is still claiming my debt is valid. Ive returned XXXX debt validation letters telling Penn Credit that the balance with XXXX XXXX XXXX has been paid off. I also told them over the phone that it has been paid to the XXXX XXXX. The last debt validation letter that I received from them stated that my lack of communication shows that I have no intention of paying my debt. It has been paid to XXXX XXXX XXXX and I owe {$0.00} to them or Penn Credit. {$1100.00} has been paid to XXXX XXXX XXXX. Penn Credit claims I still owe them {$1100.00} and XXXX keeps updating the disputes as valid
09/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34769	Web
XXXX. XXXX {$1200.00}. I've received a bill stating I owe this amount. I've sent a validation letter for specific consent information that this is my dept. Like a contractual agreement I made with my hand written signature or what medication that I've received. They didn't send me that. So I sent a second validation letter stating I would take further steps. They sent me a bill from original creditor. I've been in contact with them trying to figure this out. I even reached out to the police department records unit. Which I have the email. Stating that they have no record that this incident happened on those dates. I will attach email. At this moment I'm in conversation with original creditor now to investigate this situation
04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 30075	Web
On XXXX I received a letter dated XXXX from Penn Credit Corp. on behalf of XXXX ( XXXX ). The {$160.00} amount due was for a service date of XXXX. I immediately called Penn Credit Corp. and told the rep I would be submitting a dispute letter, which I faxed on XXXX, because I felt it was an unfair practice to sent a bill that is approximately 11 years old. With my letter, I included a document showing the statute of limitations for PA is 4 years. On XXXX, I called Penn Credit to follow up on the status of my dispute and was told my account was placed on hold because XXXX sent me a copy of the bill. It appears that by placing the account on hold and sending me a bill instead of dismissing it, they are still expecting payment.
02/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22315	Web
I XXXX XXXX am a Consumer of the U.S. and anything Purchased with my credit card remains the obligation of the U.S. Pursuant to 15 USC 1601. I never gave consent to Penn Credit Corporation ( third party debt collector ) to obtain any of my information. This is a violation of my privacy and you are in violation. I never signed a contract with Penn Credit Corporation. Pursuant to 15 usc 1692b, a debt collector can not state that this is an attempt to collect a debt. You have again violated my consumer rights as protected by FDCPA. You have mailed my home at an inconvenient time Pursuant to 15 USC 1692c. You will be held criminally liable Pursuant to 15 usc 1640 and civilly liable for all violations Pursuant to 15 usc 1692k.
09/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44120	Web
There is an account that was paid in full for The illuminating company ( debt collector Penn Credit ) in XXXX of XXXX. I called on a recorded line ( by myself and Penn Credit ) XX/XX/XXXX and spoke with XXXX ( collections representative ) and XXXX ( supervisor ) to request the information be reported removed. XXXX confirmed that he received the dispute from the credit bureaus and says the company confirmed that the paid account was still in collections despite receiving full payment. After several minutes of going back and forth with XXXX who was beginning to raise his voice. I ended the call at XXXX EST. I then contacted the original credit that emailed me a letter stating my account has been satisfied with them.
07/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17111	Web
Is not mine gave them PROOF of adress at the time had my apartment lease and send it to them. Call them about the account was open and told them it was not mine the Representative ask for my info to put a complaining and after I gave her my info she said that os your account and I 'm going to fill out all the missing info In your account when I told her o already has services in reall adress how can o possible be living at 2 different adress at the same time and they hang the phone. O fild different forms and claims and no luck removing alot of things someone did when my identity was stolen. The collection agency is penn credit in XXXX PA AND THE COMPANY IS XXXX Penn credit keeps harassing me calling me at all times
06/20/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV 252XX	Web
XX/XX/XXXX, XX/XX/XXXX along with a few before I got caller ID hooked up. I hadn't had my phone but a couple of days and started getting calls for my brother in law who I haven't seen for a long time, nor do I know where he is. It's a recording asking for XXXX and the same last name as mine. It says they have personal business with him and if this is the person press a #, if the person isn't able to come to the phone press a #. Or have him to call the XXXX back. Then it thanks me for giving him the message. There has also been messages left on my machine with the same recording. I looked the number up since it says toll free call and it comes back to Penn Credit. He doesn't live here nor has he ever lived with me.
11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30236	Web
I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32937	Web
Penn Credit calls my home repeatedly. When I answer the phone, they state a name ( for example " XXXX XXXX '' ) and ask if I am that person. I say " no '', and they hang up. The next time they call, they give a different name ( for example " XXXX XXXX ), and ask if I am that person. Everytime they call, they ask me if I am a different person. Penn Credit is obviously going through the phone book, or just calling random numbers, on the off-chance they will reach a creditor. I have stopped answering the phone when they call, but I am really tired of having to put up with this behavior. It is harassment. Someone in the government should file charges against this company. Better yet, put them out of business.
03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53215	Web	Older American, Servicemember
In XX/XX/2020 my credit score went down from XXXX to XXXXXXXX.i checked .it said XXXX XXXX. In texas for XXXX $ .i live in wis for past XXXX yrs.i submitted all requested info and my credit went back up toXXXX .then i started to receive bills for requests for payment of XXXX $ .i ignored them.i thought it was over.in XXXX my credit went from XXXX XXXX decline.i looked up my credit there was 2 delinquent accts.1 for XXXX {$1.00} for XXXX $ both from XXXX XXXX.i called then faxed all documents requested through my social worker at the va hospital in XXXX XXXX called them the next week.they told me my file was in the fraud dept and shoul no longer be affecting my credit score.my credit score remains at XXXX.
01/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 085XX	Web
Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.
11/29/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MA 02128	Web
On XX/XX/2023 I went to renew my vehicles registration. I noticed there was a non renew on the registration due to an unpaid pay by plate in the amount of {$290.00}. I paid this balance expecting it would resolve the non renew issue. When it had not be resolved, I contacted XXXX XXXX on XX/XX/2023 for further information. XXXX XXXX then informed me I had collections on the account. I then called the phone number provided to me by the XXXX XXXX associate and was connected with Penn Credit Corporation. The woman I spoke with told me I owed {$860.00} and provided their payment options. I have never received a validation notice from Penn Credit Corporation nor have I received any form of communication.
12/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NC 28792	Web
I was never contacted about this debt even though the original vendor ( XXXX ) and the agent had my telephone information and my email address. The Agent simply " flagged '' my Credit Report adversly impacting my score. The Agent advised that they did not have the responsibility to attempt to contact me and that if I did not pay the bill they would continue to adversely impact me credit score. I advised them that if they had contacted me I would have paid the bill. In fact, I contacted XXXX and paid the bill. Without going through proper, professional business practices, this agency is using it 's ability to adversely impact a consumers very important Credit Score to extort payments from customers
03/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44122	Web
My debt was resolved but it is still appearing on my credit report and the debt collector continues to contact me attempting to collect the debt. The debt is still appearing on my credit report because the company is attempting to collect. XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance 10 XXXX XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 1 yrs, 1 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name 10 XXXX XXXX XXXX -- -- -- -- -- -- -- ITEM IN DISPUTE : PENN CREDIT CORP 10 XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. CONTACT INFORMATION PENN CREDIT XXXX XXXX, PA XXXX
02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 603XX	Web
I had to drop XXXX of XXXX classes at XXXX due to the death of my grandpa ( whom I took care of ). The one I did n't drop was an online class. XXXX did charged me the full amt for the XXXX classes, which I disputed but ultimately paid. Apparently Penn Credit was provided the information to attempt to collect this debt for a commission while I was in dispute proceedings with the school automatically since the debt aged and automatically was provided. I paid XXXX directly the amount owed, and I porovided proof to Penn Credit a couple years ago. However Penn Credit is now attempting to charge me for {$70.00} worth of fees, and have not been able to provide any documentation or proof of this debt.
06/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48111	Web
First contact : automated voicemail to call debt company back I called company back to ask what this was about. I would not give my address. Company did not provide any info about debt and hung up on me. Automated voice called back and gave me info about who original debt was from and amount. I called original company and they have no record of this being my debt ( which I agree with ). I called debt collector back and tried to sort it out ( I did not give my address ) - they hung up on me twice. I called back once more and told them to send me a verification notice. Apparently, they should have sent this already ( or did I have to ask for it )? Waiting for that so I can dispute the debt.
09/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33496	Web
On XX/XX/2022, Penn Credit Corporation reported {$2400.00} in collections to my credit reports for XXXX XXXX XXXX XXXX which resulted in an XXXX Point Decrease/Damage to my credit score. I called XXXX XXXX since I pay them directly for the birth of my daughter and they told me that my account was NOT with Penn Credit! I never received a phone call or mail from Penn Credit -- I was never contacted by them. I then disputed this with XXXX and Penn Credit but it did not change a thing! I want this derogatory collections off of my credit reports and my credit score reinstated! I will not pay Penn Credit anything since I pay XXXX XXXX XXXX XXXX for my debt! Thank you for your help! XXXX XXXX XXXX
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18940	Web
I found a previous complaint regarding the reporting of XXXX XXXX XXXX fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
01/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95827	Web
I received a notice of collection from a company called PennCredit Corporation in which they are stating I have 30 days to pay {$240.00} for an electricity bill from XX/XX/17 in which I have no idea what it is. It lists an address that I have never lived at and I can prove this if needed. The company they are collecting for is by the name of XXXX XXXX, never heard of this place either but the company looks reputable. I looked up reviews on this collection agency and they are notorious for having a bad reputation and have tried to collect on many debts that are fraudulent. Please help me with this issue asap. There is one more thing and that it is not being reported on my credit report.
05/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
Received a letter on XX/XX/XXXX from Pe nnCredit Corporation st ating that I owed {$59.00} for XXXX magazines ordered from XXXX XXXX XXXX on XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . I contacted XXXX and after an extensive search they found no orders on my account for any magazines at any time and that my account balance was at XXXX . XXXX sent me an email confirmation stating that my account balance was XXXX . Contacted PennCredit and they insist that I still owe the money. I will return the letter they sent me along with a copy of the letter that XXXX sent me but obviously PennCredit is attempting to defraud me by sending me a false letter of debt collection.
10/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94577	Web
In a notice dated XXXX/XXXX/16 the collection agency falsely asserts that I have an outstanding delinquency. Moreover, the notice makes the patently false statement that " Previous notices ... have gone unpaid and remain delinquent ... '' The accurate information is that I prepared a comprehensive written contest to the fine and I received a written response in reply stating that it was referred to the hearing officer and that there was nothing further for me to do at [ that ] time. There was no subsequent correspondence or contact from anyone until receiving this XXXX/XXXX/16 collection notice. I am not even the registered owner. This is a fraud on the part of the collection agency.
02/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 06042	Web
XX/XX/XXXX, XXXX has sent my account to Penn Credit Corportation in an attempt to collect a dept. The dept was included in my bankruptcy from XX/XX/XXXX. It was not contested by XXXX. I had reached out to XXXX directly to inform them of the bankruptcy and provided my bankruptcy attorney 's contact information. I had also reached out to Penn Credit Corporation and provided them with my bankruptcy attorney 's contact information as well. XX/XX/XXXX, I reached out to Penn Credit Corporation directly and advised them that this is in error. I was told again that they would " investigate '' my bankruptcy claim. I disputed this twice with XXXX XXXX and its coming back as a valid debt.
10/20/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 163XX	Web
I received a letter regarding a disputed bill with an XXXX XXXX dated XX/XX/20 from PennCredit Corporation. I mailed to them a 'cease and desist ALL communications ' letter ( because it is disputed ) on XX/XX/20. However, I continue to receive phone calls per my caller ID from this collection co. ( PennCredit ). They have called : XX/XX/20 at approximately XXXX from XXXX ; XX/XX/20 at approximately XXXX from same # ; XX/XX/20 at approximately XXXX from same #. I believe they are in violation of the law by persisting in making contact with me after they have been notified to STOP and that this bill is DISPUTED. Any reporting of this DISPUTED bill on my credit report causes damages.
02/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34758	Web
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, PENN CREDIT failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
02/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33027	Web
I had medical emergency XX/XX/2019 and was transported by XXXX XXXX XXXX to the hospital. They billed my insurance company XXXX {$840.00}. XXXX negotiated a reduced amount of {$720.00} which they have paid. I spoke with XXXX and they have assured me that I do not owe anything to XXXX XXXX and they are sending me a letter within the next two weeks stating that. I now have a letter from PennCredit that I owe {$140.00} and the creditor is City of XXXX, FL. for EMS services and they have also placed a record in my credit statement of unpaid debt. I reached out to PennCredit but they have the issue under review and have done nothing to remove the remarks from my credit report.
06/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
To whom it may concern, by FDCPA any debt collector must be able to provide full validation : original contract with my signature on, cancel check, contractual agreement with original creditor show that you have the right to collect this debt, .... ). A screen shot does not constitute an admissible validation according to the FDCPA. Not providing this constitute a violation of the FDCPA and make me entitle to monetary damage of {$1000.00} per entry. Please provide documentation or I will pursue monetary damage and a complaint with Federal Trade Commission will be filed if account is not remove from my credit file immediately. Thank you in advanced for your quick response.
06/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
to whom it may concern : Under federal law any collection company must posses : ,a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. Please remove this report from my credit or I will pursue monetary retribution. Thank you for you quick responds.
03/11/2017	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 33321	Web	Older American, Servicemember
Several months of repeated phone calls, some with automated voice message, from a company called Penn Credit Corp. I gather they are a debt collection agency. I have no idea what this is about. They have not communicated with me by any other means. I sent them a " Cease and Desist '' letter by certified mail on XX/XX/2017. I received a signed receipt dated XX/XX/2017. The phone calls have resumed. In my letter I told them I would contact the FTC and the Florida Attorney General 's office if they continued the phone calls. They were requested to provide my letter to the company for whom they are collecting, so they have notice of my dispute. All this to no apparent avail.
01/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48205	Web
Credit Penn Corporarion has given me a derogatory XXXX on my XXXX XXXX based on inaccurate information. I do not have an outstanding debt with XXXX ( original account holder ) The account was paid in full and closed. I contacted XXXX AND Credit Penn corporation and I am getting the run around. Meanwhile my score has dropped XXXX points. XXXX XXXX of credit Corp Penn told me he could not take my word or confirmation number I retrieved from XXXX to prove I have no outstanding balances. The confirmation number is : XXXX XXXX has told me to contact the credit bureau, so this is my attempt to clear this matter before Credit Penn Corporstion report again with a derogatory mark.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web
I recently received a fraudulent collection account on all three of my credit reports, XXXX, XXXX and XXXX from a collection agency called " PENN CREDIT CORPORATIO '' original creditor being " XXXX ''. This is the exact spelling on my credit report. The alleged balance is " {$920.00} ''. I discovered the alleged collection item on XX/XX/21. I have no knowledge of this account and it was placed on my credit report inaccurately. I have reached out to all three credit bureaus including the collection company with no response yet. I believe I may have been the victim of Identity theft and I want this matter resolved immediately as it is affecting my ability to obtain credit.
06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 116XX	Web
The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web
Penn credit Corporartion did NOT address my concerns. The did NOT send adequate verification of the alleged debt. They are in direct violation of my rights under the fair credit act. They must delete this erroneous account immediately. I have sent them proof of TAX return 2019, W2, paystubs, and a lease agreement in the persons name who apartment belonged to and they've done nothing to assist me in a resolution. They are not interested in hearing the facts. They did nothing to resolve this issue. I will seek legal action against Penn Credit corporation if they don't fix this matter right away. I have attached copies of all the documents sent to Penn credit corporation
10/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Web
I've sent 2 validation letters ( XX/XX/2021 and XX/XX/2021 ) to Penn Corp to validate the debt. I send both letters certified and got confirmation they received them. Both times they did not validate the debt, I requesting documents with my signature, specific dates and procedures if any was done. Both time they just send me a copy of a bill, that could be anybody 's bill. They did not validate the debt. At this time I'm requesting the get these removed off all 3 credit bureaus, for lack of validation. The company has not provided me with any proof of the debt other than a random bill. The name on the bill is not mine and the address on this bill also is not mine.
08/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 150XX	Web
I have sent 3 certified letters to this company informing them that this is not me I have asked them for verifiable proof with my signature as required law and all they sent me back was a copy of the charges the deft still shows on my XXXX credit report My name is legally XXXX XXXX however due to my employment my name on my insurance card is XXXX XXXX and so my health report with this hospital would be XXXX XXXX not XXXX so clearly this is not my bill I have in the past been a victim of identity theft I am also a member of a class action lawsuit against Penn Credit for violations of Fair Debt Collection laws and their refusal to remove this from is in retaliation
01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 317XX	Web
Penn Credit Corporation is report FALSE information to XXXX and possibly other credit monitoring agencies. I noticed Penn Credit just faced a class action lawsuit and I guess I am just another one of their victims. The amount owed is incorrect and I am currently paying on that amount. I have also applied for assistance with the debt as it is a life-sustaining right to have electricity in the desert of XXXX. I have asked Penn Credit to fix this issue multiple times but they do not do so. They should be held accountable for harming people 's credit during a global pandemic ... Not to mention profiting off the misery of other people, this is disgusting and inhumane.
07/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43209	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44105	Web	Servicemember
Again, this company did not provide information supporting this debt, I requested Assignment of Debt, Method of verification and Agreement with company for service. The steps involved in the verification process as I have the right to know the names, phones, address if the parties involved per the Fair Credit Act and they did not provide this information with the 5 days of requiring this account if valid. Please provide certified mail with receipt stating that I received this information as they stated they need to " GET VERIFCATION '' They should have this information before they even placed this on my credit report. Account : PENN CREDIT CORPORATION # XXXX
06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18940	Web
I have filed 3 complaints now over this issue. Latest response for penn credit was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. I have attached their blanket response to the previous complaint number XXXX
11/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Web
In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 00777	Web
I received a letter on XX/XX/2017 alleging I had an unpaid tax balance in the state of Maryland. I have never lived or worked in the state of Maryland, and have only been there once to visit XXXX XXXX as a tourist. After submitting a letter requesting more information and disputing the debt, I received a letter supposedly from the Comptroller of Maryland stating that the balance due was based on information provided by the IRS stating that I filed a Federal return using a Maryland address. However, they could not find a Maryland return processed. I have never filed a federal tax return, because I live, study and work in XXXX. This information is clearly wrong.
09/24/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 280XX	Web	Older American, Servicemember
I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end??
07/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17408	Web
I never received any information regarding this account prior to it appearing on my credit report. I was advised to pay the debt to make it go away regardless of receiving any information from the creditor. I disputed the debt on XX/XX/19 and received no response from the company, though it came back verified. How was the debt verified and why didn't I receive any communication? I disputed it again on XX/XX/19 with the same result - no communication but verified. Furthermore, the account is listed as open with XXXX. How is a paid collection, open? This company has sloppy reporting and collection practices and is hurting my ability to move forward.
08/30/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 49017	Web
I've come across an entry on my credit report from PENN CREDIT CORP that appears to be inaccurately reported. It's important to note that I was not associated with PENN CREDIT CORP during the timeframe mentioned, which is from XXXX. Additionally, the specified debt amount of {$1000.00} is not familiar to me. I believe there might be a mistake or confusion, as I was not residing at the stated location during the mentioned period and have no records of incurring such a debt. I kindly request a comprehensive investigation into this matter and a prompt correction of this erroneous information on my credit report to ensure its accuracy and fairness.
07/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 152XX	Web
XX/XX/XXXX I filed a dispute with Penn Credit Corp because this account is not a collection or a charge/off and older than XXXX. It was accurate and removed from my credit. This account continues to be sold and added back to my credit with a different collection agency and dates of service which drops my credit score drastically. This account should not be on my credit this account keeps being sold through peopled gas since they can not file under an old account. This account is past the limitations to be on my credit. They keep selling and adding to my credit. I filed against peoples gas first XX/XX/XXXX this was removed then now added again.
06/15/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 117XX	Web
They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my debt.
11/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33009	Web
Penn Credit reached out to me on XX/XX/2022 in regard to an alleged debt. According to their letter I had until XX/XX/2022 to reach out to dispute the debt. I sent a letter XX/XX/2022 certified with USPS. According to the tracking number, they received it on Friday XX/XX/2022 at XXXX XXXX. Even after receiving my letter on time, Penn Credit still placed an adverse mark on my credit report ( a collection ) on XX/XX/2022 which shows as opened on XX/XX/2022, a day before their letter was received by me. They have violated my consumer right as pursuant to 15 U.S.C 1692d ( 1 ) ruining my reputation/defamation of character of credit worthiness.
09/07/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MD 21206	Web
This company is harassing me about a debt that is not mine. It has been over 30 days since I've told them I would like to dispute this debt. It has been over 30 days since I've initially told them to stop contacting me. The contact me while I am at work and after XXXX. They have yet to respond to my investigation request. They have yet to validate this debt but continue to pursue payment. They have put my job at jeopardy and have caused me a lot of stress. I don't know what to do. They have stolen my identity and personal information and continue to share it with parties unknown to me. They have defamed character and invaded my privacy.
02/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 190XX	Web
I sent a letter to a collector that I found on my credit report for a debt that I paid and was assured would be deleted YEARS AGO. I sent them a letter asking them to do what they promised when I paid the debt, and delete it. that mail was returned to me because the address was incorrect. so I waited, checked my credit, got the address again, and it is the same. Penn Credit has not reported accurate data. I want this account deleted and I have no idea how to contact them. They've never sent me any mail. I only settled the debt to get it removed from my credit, and it's still there, and no my right to dispute it has been fully removed.
06/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95062	Web
I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. ... ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. I am continually getting notices like this that are typically a matter of incorrect data entry.
10/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
02/08/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32822	Web
on XXXX XXXX I call XXXX XXXX XXXX. I paid a collection XXXX. XXXX XXXX i dint reconize this account but needed to be deleted from my credit report. Im trying to improve my credit. I want to buy a house. I said I wanted to pay for a delete they told me it was ok. i ask for a prof they told me i will recived a deleted prof letter. never recived nothing. and they just updated this account now is still hurting my credit. it hard paid a account i dint reconize and still hurting me. My dream of buying my house is getting hard. if there a way this account can be deleted of my credit. I would be very grateful. Thank you. God bless you.
01/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web
I came home on XX/XX/XXXX from an almost 8 month trip. I found several collection letters from Penn Credit which I replied the next day asking for verification. I sent a list of things including original contracts bearing my signature in order for me to be able to validate the alleged debt. They not only failed to send the requested information, but also I received a response that violates my HIPPA rights. The collector did not provide a HIPPA release form with my signature that provides authorization for them to have any medical information of mine. Penn CrediXXXX continues the pursuit of this alleged debt without validation.
01/21/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33060	Web
I've received multiple calls from Penn Credit Corp about a debt collection. When I asked where the collection was from they refused to tell me because I " gave them the wrong address '', I live in XXXX XXXX Florida but the address the debt collector gave to was in XXXX Florida. As I previously stated I've received multiple calls from Penn credit harassing me at early in the morning and also while I am at work. I am XXXX months pregnant this harassment has caused me a considerable amount of stress, especially when I am unaware the debt they are calling to collect with no clarifications as to whom their collecting on behalf of.
12/09/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 21214	Web
the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX
08/28/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	PA 15701	Web
Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.
09/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 333XX	Web
This is a continuation of Complaint ID XXXX. I have attempted numberous time to get the detail required to validate the debt from XXXX XXXX as XXXX XXXX. My last request was via email over a week ago and I have yet to receive a response. Since this is the second firm that has tried to collect this debt, I am skeptical that it is valid and that is the reason why the first firm that made the attempt passed it on. How are they allowed to put derogatory reports in my credit report when they have NOT complied with the requirements to substantiate the debt? I would appreciate your assistance in resolving this. Thank you XXXX
06/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 15235	Web
There was a collection account that was placed on my credit report from Penn Credit in XX/XX/2023. I did not have any prior acknowledgement of the debt by phone or a letter in the mail. When I called and spoke with a representative in XXXX, I asked for a validation letter to verify the debt. It took them over 2 months to send the envelope in the mail and when I opened it, it was a complete different persons information. I called when I received the information and was disconnected with no call back. When dealing with individuals personal information the employees should be careful on where they're sending information.
09/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 013XX	Web
Call in XX/XX/2023 ( unsure exact date as phone records cleared from phone ) to inquire about debt. Was told an itemized bill would be sent to me. Called approximately 30 days later on XX/XX/2023, placed two calls to collector to follow up. Again I quoted about itemized bill/collection details. They were unable to provide me any information and just said the bill would be sent out soon. Called today XX/XX/2023. Again requested status of letter, they were not able to provide me information. Said it would be pushed to management to get more information. This debt is preventing me from renewing my drivers license.
10/30/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 95670	Web
Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.
05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17406	Web
On XX/XX/XXXX, I moved to a new address and disconnected the services at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I did not live there past the time and services were still connected under my personal information as of XXXX of XXXX. I was charged XXXX from Penn Credit Corporation a collection agency for XXXX XXXX XXXX. I have received numerous letters and erroneous statements on my credit report and I don't owe the charge. I have continuously addressed by disputing and not getting any real help with the process. I am attaching a bill sent from a company showing a bill for service used while I didn't live at the address.
09/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 183XX	Web	Servicemember
I have been trying to get a method of verification with PENN CREDIT Corp to the point I even went as far to connect CFPB last month to get it resolved, Penn Credit responded by stating that I agreed to pay the debt I owed during a phone call which this is absolutely not true, I never verified the debt was mine but at that point I was so frustrated I was almost willing to pay it, they sent out account statements which does not verify anything. They never stated how they verified the account or any documentation supporting this actually being my debt. I do not feel its appropriate to pay debts that are not mine.
08/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DE 198XX	Web
The collection agency ( Penn Credit Corporation ) is trying to collect an old debt from XXXX The account was closed in XX/XX/XXXX. They haven't mailed me any information bout this debt which the " STATUE OF LIMITATIONS '' on the account has " expire '' in the state of XXXX, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in XXXX in years because of a Domestic situation and had to relocate the original agency ( XXXX ) knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29483	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77494	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. I badly need your help on this matter.
08/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11357	Web
Received a Notice of Collection from Penn Credit Corporation to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up Penn Credit Corporation and they have many complaints on the XXXX as well.
09/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97701	Web
Dear PENN CREDIT CORPORATION, You are in violation of my consumer rights and willfully listed a debt I have never incurred. Furthermore, there was never a notice given to alert me to this supposed debt. I received no letter from your company about the alleged debt. My account with XXXX has never been late nor have I ever left a bill unpaid in the 4 years I received electric service. I moved across the country on XX/XX/2018. At which point my account was closed and completely paid. My attempts to dispute this matter directly with you have been unsuccessful. Shame on you. Sincerely, XXXX XXXX XXXX
03/23/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web
First, the amount collected is not correct because the amount I stated in the order was not followed, there was overcharging of the amount. Secondly, the items I ordered didn't arrive but was replaced with another one not specified in my order. I called them and made a complaint about the order and even asked them where to return the items, they told me either to give it away or throw in the trash. They told me to specify what I ordered and submitted the list to their office. I waited for the response but it never came. What I did was to give the items to my friends because i didn't need them
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43229	Web
On XXXX XXXX2020 PENN CREDIT CORPORATION added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and 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 it belongs to me. According to the FCRA, PENN CREDIT CORPORATIONhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
12/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77450	Web
Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp.
06/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 344XX	Web
A few years ago i noticed this account pop up on my cbr. I moved to a different state about that same time so i figured maybe i didnt revieve any notifcation because of this move. I contacted to debt collector to update my address and also requested the final billing from the original creditor. The amount of the debt seemed to be very high. After about 45 days or so i disputed this directly throught XXXX and XXXX because i never recieved the information i requested. I still have not recieved validation of this debt. It is also not appearing as " disputed by consumer '' on any of my reports.
07/16/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32327	Web
Penn Credit Keep Calling My Residents About A Debt That I 'm Unable To Pay At This Time I Told Them That I 'm XXXX And Was Not Working And Did n't Have The Funds But They Keep Calling Me After I Told Them To Stop Calling And I Have Contacted A Law Firm But They Said They Got To Be Calling My Cell Phone For Them To Take The Case But They Are Calling My Home Phone Instead Of Cell Phone And I Want It To Stop The Name Of The Law Firm I Contacted Was XXXX XXXX XXXX They Offer {$1500.00} For Each And Every Unwanted Call You Receive To Your Cell Phone Even If You Owe Them Money This Is Harassment
03/25/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	CT 06320	Web
On Sunday XX/XX/2018 I received a call from Penn Credit Corp at XXXX. Which is a debt collector attempting to collect a debt in the amount of {$800.00}. On behalf of the energy company XXXX, whereas I also feel and know I don't owe that much due to service being for short period of time. I'm filing a complaint because this isn't the first time Penn Credit Corp attempted to contact me on a Sunday. Not to mention the automated recording asked how would I pay the debt, and if I would like to contact them during business hours. Stating they weren't even open if I wanted to discuss the matter.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 186XX	Web
I couldn't get a hold of them. Updated PENN CREDIT CORPORATIO Account XXXX of them. XXXX reported me, and I never received, and bill and no nothing about it and I can't get a hold of anyone, and I get disconnected PENN CREDIT CORPORATION Account Name XXXX Account Number Collection Account Type XXXX XXXX XXXXXX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XXXX XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$830.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
08/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33160	Web
XX/XX/XXXX I discharged a debt owed to XXXX XXXXXXXX XXXX XXXX in a Chapter XXXX Bankruptcy, Case XXXX filed XX/XX/XXXX. After the Bankruptcy I moved out of the state of Florida and now live in XXXX. This year Penn Credit submitted to my credit report a debt for XXXX XXXX XXXX XXXX I reached out to the collection agency to notify them that I have not opened or had any accounts with XXXX XXXX XXXX XXXXXXXX since by Bankruptcy and that the debt was discharged. Penn Credit refuses to remove the collections from XXXX, XXXX and XXXX PENN CREDIT CORPORATIO Account XXXX XXXX XXXX
10/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32809	Web
City of XXXX is saying I owe them {$220.00} for service that continued at a rental home after I submitted a termination of services and paid balance due. They do not have the right to collect these funds, as I performed my due diligence - they left the services on until XX/XX/2018 under their own mishandling. I moved out of this rental XX/XX/2018 - and furthermore was due a refund of my deposit of {$250.00} - which was never mailed to me - so now a collection agency Penn Credit owns this debt - I was able to get it removed from my XXXX report - but was denied on both my XXXX and XXXX.
06/20/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30309	Web
Penn Credit Corporation calls my home phone several times a day. I 've answered when I 'm at home, but they have poor automated calls, and it starts with " if you are that person, press 1 '' I never hear the person 's name! When I do press 1, I do get connected to a person, but they ask for someone I never heard of. When I tell them that, they never apologize or offer to remove me from there call list, and the calls persist. I do not want to be contacted by them again, unless it pertains directly to me, which I doubt, since I am not in arrears with any financial or consumer entity.
02/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Web
XX/XX/2022 I contacted the hospital to verify the debt in which I was made aware that it went into collections which is a violation of HIPAA. Which was created t protect private and sensitive health information from being disclosed without my consent or knowledge. I did not agree to have this sent to a collection agency where they were able to gather my private information such as a home address, social security number, phone number, medical finance information, and so forth. This is a direct violation of HIPAA via " HR-2537 Consumer Protection for Medical Debt Collections Act ''
06/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31792	Web
This a company called Penn credit corp they are saying I owed the city of XXXX XXXX and I have never lived in XXXX I tried disputing it with XXXX and they say the debt is valid somebody had used my info I didn't even know about in XX/XX/XXXX I lived in XXXX XXXX in XX/XX/XXXX in XXXX XXXX the address I lived at in XX/XX/XXXX was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it said I owed the XXXX XXXX XXXX XXXX 1.380.00 or higher I had disputed them on XX/XX/XXXX and just know got the results saying that the debt was valid I really want this debt removed from my credit report.
06/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60189	Web
Received letter from Penn Credit on XX/XX/XXXX about a delinquent XXXX bill originating in XXXX XXXX, FL. It is impossible for me to have been charged for this service as I was going to school full time in XXXX XXXX, FL on the date in question ( XX/XX/XXXX ). Also, I have never received any mail prior to this point regarding any debt concerning an XXXX bill. I will be contacting Penn Credit tomorrow to request documentation on the debt. On a minor note, I find it questionable that the hours listed on the bill I was sent do not match the hours listed for the company online.
08/21/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SD 57702	Web
I receive calls from Penn Credit 3 to 4 times a day. Each time it rings no more than one or two times, never even giving me the opportunity to answer the phone. I have no loans with them and I have no late payments with them or any other company. On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. In both cases the phone rang one time. On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. Again, in both cases the phone rang one time, not even giving me the chance to answer. I 've had numerous other calls from that under the same circumstances.
10/28/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85756	Web
I was not informed or contacted by the collection agency Penn Credit Corporation until after the debt went into collections not was I notified by XXXX XXXX XXXX that the power remained on at my old apartment. I thought my ex girlfriend had turned it off but she had not. I was unaware of this until the debt went into collections on my credit report. I asked to have it removed from my credit report on goodwill being that I payed the debt off in full today on XXXX. I had to seek out and call Penn Credit Corporation to have this debt paid not once did they contact me otherwise.
09/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10463	Web
since XXXX I have had numerous accounts opened in texas with XXXX companies such as XXXX XXXX with addresses in texas XXXX never been to texas XXXX do not know anyone in texas XXXX, I have disputed all these accounts, filed FTC -police report, of Identity fraud placed a fraud alert on my credit accts, but penn credit keeps hitting my credit report I am scared and frustrated that someone is opening utility accounts with my credentials name ss and who knows what else now I they requested I file another police report with all 6 of the account numbers they have under my name
01/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21703	Web
I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition, I received approx. 5 calls per day, every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft, and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it, despite violating FDCPA.
01/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91401	Web	Older American
Penn Credit is trying to collect money for an UNSOLICITED cookbook. I had the same problem a year previous and reluctantly paid because I was sick and didnt realize consumers are not responsible for unsolicited merchandise. I canceled my magazine and told the company both written and at the XXXX number to cancel everything and never send me anything else. I called both the magazine office and Penn Credit. They both know the product was not solicited. They both known consumers are not responsible for unsolicited merchandise but play this fraudulent game year after year.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19114	Web
On XX/XX/XXXX, PENN CREDIT CORPORAT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXXENN CREDIT CORPORAT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
04/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22901	Web
Penn Credit Corporation alleges that I owe {$410.00} for a red light traffic violation on XX/XX/2015. Firstly, Penn Credit failed to properly serve notice of the violation. I, XXXX, never received a ticket nor violation notice from a human person. I am inclined to take legal action unless Penn Credit immediately ceases all collection attempts. Under the Fair Debt Collection Practices Act, 15 USC Section 1692, a debt collector must provide a verification of the alleged debt. The debt collector is mandated to cease all collection activity until verification is provided.
10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	PA 19438	Web
I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.
04/11/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 20164	Web
Every other morning approximately XXXX XXXX Penn Credit Corp ( on the callerID ) has a robocaller dial my house land line. I answered the first couple calls to silence. I have NO outstanding debt or reason to be in collection. The following week I let the caller go to VM, the caller refused to leave a message. I blocked the calls on my phone but they still auto-call every other day, including weekends and holidays to disturb my residence. I have researched the phone number on the ID ( XXXX ) and see that EVERY report is a serious complaint. Go to XXXX Penn credit!!
03/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33313	Web
I was involved in an auto accident on XXXX. My daughter, age XXXX, and I were transported to the hospital via ambulance and were seen and billed. There was a settlement that sent a check to satisfy me and my daughters bills. ( Both bills were billed in my name ) The original creditor ( XXXX XXXX ) applied the money towards my bill, and kept the overpayment and did not pay the second bill for my daughter. They then sent my daughters bill to collections with Penn Credit Corp. They now are trying to get me to pay a portion of the bill that shouldve already been paid.
01/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21207	Web
I am currently working on trying to fix my credit and take care if debts if I owe.I Contact Penn Credit ( collection agency ) to dispute inaccurate information amount wasn't aware of this bill. XXXX XXXX XXXX XXXX send paper work which I requested and what they sent was not a bill, I contact Penn Credit on XX/XX/XXXX they sent back paper work which they couldn't understand, So they contact XXXX XXXX XXXX to send them something concrete and they keep sending back same information.Would like this remove from my credit report, it's been almost 60 days and no results
07/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33073	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
11/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22201	Web
I had a leased car from XXXX XXXX in 2013 and I was just informed by XXXX XXXX that I have an outstanding toll violation in XXXX from XXXX/XXXX/13. I never received notice of the toll violation from XXXX or XXXX Dept. of Transportation. I use an EZ Pass and drove from XXXX to XXXX and the pass registered at all other tolls during this trip. I had no way of knowing if the EZ PAss registered since any notice would have been sent to XXXX XXXX as the owner of the car. PennCredit of XXXX, XXXX is now attempting to collect {$66.00} for a {$4.00} toll after 3 years.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33063	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
05/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92614	Web
On XXXX/XXXX/16, I received a letter from Penn Credit Corp stating that this was a debt collection for a deposit of {$1500.00} made to my bank account by " Checks by Phone ''. I have never even heard of " Checks by Phone '', and have most certainly never received any kind of deposit from them. The letter was dated XXXX/XXXX/16, but the supposed deposit was dated XXXX/XXXX/16 - that is n't even possible. When I searched for Penn Credit ( aka Penncredit ), I found pages of complaints from other consumers. This is a completely fictitious, fabricated " debt ''.
07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30305	Web
I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city.
07/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19064	Web
Penn Credit Corporation continually called our home trying to collect a debt we did not owe with a false account number and amount owed. The woman on the phone demanded a credit card to pay off the amount due immediately. I refused to give information over the phone and asked for the creditor and account number for the amount due. I then called the City of XXXX revenue borough to make sure that I did not owe money. Penn Credit had given a false account number and tried to collect over {$4000.00} not owed the city of XXXX. I can only assume this is a scam!
12/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
Penn Credit, XXXX, has left two messages on my phone stating the call is about a debt. They don't ask for anyone by name, I haven't received any written correspondence about a debt, I'm paying all my bills as agreed, and I've checked my credit reports to verify that there are no unknown accounts on them. It sounds to me like they're fishing for business, hoping someone will fall this and give them personal information. It also seems to me that they've disclosed too much by stating the reason for the calls without verifying that they have the right party.
04/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 080XX	Web	Older American
Company Penn Credit Corporation calling repeatedly in attempt to collect from a deceased relative that NEVER lived at this address or phone number. Refuses to explain how they got this phone number and refuses to stop calling, asks for the phone number dialed, even though they dialed the number. Employees are rude and obnoxious in behavior and calls are originally Robo calls followed by a live person. I have told them repeatedly that this person is deceased for approx. 10 years but they refuse to take action to cease and desist. This is obviously a scam.
03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.
08/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02130	Web
Penny Credit as agents of XXXX who wouldnt remove the hold from my account stating that I needed to pay it to remove the hold forced me to pay Penn Credit Union because I was at the RMV and wanted to pay my registration renewal. They after being paid for the ticket number XXXX which is reference for invoice number XXXX stated that I only owed {$3.00} and despite any collections should have not had a hold on my account because they had sent to collections improperly or were only owed what they sent and is visible on said ticket & invoice respectively.
11/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web	Servicemember
I have sent XXXX letters asking for validation of debt and proof of where debt came from, where it was opened, address on file, and have not gotten a response for what i have asked. I made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a XXXX or proof of debt in validation letter or deleted from my report. This debt was sold to multiable collection agencies and was resolved earlier this year as fraud by the first one and not XXXX more have been assigned to it
02/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94531	Web
I have been harassed by a collection agency side 2019, a request for payment from PennCredit Corporation, stating that I owe an amount of {$350.00}, product : XXXX XXXX service date:XXXX creditor : XXXX XXXXXXXX. I have been calling to the number on the letter but no one answers, send an email requesting further documentation such as invoice with credit card used but did not received any response. I believe some else used my name and personal information to purchased this product. I have never contacted this company to purchase the product above.
03/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 175XX	Web
I was unable to continue to pay my rent and voluntarily moved out of this residence. I contacted and closed my electric account and was told that the service would be transferred into my landlords name. It was not and I was unaware that I was still being billed, even after an order of possession was grated to my landlord I was still being charged for electric services. I have attached the Court information and can provide additional information proving I moved out of this residence and I am not responsible for the excess billing at this address.
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NY 12901	Web	Servicemember
XXXX XXXX XXXX, Penn Credit Corporation and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
08/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48219	Web
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$520.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verificaiton and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
12/15/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CT XXXXX	Web
Company has called 3 times since XXXX, and I finally picked up today. Company does not identify self. Refuses to state what call is about, only states this is in regards to an " issue at our office '', no other information. Immediately asks for my address, doesn't explain why. Had to search number to identify business, which states they are a debt collector even though they are illegally misrepresenting themselves. I have no debtprobably why they are refusing to identify themselves. Will continue to report this company for illegal practices.
02/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30135	Web	Servicemember
I personally went into the office of the XXXX XXXX XXXX XXXX XXXXXXXX, and was told that the request to reconnect services at my old address did not indeed come from my email and therefore the balance was not owed. However, a few months later this account appeared on my credit report, with no written notice that I even owed anything. The deposit I previously had, had covered the bill in full up to the date of termination that I occupied the residence. Please see the attached eviction, as confirmation that I no longer occupied the premises.
02/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX XXXXX	Web	Servicemember
I received a notice in the mail from PennCredit corporation stating that I owe them {$650.00}. They stated that the original debt was from the department of motor vehicles but they would not tell me which DMV or state. I explained to the collector that I have lived in XXXX since XX/XX/XXXX and I have no bills. I applied for a mortgage in XX/XX/XXXX for a rental property there was nothing in my credit report. I applied for a home mortgage in XX/XX/XXXX. My credit report was clear. I have purchased at least XXXX vehicles since XX/XX/XXXX.
09/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32707	Web
I do not know how Penn Credit Corporation obtained my information. I've never resided in Pennsylvania and I have attempted to identify the breach of my information. I have also challenged this derogatory with the credit bureau 's who validated the debt without investing at all, rendering a verdict within days ( Report NumberXXXX Date generatedXX/XX/2020). According to FCRA I am entitled to due process in reference to Pennsylvania law should not reflect due to statue of limitations. I've never received literature to upload on this complaint.
04/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29730	Web
Penn Credit Corporation decided to put unverified information on my credit report report. I filed a cfpb complaint about a debt reported on my credit profile and they claimed to have sent it to the address that the original company sent to them. I called the company and they can not seem to find any balance that I could have owed them. At this point Penn Credit corporation is in violation of at least 8 FDCPA regulations. Each violation is listed on the attached notarized affidavit. Along with the invoice for the charges for each violation.
05/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32309	Web
I have previously reported Penn Credit Collection for attempting to collect a debt from the City of XXXX utility department in which Ive provided extensive documentation of emails and calls logs that not only prove my claims of not owing this debt but also contradict this companys claim that I have not been in contact with the City. Despite the provided evidence, Penn has stopped responding and the debt collection remains on my credit reports making it impossible for me obtain the funds I need for basic needs including a utility account.
06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18940	Web
Penn credit Corp. and XXXX credit bureau are falsely reporting a collection to my credit history. Account listed I have no record of and my PECO bill is paid and current and has been for many years. Furthermore Ive never authorized given or allowed pen credit Corp. to have any of my personal information including address date of birth Social Security number so on. or access my personal credit report. I believe that the collection account is a mistake a fraudulent account identity theft or simply belongs to someone with a similar name.
01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33184	Web
My bill of {$330.00} from XXXX XXXX XXXX XXXX UTILITIES was paid in full after being notified of the balance due. This payment took place prior to shutting my services as I was moving to a new home. I am now being charged by PENN CREDIT CORP for a balance that has already been paid. I was never notified by XXXX XXXX XXXX XXXX UTILITIES that this balance was being sent to collections. Because of this, I now can not get approved for an apartment because of this mark on my credit and the company will not help me with this unfair situation.
10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33619	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
01/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10703	Web
I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment?
10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 119XX	Web	Older American
Penn Credit Corp has filed an unpaid debt of {$4900.00} under my name to the 3 main credit reporting agencies, XXXX, XXXX, and XXXX which has had an adverse effect on my credit report. I have disputed this debt because they have no supporting records that I owe this debt. In fact they are asking me for documents to accompany my dispute. Since I have no knowledge of this debt since it most likely is past the statute of limitations, I'm filing this complaint with the FTC so I can send this to Penn Credit Corp to accompany my dispute.
04/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33619	Web
I submitted a dispute to XXXX XXXX XXXX XXXX disputing the reported amount due from PENN CREDIT CORP # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however XXXX XXXX investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through XXXX XXXX. I've attached a copy of the statement from XXXX.
02/15/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11542	Web
Multiple times per week for the past 2 months we have received automated calls from Penn Credit ( based on caller ID, as they never state their name on the message ) stating " we have a personal message for you. Please Press 1. I did not hear your response. Please Press 1. '' This goes on several times before they 're machine ends the call. We have perfect credit and do n't owe anyone any late or unpaid debts. I 've XXXX this company and see that they harass as part of their regular MO. Please have them stop calling. Thank you.
01/02/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 78641	Web
Penn Credit called me repeatedly after asking them to stop due to an illegitimate debt. The Agent on the call today took an extremely aggressive tone from the start and got more rude when I asked for a moment to verify that their phone number was one from the company they claimed to represent ( Penn Credit ). I asserted my rights not to be treated abusively and was escalated to a manager whom I informed that I would be filing this report, requested that they review the recording and requested again that they stop calling me.
08/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19320	Web
I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes even though i have sent them certified mail and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
10/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11210	Web
I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.
06/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
In 2019 I was having medical issues and needed to be taken to the hospital by ambulance with the city of XXXX. At the time I was and still am insured with XXXX XXXX XXXX. I gave them insurance companies information. I have since called the city of XXXX and provided them my insurance information from XXXX XXXX XXXX. They were suppose to charge my insurance company. To this day they are still trying to collect the debt from me using a 3rd party collection agency Penn Credit Corpeven though I was fully ensured at the time.
04/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 070XX	Web	Older American
On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you
10/29/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43227	Web
A company called XXXX XXXX XXXX keeps calling my home looking for someone i do not even know. I had explained to them that i had just received a new number from the phone company and that they now had the wrong number for the person they are looking for. The man on the phone called me a liar and they continue to call even after i told them not to call my home, and that they have the wrong number and that no one lives here by that name and that i dont know any person by that name they sill call over and over again!!!
01/10/2017	Yes	Credit reporting	Incorrect information on credit report Account status	NJ 080XX	Web	Servicemember
At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/ XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32312	Web
I have inaccurate addresses on my consumer report ( XXXX, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PENN CREDIT CORPORATIOXXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10457	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account is a duplicate reporting of debt reported by another collection agency. I want to inform you that the debt you are reporting is invalid as I already made a full payment on this amount.. My financial reputation is seriously damaged by keeping this on my file.
01/03/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28409	Web
Under unfair practices, 15 U.S.C. 1692f it states that debt collectors may not Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business. On the letter I received was a symbol for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Anyone can read my letter and see that there is an attempt to collect a debt on me and that is extremely embarrassing.
01/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27526	Web
I received a notice from Penn Credit about a debt from XXXX XXXX that doesnt belong to me. The notice stated if I wanted to file a dispute I had until XX/XX/XXXX to do so. It also stated I could file my dispute online using their email form to complete which I did on XX/XX/XXXX more than enough time from the XX/XX/XXXX deadline to file a dispute and that more information on validating the debt would be sent to me after the filing of my complaint therefore this collection shouldnt be listed on my credit report.
11/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
I called Change Health Care the original bill collector for this debt owed to city of XXXX I told them that at the time of this ambulance ride I had insurance and that this would need to be charged through to my insurance. They resubmitted the claim to my insurance and my insurance company paid it on the XXXX. This is not shown on my credit report as I still have a collection on my credit report from Penn Credit for the amount of {$510.00}. This needs to be removed as it is stopping me from being able to move.
06/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19132	Web
On Saturday XX/XX/2022 whole checking my credit report I noticed a drop in my score. With further research I came across a collection company that I had no previous interaction or knowledge reporting falsely on my credit. I have no way of contacting this company because no letter or phone call have been placed to contacting me. So I went on the internet searched the company called the number got no contact.. Thats when I contacted the police and filed a complaint of fraud XX/XX/2022 that I put in the photo.
02/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NJ XXXXX	Web
On XXXX XXXX, 2015 I received in the mail a notice from Penn Credit Corporate, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for a delinquent bill. I live in XXXX and never lived nor visit XXXX Demanding {$45.00}. For a public service bill. For my previous address. However I did not have a XXXX account. If I did I would have assistance due to low income. I did not receive a bill from XXXX itself. I would never be negligent paying my bills. This is very upsetting. Therefore, I think it 's a scam ... Thanks
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95336	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
03/24/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 43615	Web
On XX/XX/XXXX of 2019 I contacted Penn Credit Corporations in an attempt to get a debt verified and the representative was very disrespectful and told me because I had previously asked about a settlement offer that the requested offer was validation and I tried to explain that I asked about the offer simply because I didnt want anything reported on my credit negatively. They failed to give me an address for the reported XXXX XXXX account. I have disputed this matter with the bureau and havent heard back
05/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. I am a litigious consumer and intent to use my right to clear my good name.
08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33076	Web
The City of XXXX collection on my credit report being collected on by Penn Credit # XXXX needs to be removed from my credit. Penn Credit is attempting to collect on a debt that is not owed and was paid directly to the City of XXXX. Attached you will find a copy of the paid in full plus fees letter from the City of XXXX. Due to this being paid directy to the City of XXXX, this collection on my credit report is no longer valid and is illegal to be on my credit per the Fair Debt Collection Practices Act.
11/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 780XX	Web	Older American
I 've repeatedly gotten calls from Penn Credit Corp. I called today XXXX/XXXX/16 to have them stop calling and talked to a XXXX XXXX who stated she was looking for XXXX XXXX. When I ask for the first name she was very elusive. My name starts with a XXXX, but I have no outstanding bills that a skip chaser would be looking for me. I requested the calls stop and stated that I would file a complaint to insure they did. The address for Penn Credit Corp is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
08/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00693	Web
I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, S.S.A, I even sent documents and called XXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a XXXX employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS. I also called today at XXXX
08/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27265	Web
We are receiving a collection from Penn Credit Corporation originally owned by XXXX XXXX XXXX ( XXXX ) toll bills amounting in {$190.00} for a former truck that was leased under the company by XXXX XXXX of XXXX XXXX XXXX XXXX, NC XXXX owner of XXXX XXXX XXXX DOT XXXX is no longer leased under the company. He can be contacted at XXXX. I have attached the leasing agreement and a page from our company 's NC XXXX Renewal Packet showing we only have XXXX truck under our company with license plate XXXX.
02/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 175XX	Web
For the past few months I've been disputing a collection on my credit to receive more information. All of a sudden all the mail I sent to Penn Credit got returned to me because their address is incorrect. This is the address that I got from my credit reports. They are not reporting their address correctly, and so I have received no verification of this debt. They never mailed me anything, EVER and I found them on my credit report, I know they are not reporting accurate information. Please help me!
12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 323XX	Web
I checked my credit report and saw an account from Penn Credit for {$650.00}, original creditor is City of XXXX XXXX. I never received a letter about this delinquent account via mail, violating the FCRA, which states I'm entitled to a notice giving me at least thirty days to dispute the validity of the account. I have never had an account with the city of XXXX because i have always lived with my husband, and he takes care of our bills. Everything is in his name, so this has to be identity theft.
04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30314	Web
I never lived in Virginia or had and power service in Virginia I have tried to dispute this numerous times and they keep saying they disagree. Someone use my info and ran up a XXXX $ bill in electricity. It's not me or my authorization of this bill or account. I need it removed.I have not supplied proof under the doctrine of the estoppel by silence. Engelhardt v. Gravens ( XXXX ) 282 SW 715. 719.! I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist.
03/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 208XX	Web
Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX XXXX XXXX
02/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23464	Web	Servicemember
I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with.
05/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 338XX	Web
This bill was paid thru the original creditor - XXXX XXXX for {$510.00}. Penn Credit refuses to take their name off my credit report because we did not pay them but instead paid the creditor directly and it has been paid in full for a long time. I have called numerous times and explained that they shouldnt have their name on my credit report and the account was paid with the original creditor and they refuse to take their name off my credit. This account needs to be removed. Thank you.
02/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web
DMV in Texas does not have my apartment number listed on my registration, despite me showing proof of residence with my lease. Toll bills have not been sent to my mail. Signed up for XXXX and was assured my account was clear as that was they only way they were able to add my license plate to the account. Received a letter in the mail from Penn Credit Collections company with the apartment number listed. I never received ANY toll bill in the mail, therefore, could not pay the original bill.
08/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32256	Web	Servicemember
I received a letter in the mail from Penn Credit ( ID Number : XXXX ) on XX/XX/XXXX stating I owe a balance of {$160.00} from XXXX XXXX XXXXXXXX XXXX ( account XXXX ). However, when I called the original merchant/creditor, they state there is no record of a balance being owed nor did they solicit Penn Credit to collect any debts. This balance was paid months ago ( payment confirmation : XXXX ) after I closed out the account with the XXXXXXXX XXXX XXXXXXXX prior to relocating to XXXX, FL.
04/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10304	Web
I called this company to get information as to why they are reporting on my credit report. they could not give me an answer but simply mailed me a letter to my home address. I have never done business with the company when I called I asked for proof of what I owe. the letter has none of such. the only specification is delinquent utility bill from XX/XX/14- I have not had a utility bill in my name in 2014. I attached a copy of the letter and my tax return to show proof of my address
08/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23666	Web
My identity was stolen in 2012 to open a utility account. Penn Credit Corporation ( debt collection agency ) stated that they needed a copy of my license, proof of residence ( lease ), and XXXX Police Report in order to have the account removed from my credit report. I provided them with everything that they needed and they still have not removed the item. I have already disputed the items with the credit bureaus. I will attach the documentation they requested to this form if allowed.
12/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web
I have disputed debt withXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PENN CREDIT CORPORATION Original creditor : XXXX XXXX XXXX XXXX for {$820.00} on two previous occassin XX/XX/XXXX and XX/XX/XXXX. Both attempted they have informed me that they were able to verify that the debt was acutally mind. I was a victim of idenity theft. I have asked them on two occassins to send documentation proving the debt on my credit report is mine. I still have no recieved any documentation as of today.
11/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19142	Web
I picked the best options to describe my issue. Penn Credit Corporations has reported the same debt on my credit three times, days a part and I feel as though they are personally attacking my credit on purpose. They reported it on XX/XX/19 XX/XX/19 and XX/XX/19 and its all the same bill, yet they reported it purposely 3 times to my credit as if to threaten my credit score. I understand that the bill is mine to pay, but for them to keep posting it in an attacking manner is not right.
02/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web	Older American, Servicemember
I have been getting threatening calls on my cell and home phones from XXXX XXXX XXXX for about 3 years. The person they are looking for has my same name, the Social Security number and date of birth is different than mine. I have explained this to them to no avail. The last call was XX/XX/20019 at XXXX XXXX. They call almost on a daily bases leaving messages. What can I do to stop this abuse? My credit is very good. I do not owe any money at all to anybody. Thank you for your help.
03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 342XX	Web
This claim regards labwork that was covered 100 % by XXXX.I sent in an appeal to XXXX. I did not find out about this balance until XX/XX/2016. I immeditaely addressed this by sending un an appeal.I contacte myXXXX XXXX office and requestsed that they submit a corrected addendum if XXXX codes to correct this bill by XXXX. I am still wainting on a response. XXXX covers all pre-screening and preventative lab work. I am not responsible. Please remove from collections. Thank you XXXX
04/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19606	Web
I was incarcerated at this point of time, also I could not find a way to discontinued the service, and they continued to run the service while I did not even live at the location. I also was unaware that the service was still on while the bill was not paid for, and they let it run to over {$1000.00} dollars with it unpaid! How is this possible when they should discontinue the service after one bill is not paid for or tried to contact someone after one bill is not paid for.
12/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90503	Web	Servicemember
I'm writing on behalf of my father who does not owe anything to anyone. The company named Penn Credit Corp has been harrassing him for months. These are the dates and times this phone number XXXX has called him at his home : XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX If you would please them stop we would appreciate it!
03/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29730	Web
I opened my credit report and noticed that Penn Credit Corporation is attempting to collect a debt that I do now owe. My balance with XXXX XXXX XXXX has been situated since 2018. I have not lived in Connecticut since and the information they are reporting on my credit report is completely in accurate. I have attached a screenshot of my XXXX account as of today and it is reporting a zero balance, I also attached a copy of the letter that I sent Penn Credit Corporation.
08/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27511	Web
The utility debt is during a time I was not located in the state. I only lived at the address in question from XX/XX/2020 to XX/XX/2020. The utility service was to have been ended and transferred back to the lease holder of the New York apartment. ( I was subleasing and later discovered I was not even subleasing legally. The landlord changed the locks when I went out of town for a XXXX ) I was not informed of the bills stacking until I received a collection notice.
06/12/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 24153	Web
This number keeps calling over and over and over again without leaving any kind of message at all. They even call us on Sunday. They have called 4-5 time within about 15 minutes. I don't know what they want because of not saying anything and hanging up just as soon as the answering machine gives the reply beep. I'm tired of getting these calls. I have never gotten a bill or anything from them. I never heard of them until they started calling me about a month ago.
08/23/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32117	Web
Debt Collector called one of the lines on my phone plan which was not my number. They went into detail and advised I owed {$700.00} for a bill in Pa, that I did not disconnect service and the company did not until 2 months later. I moved in XXXX 2016 they stated XXXX 2016. They argued that they wanted it to be known. This is untrue and embarrassing that they called someone with my personal information and gave full details. I have n't received anything from them.
05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44685	Web
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Penn Credit Corp with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
05/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 330XX	Web
Penn Credit XXXX keeps calling and leaves no message, I called them back and tried to tell them it 's been handled by my medical insurance and they just keep talking over me. I tried to tell them to stop calling and they talk over me. One person hung up on me and another named XXXX XXXX left me on hold claiming to get a supervisor. They just keep talking not allowing me to tell them to stop calling. They do n't care what you say they just keep talking over you.
10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19150	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENN CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
10/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 116XX	Web
Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.
08/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 339XX	Web	Older American
Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you.
04/01/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	PA 15146	Web
I received the debt collection notice in XXXX but this matter has been going on since XXXX and could be years before that without my knowledge Company directed me to file a complaint with FTC per my personal information and identity being stolen, used to create two separate utility bills in my name in a different state. Amounts equal to {$800.00} company can not help until confirmation number is given by you and faxed to them to then create police report.
01/07/2018	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	CT 060XX	Web
Daily calls four times a day. I spoke to PENNCREDITCORP at XXXX to stop calling me. They started calling more. I got calls yesterday at XXXX, XXXX and XXXX. It rings and then stops right away. It shows up on my phone whos calling but if I look up recent calls it doesnt show up. This is very annoying and has been going on too long. If this isnt resolved I will contact the police and report them. I dont have a debt with this company or any other company.
11/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PENN CREDIT CORPORATIO XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
12/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10468	Web
I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system
07/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19147	Web
I received notification that a $ XXXX balance was posted to my credit report from a company called Penn Credit Corp , attempting to collect for XXXX XXXX XXXX. This was surprising, since I have not even lived in XXXX for 5 years and had always paid my XXXX bills on time. Penn Credit Corp and XXXX have not been able to prove to me how I incurred these charges. My account on XXXX 's website doesn't even work anymore, so I have no way of checking myself.
10/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 26003	Web
Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.
11/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web
On XX/XX/XXXX I got a notice from XXXX that Penn Credit had reported a negative account to my Credit Report. Today XX/XX/XXXX I get a notice that they updated the negative reflecting it is negative as of XX/XX/XXXX but was opened in XXXX. I have never received any written notice from this company of any debt prior to the collection being placed on my credit and have no knowledge of owing them or XXXX XXXX as I have not lived in XXXX Florida in years.
03/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11218	Web
Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.
02/13/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34601	Web
I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.
03/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33328	Web
Penn Credit have attempted to collect a debt not owed by me. Rather than conduct any effort at due diligence, they have pursued me simply because I have a similar name to the debtor. This business practice is reckless and may be illegal. On XX/XX/18 Penn Credit wrote to me in an attempt to intimidate me in to paying a debt of {$920.00} owed by someone else. Penn Credit has refused to cease and desist in their harassing and bogus collection efforts.
07/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 080XX	Web
I had went to a furniture store one day an had the guy at the desk run my credit to see what I could be able to be approved for and they ran my credit muiltiple times but I left because I wasnt ready to make the purchases and a couple months later I ran my credit and seen that I had a credit collection for the dept of XXXX $ and I never got any furniture from the furniture store so now I dont know what to do to take that dept of my credit report.
01/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18018	Web
A debt for XXXX XXXX was put into my name but the got sent to a debt collector ( Penn Credit Corp ). I called to get the debt off of my credit report. My mother called the company and set up a payment plan by putting it in her name. The bill is still on my credit and Ive filed a dispute with XXXX and Penn Credit Corp has still not taken the debt off of my credit so my Credit score continues to go down even though the bill is in my mothers name.
10/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30318	Web
To whom it may concern I am writing to request, that this debt please be deleted from my credit history report, You may verify with the source and I have included their contact details According to the Fair Credit Reporting Act ( FCRA ) Section 602 ( b ) I am permitted to have accurate and true information reflected in my credit report. To accomplish this I am requesting the collection from ( Penn Credit ) be deleted as it was on XXXX Thank you,
01/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14224	Web
Penn corporation was notice on my credit file recently saying that they bought the debt in XXXX but I advised them that I previously paid it with the last debt collector.they stated thats not true and I owe.my previous credit report should reflect this information.I am currently looking through my belongings because I have moved and a lot of my things are still packed up.I have retained a lawyer and I was advised to contact this agency first
09/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33433	Web
I got a derogatory note on my credit report from PennCredit ( Collection agency used XXXX XXXX ) for an amount of {$600.00} ( balance ). It was reported XX/XX/2022. I have spoken with two representatives from XXXX XXXX and PennCredit to validate the debt. The services for this debt were provided in Texas ( XXXX XXXX XXXX XXXX, XXXX, TX ). I have never lived or visited Texas. I can prove I've been living in Florida for the last 6 years.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32818	Web
In accordance with the fair credit Reporting act PENN CREDIT CORPORATION has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20708	Web
This debt has been disputed, and was in my favor. It has already been removed from my credit bureaus before with the other collection agency that it was with before. This is not my debt. This company continues to harass and call my phone multiple times a day, and one point pretended to be someone else. Now once again this is being reported to my credit bureau accounts and causing harm and negative impacts to my financial situation.
07/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11105	Web
There is a derogatory mark from Penn Credit Corporation XXXX XXXX XXXX XXXX, PA XXXX On my credit report. I have received zero communications from them. No letter, no opportunity to dispute debt, just a {$2700.00} charge for I don't know what on my credit report for a month now, with zero information. I tried to contact them and without a " customer ID '' from the letter they were supposed to send me, I can not reach out to them.
08/29/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 18103	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
09/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92374	Web	Older American
For the past two months, I have been receiving from Penn Credit Corp. a debt report. They want me to pay for something I never got or asked for. I called them but they refuse to give me information about what I have supposedly bought from some media company. They also refuse to give a phone number of that company so I can cancel this monthly transaction of {$34.00}. They listed the date of XXXX as the beginning of this purchase.
06/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97223	Web
This company called PENN Credit collections has put a negative remark on my credit report. I see allot of negative reviews nationwide. I know I cant reason with them All I see is a false claims from Utilities from year XXXX for {$430.00} All it says. I am disputing this Probably just trying to bilk me out of monies. If thats all I see then my thought is Fraud This company should be closed by the Government ripping people off.
11/09/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 95126	Web
This company ( Penn Collection ) has been calling my number for several months. At some point in the past they woke me up before XXXX with their call and I answered. They asked for a specific person but I don't know who this is. I've never heard of them. I told them I don't know them and they thanked me and said they'd update their records. Weeks later the calls resumed. I'm still receiving them and almost always before XXXX.
11/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
Penn Credit Corporation are attempting to extort and rob me using deceptive, misleading, and abusive practices against me personally, my family, and my household. This is criminal activity at least and unacceptable by every means. This is notice that I do not recognize the Respondent from which the Claimant has received a computer-generated account statement, and I must necessarily dispute, part, or all, of the alleged debt.
02/13/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	LA 70815	Web
XXXX XXXX XXXXXXXX filed a collection. I had filed police report and froze my social security number. Also filed filed with Federal Trade Commission and it was removed couple of years ago but XXXX put it back on my report. This is fraud as someone used my social security number. I had to unfreeze it because I lost my home in hurricane Ida and I had recently retired. This account is not mine and someone stole my information.
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84020	Web	Older American, Servicemember
Upon checking my credit report I discovered a debt collection from Penn Credit Corp. for {$160.00}. This was for utility services from XXXX XXXX XXXX XXXX. Someone applied for these services using my name and social security number fraudulently. I contacted the credit company and they sent a bill of collection asking for a police report and documentation that these charges were not mine. This report is one of the documents.
10/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17201	Web
I was aware of a item on my credit report that's doesn't belong to me, I contact the collection company and ask them to provide me some proof that it belong to me and all they send is my name printed on paper with a address on there. this item on my credit file doesn't belong to me and the collection company won't investigate or remove it from my report.Can CFPB help me getting this false information remove from my report.
11/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
On XX/XX/21 and XX/XX/21 I send debt validation letters to Penn Credit Corporation and XXXX to validate the debt of {$200.00} they are saying that I owe. As of today no bills or any other documentation has been to sent to me as a form of validation. The claims were supposedly investigated. I asked for proof and nine has been sent. I has not received any Medical service from the original company they are saying that I owe.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OH 432XX	Web
This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This Penn Credit ( AEP ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 231XX	Web	Servicemember
A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.
05/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
Received Collection notice from Penn Credit Corporation Ref # XXXX on XX/XX/2022. Letter is dated XX/XX/2022. trying to collect a debt for XXXX XXXX Acct # XXXX that was opened in my name in Texas. I live in Pennsylvania and have never been to Texas. I believe my identity was stolen and have made a police report. I am sending Penn Credit the required information on XX/XX/2022 that they requested for correct this error.
01/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07208	Web
To whom it XXXX concern : i am writing to you because you are reporting inquiries on my report that i do not recall. Please see items listed below. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please forward me any documentation providing proof i applied for credit with this creditor. if you can not provide such documentation, then please remove this inquiry from my credit file immediately.
08/12/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80203	Web
Penn credit contacted me today for second time asking for XXXX XXXX. I asked them this time what kind of debt it is and who is it owed to. They kept saying they can not BY LAW give me the information. I told them and their supervisor that I am not asking for any account detail to see if any sort of truth to their harassment. They did not. They also put me on silent, dropped the call, mouth off among other things.
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23602	Web
This debt was identity theft. I spoke with the reps serval times about this matter from XXXX XXXX. A rep also told me this bill was paid. I asked why its still on my report??? I was supposed to receive checklist and email me as well but never did. I told them that I never lived at the address that was on the bill as well. They told to do a police report, XXXX removed the debt but its still reporting on XXXX and XXXX
11/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 952XX	Web	Older American, Servicemember
Received debt collection letter dated XX/XX/2022. For debt incurred in XX/XX/2022 through XXXX XXXX in Texas. Address XXXX XXXX XXXX XXXX Texas XXXX. I have never lived in XXXX. I live in XXXX and have lived here all of my life. I am currently a XXXX XXXX in the XXXX XXXX XXXX I have a background check done twice a year. The amount incurred is $ XXXX This is my XXXX claim for credit fraud in other states as well.
10/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
I received a letter from Penn Credit Corporation, trying to collect a debt from XXXX XXXX in Texas, where my social security number appears. The debt does not belong to me, because another name appears that is not mine, and on the other hand I do not live in the state of Texas. The company was called and they indicate that the service was used for 16 days. The company XXXX XXXX is charging the amount of {$96.00}.
03/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 711XX	Web
I XXXX XXXX Received a letter from Penn Credit Corporation stating I owe a debt which is a violation pursuant to 15 USC 1692b ( 2 ) that states any debt collector shall not state that such consumer owes any debt. I also did not consent to my information being stolen or sold to any alleged debt collector.Pursuant to 15 USC 1692c ( a ) ( 1 ) i gave no consent to Penn Credit Corporation to contact me at anytime.
07/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following company is affecting my credit : PENN CREDIT CORP
06/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17403	Web	Older American
We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. Help!
12/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
On XX/XX/2022, I sent Penn Credit Corperation a certified letter requesting debt validation on an alleged debt they added to my credit reports without informing me first to allow me the opportunity to dispute the validity of the alleged debt.They ignored my request and continue to report this alleged debt to the credit reporting agencies. I am demanding that they delete this account from my credit report.
12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08701	Web
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). PENN CREDIT ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX
02/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American, Servicemember
I owned a rent house in XXXX XXXX, CA that was sold in XX/XX/2018. The water company, XXXX XXXX was paid what they were owed prior to my leaving the United States on XX/XX/2018 and I am now living in XXXX XXXX. The water company wrongly sent me to a collection agency for a debt I did not own when the service was for XXXX when I no longer owned the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48197	Web
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
05/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29456	Web
This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.
04/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 50613	Web
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with PENN CREDIT CORPORATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
10/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44105	Web	Servicemember
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. Here are the account that are not mine : XXXX XXXX XXXX # XXXX
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77072	Web
XXXX XXXX XXXX is reporting a debt from XX/XX/2013. It is not my debt. The original creditor refuses to furnish written proof that it 's my account. They have stated that all correspondences were returned, but Penn Credit is saying no mail was returned. I was never contacted regarding this debt before it was placed on my credit report. Other bureaus have removed the account XXXX refuses to remove it.
05/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15642	Web	Older American, Servicemember
We keep getting repeated daily phone calls from a Penn Credit Corp XXXX . We DO N'T OWE anyone any outstanding debts period. We are both XXXX senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over XXXX years.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web
Penn Credit Corporation : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance. XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
02/19/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30253	Web	Servicemember
Penn Credit Corp attempted to collect a debt that has been paid in full with the City of XXXX XXXX. The amount that Penn Credit has placed on my credit report is incorrect and also paid in full. They claimed that this account was opened on XX/XX/2016 for the original debtor City of XXXX XXXX, GA. I have disputed this with the company as well as the credit bureau and they claim I owe this to them.
03/12/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IL 606XX	Web
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue. Then all of sudden get this letter from a PennCredit regarding vehicle taxes never register my car for a different state.. I think this is a fraud please help I have supporting document ... XXXX XXXX XXXX XXXX, PA XXXX XXXX
10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web
Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.
09/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
Penn Credit Corp showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
12/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43123	Web
I have contacted this company on several occassions and spoke with the original person that they stated owed the bill. The original company, which was XXXX XXXX XXXX, indicated that this account should not be on the report. They told me that the account was pulled from them. I then reached out to Penn and then they updated it to paid. It should have never been on my report and I want it removed.
04/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 19152	Web
PennCredit Corporation is attempting to collet a debt. I have closed my XXXX account for insufficient funds. I have not used my XXXX account since I called to the agent and I closed it. I just had {$10.00}. Now, they sent a notice of collection. First of all, I am in a hardship ( economy crisis ) and I am not able to pay {$48.00}. They are out of their mind. One again, I have not used the XXXX.?
06/12/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KY 401XX	Web
A phone number ( XXXX ) keeps calling for me asking for someone that doesn't live there and have never lived there. The name they are asking for is different from my last name. I have told them, the person that they are calling for doesn't live there and please stop calling. They call several times a day. This has been going on since XX/XX/XXXX and I have asked them 3 times to stop calling.
08/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 957XX	Web
After initial contact, I sent Penn Credit a debt validation letter in XX/XX/2020 with no response until XX/XX/XXXX of 2020. The request for payment claims I owe XXXX {$260.00} for purchased merchandise. However, I have not been contacted by XXXX and assume they have had ample time to send me a bill. Im not sure if this debt is valid because they have not responded to my validation request.
12/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33442	Web
I sent 3 debt validation letters in XX/XX/2021, and each time the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
01/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 342XX	Web	Servicemember
Recently received a COLLECTION notice from this company, using a intimidation by placing a negative remark on my credit reports to force me to pay a debt that I never signed for, with their company OR their client. I have already made a complaint to the Pennsylvania Attorney General and contacted my attorney under the Fair Debt Collections Practices Act And The Fair Credit Reporting Act!
03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60901	Web
This account was a result of identity theft. I have never paid this company any money and it is reporting on my credit report as paid. I spoke with the original creditor and we were upon an agreement. We were in the process of purchasing property and decided to pay it with the original creditor not to Penn Credit as they are reporting. I do not live at the address where this took place.
01/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 173XX	Web
Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts?
05/31/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 17013	Web
Had a doc visit from XX/XX/2017. Had a XXXX copay tried to use my health savings card but Reilized it was expired. So I payed cash to the office which is part of XXXX XXXX. They have threatened jail time. Law suits, use very profane words when I attempted to contact them. I have spoken to XXXX XXXX about this and their billing told me it was paid by cash. And why am I calling them.
11/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33196	Web
Penn Credit Corporation has sent several letters to my home and has had multiple calls made every week to my home demanding payment for a debt that is owed by an individual I do not know and that does not live in my home. The debt belongs to a woman named XXXX XXXX, is for {$410.00} related to a traffic violation in XXXX, Florida dated XXXX/XXXX/2017 and is under account number XXXX.
03/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19128	Web
XXXX XXXX is reporting a collections account from XXXX XXXX XXXX ( utility ) that was already paid to XXXX. They then reported to the credit bureaus that the collection was paid in full. This is inaccurate. I never paid them and they are still reporting a collections to the credit bureaus. I have disputed this with them and the bureaus and XXXX XXXX refuses to remove the inaccuracy.
09/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60563	Web	Older American, Servicemember
i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!
07/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91789	Web
I received a letter from PennCredit Corp ( reference XXXX ) stating that I owed them {$570.00} for XXXX XXXX ( XXXX ). I do not and have never had an account or dealings with XXXX XXXX. I believe this is a fraudulent attempt to collect money I do not owe. I am requesting that PennCredit Corp stop sending me letters and stop this fraudulent attempt to get money from me. Thank you
06/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	PA 182XX	Web
It was reported on XX/XX/2019 and its def inaccurate because I have spoken to XXXX XXXX and they verified that this info is not accurate at all because the accounts that I have with them is up to date and def not that much money please if something is not done in removing this account from credit I will most def take further action and if i have to it will not be good thanks again
12/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
09/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33612	Web
Previously requested via phone for an itemized billing for the month of service being billed. XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from XXXX XXXX XXXX XX/XX/20 - spoke with XXXX from Penn Credit Corp Previously requested via mail on XX/XX/20
11/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76502	Web
Penn Credit has continually called my phone searching for someone who owes them money, however, I am not that person. I have spoken with multiple staff members in XXXX of 2019 and specifically on XX/XX/XXXX, XX/XX/XXXX, and with manager XXXX XXXX on XX/XX/XXXX. I continue to get robocalls and voicemails asking for the person who owes the debt to call the number and settle.
04/17/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33311	Web
On XX/XX/2019 Penn credit company called by employer stating that it was an emergency for me and to call them back as soon as possible. When further talking to my co workers they have called my place of employment several times I have never received a call on my personal phone concerning this debt and was unaware I owed this debt until my coworkers informed me of the calls
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 484XX	Web
I noticed that I had a medical collection on my credit report so I sent a letter to the collections agency asking to validate my debt, as the law mandates. I sent the certified letter on XX/XX/2021 which was received and signed by one of their agents. They failed to validate my debt in the allotted and have not removed the debt from my credit report as the law stipulates.
10/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10940	Web
I sent in a letter of validation to Penn credit Corp. For a debt that has been on my credit report since 2014. Under the Fair debt collection practices, asking if agency can provide validation under 15 USC 1692g Sec.809 { b }. I sent in my letters because I do not own this debt. After 30 days I received a letter from Penn credit with nothing showing that I own this debt.
06/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 150XX	Web
I have been r eceiving automated phone calls from penn credit corp claiming that they are trying to collect on a debt from XXXX XXXX XXXX XXXX . I have not ordered anything from XXXX XXXX XXXX in, more than 10 years. I paid late then but did pay XXXX . I heard nothing from them for years but just started receiving the collection calls out of the blue..
12/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28092	Web
I have received numerous phone calls from Penn Credit Corporation, or at least that is the name they say they are. The number is XXXX. I have received countless voicemails trying to collect a debt. I do not have any debts in collections, and when I asked these morons who they were calling for, they gave a name that is not mine. These harassing phone calls need to stop.
08/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 329XX	Web
Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.
10/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34655	Web
Penn Credit continues to call not only my cell phone BUT also my work Phone several times a day. I have asked them to stop and they still continue! I have nothing owed as I have had attorneys who have worked with two companies in that past yet random dept collectors still try to call for the same thing that has been taken care of 2 years ago! This needs to stop!
06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
I am a victim of identity theft and have enclosed a copy of my police report Affidavit, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
01/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 863XX	Web
Greetings, I received today a collection notice from Penn Credit Corp., alleging that I owe {$380.00} from a service date of XXXX XXXX, 2018, for a purchase of " ordered merchandise '' from XXXX. It is Penn Credit ID # XXXX. I never made this purchase from XXXX. I have never purchased anything from XXXX in my life. Thank you for any assistance you can provide.
05/14/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33460	Web
The debt collector called my Father and told him that they were looking for me to collect a debt. I called the debt collector after my Father told me they called him and I paid my debt promptly. I told the collector that I would be filing a complaint with the Consumer Financial Protection Bureau as I was completely embarrassed and hurt that they called my Father.
10/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 95060	Web	Older American
Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. please help, XXXX XXXX
08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32168	Web	Servicemember
I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # XXXX.
05/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 165XX	Web
There is an open balance on my account from XXXX XXXX In the amount of XXXX. This action was opened on XX/XX/2017. I have tried to set up payment arrangements at the time of original collection and it wasnt able to be done. My financial situation at the time would not allow a debt of this magnitude to be paid. The company has since sent the debt to a creditor.
09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NJ 07104	Web	Servicemember
I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.
06/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 175XX	Web
I tried to write a letter asking for validation of a debt to Penn Credit. That mail was returned to me. Penn Credit is required by law to report 100 % factual data to the credit bureaus. My dispute was written to the address provided to XXXX. They obviously are not reporting factual data to the credit bureaus, their address is not even correct. Please help me!
01/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78753	Web
XXXX called me. Called back at XXXX They do not identify as debt collectors. They take a threatening tone and say they are calling to resolve a personal business matter and refuse to identify the debt they are attempting to collect or the amount and say that I have to give them their address or they will not identify the account they are attempting to collect.
08/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 315XX	Web
PENNCREDITCORP called on XX/XX/2018at XXXX EST and said ( in a recorded statement ) that they were collecting a debt that I owed. The amount was {$160.00} ( I did not get the exact amount ). At no time die they say who I owed the debt to. they only demanded that I do not owe anyone. I just have monthly credit card bills which I pay off, in full, every month.I
06/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07083	Web
Penn credit h as an account there saying was opened XXXX XXXX 2017 in the amount of XXXX dollars. I have never had an account with penn credit or the company there pertaining to. Please provide proof with my signature authorizing this account to be opened or please advise penn credit to remove this account from my XXXX reporting credit agencies.
08/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 165XX	Web
I have 2 collections on my credit for XXXX XXXX for {$310.00} and {$250.00} and I have talked to them repeatedly about it and they have no idea about it because when I got my electric turned back on they added those amounts to my current account and they told me to try and get it taken off by either disputing it or getting ahold of collections. Please help
04/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18042	Web
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33055	Web
Original Creditor : City of XXXX XXXX Current Creditor : Penn Credit Corporation Account has been reflecting paid off 100 % since XX/XX/2021, however, it is still showing as a collection on my credit report. The negative information is stopping my ability to obtain and acquire new credit. My request is that this false information is removed. Thank you.
05/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web
I am repeatedly receiving robocalls from Penn. XXXX XXXX XXXX. regarding a debt owed to XXXX XXXX XXXX for {$38.00}. I have contacted XXXX XXXX XXXX directly and I owe no debt to them at all. I believe this to be a scam. I have reported this to XXXX Fraud Alert as well, but I continue to receive these calls. I have not called Penn. National directly.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 323XX	Web
There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX XXXX : account # XXXX
04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10029	Web
Im currently working with a financial advisor in order to repair my credit. I saved up for months to be able to pay the debt and was under the impression it was already removed from my credit report considering I no longer owe them with that said the account is still reporting on my credit report and affecting me negatively despite all of my efforts.
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web
This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXPENN CREDIT CORPORATION # XXXX
05/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 109XX	Web
XX/XX/XXXX {$890.00} potentially neg XX/XX/XXXX {$190.00} potentially neg XX/XX/XXXX {$56.00} XXXX XXXX XX/XX/XXXX {$3100.00} potentially neg. I did not open any of these accounts, i have not been employed since XX/XX/XXXX. Someone has used identy theft against my name. I did not giv permission for these accounts to be open nor did i sign anything.
03/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97202	Web
Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.
01/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web
I am a victim of identity theft which I reported last year. This debt was on my credit report and I reported as fraud. It was removed from my credit reports. The collection agency has once again added it back on my credit report! I never opened an account and have explained it multiple times to them. Please remove this account from my credit report
08/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 183XX	Web	Servicemember
I have unsuccessfully tried for years to get a account validated from Penn Credit Corporation and they have refused to send any documentation besides Account verified Yeah? By who exactly? It is my right to request this information and did not have prior knowledge of the fact they are legally obligated to send me all records pertaining to my debt.
10/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32503	Web	Older American
There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 078XX	Web
I have no business relationship with PENN CREDIT CORPORATION. They opened an account in my name without my knowledge, authorization, and consent. I do not have a contract that i signed with them that makes me obligated to pay them anything. This is fraud, identity theft, and extortion. There is no agreement between myself and PENN CREDIT at all.
11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	IL 60613	Web
I received a call at XXXX CT XX/XX/XXXX, the representative only stated a portion of the Mini Miranda disclosure, I asked to speak with a supervisor and she said the same Mini Miranda. They did state they were attempting to collect a debt, however neither stated they were a debt collector. The supervisor stated they are not required to say that.
04/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web
I was made aware of toll fees sent to collections, placing a hole on my ability to register my vehicle. However, I was given no written or verbal notice of these fees being sent to collections, as well none of these collections are showing up on my credit report. These fees have totaled up to {$710.00} according to my XXXX XXXX XXXX account.
11/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 186XX	Web
An unpaid co-pay of {$25.00} was sent from XXXX to Penn Credit Corporation. I sent them a check immediately. I have a copy of the cancelled check. They have continued to mail me threatening notices and made frequent calls to my cell phone. I have written to them, including a copy of the cancelled check, to prove that the debt os paid.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33055	Web
Penn credit corporation {$820.00} that is electric bill when I live in Maryland also never send me a final bill and its imposible Im apartment electric bill is in {$820.00} also still in my credit report and I dont have job now and also in Maryland because Im this date born my new baby .and I try to dispute por inaccurate balance is incorrect
05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22312	Web
XX/XX/2020 Fake amount of money {$840.00} XXXX XXXX XXXX XXXX PO Box XXXX XXXX, FL XXXX Fake Account Number Itemized Bill Fake bill Contacted XXXX XXXX XXXX, a fake bill collector. They claimed they are a 3rd party debt collector, but they are not. They could not give me an original debt collector number or address. They are completely lying.
07/29/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 64131	Web	Servicemember
I had a debt with XXXXXXXX XXXX XXXXXXXX. The sold it to Penn Credit. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44087	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
06/18/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 91702	Web
I have been getting continued mobile phone contact with XXXX collection companies, XXXX XXXX XXXX and Penn Credit Corporation on a number that is listed in the Do Not Call registry. These are unsolicited calls using a number I do not use for credit applications. They are both intrusive and waste my minutes on a phone I use for work purposes.
09/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97501	Web
Multiple phone calls per day from Penn Credit regarding ex husband who has not lived here for more than a decade. Refuses to leave a message on the answering machine. Has been told previously ( on several occasions ) that this person does not live here and we do not have a way of contacting him and we have no responsibility for his debts.
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 11003	Web
I paid someone to fix my credit and no updated has been made. no score has been shown since and the 1 derogatory mark on my account is still there and it showing up on my credit and my ex husband credit as well. and this account was in he's name not mines and 3 hard inquires which I have no understanding about. someone stole my identity.
05/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web
Thiscompanyjustpoppeduponmycreditreport.TheyNEVERsentmeANYTHING.IdisputedthiswithXXXXXXXXXXXXinXX/XX/XXXXandbecausetheycouldnotprovethisdebt,theytookitoffofmycreditreportandthenSOLDittosomeoneelsewhoneversentmeanything.Now,IcheckmycreditandtheyaddedthemselvesonXX/XX/XXXXwhenIwonthedisputewithXXXXXXXXXXXXonXX/XX/XXXX.Howisthatevenlegal???
05/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 323XX	Web
XX/XX/XXXX Penn Credit Corp/XXXX XXXX I paid {$290.00} in full to have the item removed from my credit report, as of today XX/XX/XXXX it's still there. I have spoken with numerous agents at the company, and I have also had XXXX XXXX, XXXX XXXX, and XXXX XXXX to assist, which I stop using them because I was spending money with no results.
07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
Pursuant to complaint XXXX, Penn Credit Corporation admitted they hold no evidence to support this alleged debt that does not exist. As a result, they must promptly remove their unsubstantiated derogatory claim from my credit report with all three bureaus as agreed. As of today, XX/XX/2022, these false claims are still on my report.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20878	Web	Older American
IDENTIFICATION NUMBER is I disputed 2 items on my account, and of course you sided with them?? Please have them PRODUCE INFORMATION FROM MY FILE that indicates I've done business with them. I sincerely have never heard of either one of them?? XXXX XXXX XXXX XXXX XXXX {$0.00} - - - Dispute PENN CREDIT CORP XXXX {$1200.00} - - - Dispute
11/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 786XX	Web	Older American
XXXX XXXX XXXX Penn credit keeps calling my unsolicited home phone looking for someone who is NOT, and has never been at this number. I have relayed this to Penn Credit on multiple occasions and they continue to harass us looking for this individual. I will be submitting complains in all possible ways. My home number is XXXX XXXX XXXX
02/25/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78660	Web
I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. I receive about 2 to 3 calls a day.
02/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 175XX	Web
For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which they refuse to do!
06/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 15217	Web
I get a Robo call from XXXX at least XXXX times every day for the past month. It concerns a supposedly debt with XXXX, but I called XXXX and that debt does not exist. If I return the call, I 'm just presented with an automatic message about where to send payment and no human ever answers. This harassment has been going on for months.
04/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI XXXXX	Web
Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.
02/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10035	Web
Pen Credit is attempting to collect a debt that does not belong to me and i have disputed this debt with this company for over 6 months. They have not investigated my dispute properly and my credit report is being damaged. Once I discovered the account on my credit report i reached out with a dispute letter to the collection agency.
05/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 96130	Web
I have been receiving calls for about 10 years from PENN CREDIT CORPORATION which attempts to collect a debt from someone other than me. I have informed them that the people they seek are not at this telephone number, but the calls persist. The calls were originally made by people, but now are automated. My telephone number is XXXX.
12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NY 11105	Web
A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation.
03/25/2023	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 11226	Web
In accordance with the Fair Credit Report Act XXXX, Account # : - XXXX, PENN CREDIT CORPORATION has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
01/29/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ID 838XX	Web
I notified PENN Credit that the debt did not belong to me. I have asked them to stop calling several times. They call at all hours of the night including Sundays. Sometimes multiple time per day. Phone line they are calling is not 100 % mine to use and there also disturbing and harassing others in the house. Penn Credit CorpXXXX
03/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34953	Web
I was looking over my credit report and I saw this negative collection item of {$340.00} or something I do not recognized from a company called PENN CREDIT CORP the report shows the account was openXXXX XXXX 2019 and the original creditor was XXXX XXXX XXXX XXXX I would like this to be permanently removed from my credit report
09/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75006	Web	Older American
This company Penn Credit Corp is calling me multiple times a day from multiple States with different phone numbers trying to collect a debt for XXXX XXXX who has been informed multiple times ( Police report, FTC Report etc. ) that the account is the result of ID Theft and is therefore XXXX XXXX is in violation of FTC Rule 605B.
01/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
Back on XX/XX/XXXX I sent a letter to the credit agencies requesting verification of any documents bearing my signature. As of XX/XX/XXXX I have not heard anything from the creditor or the credit agencies about this account. I have not received any documentation bearing my signature. Please I would like help with this matter.
08/12/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 087XX	Web
I contacted Penn Credit to pay off a debt, they freely without asking them gave out my whole social security number without asking. this information should not have been given out in its whole,. a scammer could just give them my number or address and they will recite a whole social security number to anyone with that address.
04/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
I recieved a letter in the mail from PennCredit corporation, Notice of collection from XXXX XXXX XXXX XXXX for a total balance due of XXXX for service date of XXXX Which I was no longer at this address since XXXX the water should have been cut off as when paid last bill XXXX XXXXn the amount of XXXX confirmation number XXXX
06/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 18020	Web
I have a debt that is dated from 2011 that is reporting on my XXXX credit report monthly impacting my credit scores monthly. This is not a revolving debt. This is a debt for XXXX that was not my debt. Ive requested the original documentation to confirm the account information but have not received any written verification
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 183XX	Web	Servicemember
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report which they have done finding the account to have been opened fraudulently
12/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19143	Web
I recently pulled my credit reports from all three credit bureaus and there is a collection company, " Penn Credit Corporation '', reporting a fraudulent account from the originator of the debt which is XXXX I have never done business with this company or held any services with this company. This account is fraudulent...
08/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 166XX	Web
I paid a dept owed to XXXX XXXX of {$550.00} for XXXX on XX/XX/2018. I then received noticed of collections for the same bill from Penn Collections for the same amount on XX/XX/2018 for XXXX. This debt is showed as paid on my credit report and I want the Penn collections for the same bill removed from my credit report.
03/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33441	Web
This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48237	Web
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
04/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	ID 833XX	Web
My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day.
01/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19380	Web
Disputed through credit report as well, but I did not receive any communication from the original Creditor about debt owed or the new creditor about transfer of any debt nor did I receive and validation information to make sure it was correct. Payments in full were made to original owner before debt was transferred.
06/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60419	Web
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.
06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30127	Web
Payment was made in full to PennCredit on XX/XX/21 in the amount of {$900.00}. They have updated my XXXX credit report to show the balance has been satisfied but they will not remove it from my credit report. The fact that the collection still shows even though its paid, is still hindering me from credit approvals.
05/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60419	Web
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period.
07/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33437	Web
Debt collector is attempting to collect potentially fraudulent account despite several disputes and demands for documentation indicating proper ownership. Copies of disputes and proof of identity were sent to debt collector. They refuse to conduct a proper dispute and continue to report account to credit bureaus.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33619	Web
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10550	Web
This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 323XX	Web
I checked my credit report and saw an account from XXXX XXXX for {$650.00}, original creditor is City of XXXX XXXX. XXXX XXXX reviewed and investigated the complaint. Someone named XXXX XXXX replied and I sent him an email at XXXX. I paid the original creditor and expect this account to be deleted from my report.
12/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77356	Web
This call is from XXXX XXXX XXXX, Phone number XXXX-XXXX-XXXX. I receive this call on average of twice a day and I have no idea who they are or why They keep calling my number. There is no way in the call to respond to a person , you are only allowed to press a key. Yhis is very frustrating and I want it to end.
05/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 171XX	Web
I owe Nothing to Penn Credit Corporation. The debt was with A medical provider under contract with my insurance carrier. The provider was paid the allotted amount under the contract. Penn Credit is attempting to collect a fraudulent Debt thats is not owed. Furthermore Penn Credit has impacted my Credit score.
05/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Web	Older American
Bill came dated XX/XX/XXXX. Claim is from XX/XX/XXXX for {$580.00} XXXX XXXX XXXX. I moved XX/XX/XXXX. To the best of my knowledge I was up to date on my utility bill with XXXX. Penn Credit from XXXX Pa is trying to collect this debt. This creditor has not appeared on my credit report over the last 4 years.
10/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
Moved from XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/2019. No owners never changed utility into their name and used electric in my name fraudulently. I contacted XXXX numerouse times. Will not remove negative collection from report for {$2700.00} Penn Credit Cor CpXXXX XXXX {$120.00} XXXX XXXX XXXX XXXXXXXX
01/08/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30132	Web
I get numerous phone calls from this phone number and it is for someone else ... They have the wrong number. It is a robo-call, so I can never speak to anyone to correct the error. They call every day at least once. The name on the caller ID says it is PENN Credit Corp. I do n't have any outstanding debt.
01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48390	Web
Penn Credit continues to call me multiple times a day for a debt with XXXX XXXX that has been already been paid in full to XXXX XXXX. Confirmation number ( XXXX ) They have been supplied with the conformation number for XXXX to show this is NOT a valid debt and should NOT be reported on my credit report.
04/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 150XX	Web
On XX/XX/2019, and before I have sent multiple letters to Penn Credit Corp, and offered to pay the balance IN FULL, to which they have never responded, since they have refused full payment, I am assuming the alleged debt is not owed, and as such, I would like the trade line deleted from my credit report
02/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33073	Web
I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.
09/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11365	Web	Older American
I keep receiving debt collection notices from XXXX XXXX XXXX for items that were paid. I even paid for two items twice. I called numerous times and send in my payment information. I received a notice back thanking me for doing the work to look up payments but that I still owed the money!! This is fraud
03/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17257	Web
PENN CREDIT CORP at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$630.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
10/03/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77079	Web
A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.
07/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11758	Web
I sent a debt validation letter which was ignored. By law since my request wasn't fulfilled by said company this should be dropped off my credit report. Attached is the first debt validation sent and proof via certified mail. Also attached will be an affidavit of truth sent by me on XX/XX/2021.
12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 20170	Web
Received fraudulent surprise debt collection having never received any bill. When sent a letter disputing and requesting verification, all that was received upon XXXX signed receipt of dispute, was an invalid resolved summons ( with a different amount no less ) and no bill or proof of anything.
04/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 61820	Web
I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file.
02/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10977	Web
I received a Notice Of Collection dated XX/XX/XXXX. on XX/XX/XXXX I called the number of the company, I asked for supporting documentation to support their collection amount, and more details, because the information on the letter is not correct. The representative simply hung up the phone
07/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
i discovered i am a victim of if theft/ Fraud when i received a collection statement by regular mail as follows -penn credit corportation-debt collector - a debt - owing to XXXX XXXX. as of XX/XX/2022 - owing {$600.00} - not mine - penn credit corportation XXXX XXXX XXXX XXXX, PA XXXX XXXX
09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11572	Web
This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014
03/23/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	NY 11725	Web
I owed XXXX University money on an outstanding balance that I was paying monthly at a rate I could afford. Their request was upwards of $ 600/month. I was at about $ 100/month. I paid them approx {$480.00} mid XXXX & was notified by mid XXXX that my account would be going to collections.
02/25/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33142	Web
Good afternoon, On XX/XX/2019, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
10/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30067	Web
I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.
08/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18411	Web	Servicemember
I was written by mail claiming I owed a debt of {$23.00} for service in XX/XX/XXXX. I have not lived there since XX/XX/XXXX.. I called and they said they would look into the matter then on XX/XX/XXXX they reported I owed {$130.00} to the transition which showed up on my credit report.
06/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 27591	Web
i moved to virginia in XX/XX/XXXX, i did not start working until XX/XX/XXXX but the state of virginia say i owe them $XXXX for taxes in XX/XX/XXXX i only made about $XXXX , i do not know who to contact , this has been a nightmare,, they have now sent this bill to a collection agency
10/20/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60618	Web
I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29223	Web
XXXX credit corporation is reporting a fraudulent charge for collections on my credit from city of XXXX about from 7 years ago. This account was closed when I graduated college but since 2015 they have been reporting that I owe XXXX from about a year after I left the whole state.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 32305	Web
On or about XX/XX/2023, I sent a certified letter to Penn Credit Corporation/ XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance : {$300.00}, to validate the debt, to no avail has the debt been validated by Penn Credit Corporation , and or the findings has not been forwarded to me.
09/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32065	Web
I was contacted by mail from a debt collector, Penn Credit, claiming that I owe {$69.00} for a traffic citation. I called their XXXX but they claimed I still owned the debt. This traffic citation was paid directly to the XXXX XXXX XXXX on XX/XX/2018. I have proof of payment.
10/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23504	Web
On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....
10/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 186XX	Web
Sent a letter to Penn Credit 35 days asking for information about this debt. Didn't receive anything back. Reached out to Penn Credit XX/XX/2018. Asking for them to respond to my letter. XXXX, stated they no longer have this debt and i would need to reach out to someone else.
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10306	Web
I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. Please investigate
08/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 487XX	Web
Caller said they were trying to collect a debt. I have no debts and am not late or past due on any thing. Used a name that was not understandable and I told them to stop calling. They could not state anything about debt were very rude. Have had repeated calls for same thing.
07/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 857XX	Web
SOMEONE UNDER MY NAME OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX XXXX AND NOW OWES THEM XXXX DOLLARS. THE ACCOUNT HAS NOW BEEN CLOSED AND PASSED ON TO A COLLECTIONS AGENCY, PENN CREDIT CORPORATON. PENN CREDIT CORPORATION WANTS ME TO PAY A DEBT THAT DOES NOT BELONG TO ME.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06511	Web
Penn Credit is reporting a fraudulent account on my credit. I dont know what this account is nor did I authorize anyone to open it on my behalf. I am requesting the immediated removal of Penn Credit from my credit. Please see the attached FTC report and my driver license.
09/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Web
On XX/XX/2021, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
05/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NM 88101	Web	Servicemember
I disputed this item last mont, and it was recorded as verified but ... simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' this account with
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 07054	Web
This company has placed their account on to my report. I have no idea where its coming from. The original creditor was not under my name so not sure why its under my name now. I have tried disputing the whole account but was unsuccessful. This is why Im coming here.
01/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 335XX	Web	Servicemember
I had to pay a utility bill in a home that I never lived in. Was XXXX XXXX XXXX stationed in Hawaii. Sent proof of my residency. I was told if I paid it they would remove it off my credit report. Penn credit corporation XX/XX/2020 XXXX. Paid in full and not removed.
07/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 61820	Web
Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.
09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 187XX	Web	Servicemember
I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.
04/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 984XX	Web	Servicemember
The amount is XXXX. The account was open in XXXX and closed XXXX. I have been on military orders since XXXX, I also lived in ct from XXXX then XXXX XXXX until i left for the XXXX. The person the account belongs to is not taking accountability on the account,
01/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30052	Web
Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.
10/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48204	Web
We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list.
09/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07470	Web
XX/XX/2022 XXXX collection sent bill XXXX of 2022 for {$280.00} from XXXX energy. When I contacted them, I was told I have XXXX other accounts opened for green mountain for {$450.00} from direct energy for {$370.00}, and from reliant energy for {$120.00}
03/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 67846	Web
This outfit robo-calls my home number 4 to 6 times a day. They never leave a message or anything. I do not owe anyone any money and have not for more than fifteen years. I have never received any documents from them or any supposed distressed creditor.
10/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19104	Web
Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web
I have a credit card on my account that is not mines XXXX XXXX and Penn credit which is XXXX I was incarcerated from XX/XX/XXXX and I did not get out of jail until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43229	Web
I am filing a complaint against PENN CREDIT CORPORATION because they are attempting to collect a debt that I do not owe them. Account name : PENN CREDIT CORPORATION, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web	Older American, Servicemember
THIS COMPANY IS REPORTING INFOR MATION ON MY CREDIT REPORT AND IS THE WRONG SOICAL SECURITY NUMBER AND WRONG NAME I ASKED THAT THEY REMOVE THIS WRONG INFORMATION AND THEY SAID THEY WOULD NOT DATES XX/XX/2020 COMPANY PENN CREDIT CORP # COLLECTIONS XXXX
06/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 173XX	Web
Penn credit reported a new debt without contacting me directly. I would have asked for verification per law, and if verified paid it in full before it was added to credit report. I have never been contacted by this collection company for this account.
04/29/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89074	Web
Calls every day starting XXXX/XXXX/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXI have no outstanding debts.
12/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70068	Web
On XX/XX/2020 I contacted Penn Credit Corporation via certified mail regarding six violations they have made. The bill they sent me in the mail was in the amount of {$5200.00} therefor I also included a invoice for {$6000.00} based on the violations.
02/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
I receive continual phone calls from this company, and I have no existing debts. If I continue to receive phone calls from any number, of which I report, I will subsequently seek legal council, and pursue punitive recourse against further harassment.
04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37076	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.
11/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76502	Web
On XXXX/XXXX/XXXX I received an alert stating Penn credit Corp has reported a potentially negative item on my XXXX credit report. On XXXX/XXXX/XXXX I placed a call to Penn Credit Corp and the representative was not able to locate any information.
09/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60406	Web	Older American
ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording.
12/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19120	Web
Good Evening, Im disputing that my low credit score is a direct result of some false claims against me. I have no idea how/why this is happening, but it really needs to be corrected. This is hurting my ability to become a successful entrepreneur.
02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33184	Web
XXXX XXXX XXXX continues to report a debt of {$330.00} that was paid to the original creditor 10 CITY OF XXXX UTILITIES. This debt was paid to the original creditor prior to shutting my utility service back in 2016. Attached is proof of payment.
06/18/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 16601	Web	Servicemember
On XX/XX/XXXX and XX/XX/XXXX, Penn Credit Corporation called my in-laws multiple times about a debt that I personally owe. My husbands parents were given my name, date of birth, where the debt was for and the amount. I believe this is not legal.
06/27/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 044XX	Web
Penn Credit Cor phone numberXXXX.Continues two Robotic call me regarding a debt I have nothing to do with or Know about.They call all different times of Day.I 'm physically XXXX with mobility problems.THANK-YOU for helping these annoying calls.
02/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
company XXXX XXXX XXXX sends me numerous letters trying to get from me {$300.00} than i not owe. Also they bother me with EVERY day early morning phone calls. ( from number XXXX ). This is intrusion into my private life and attempt of fraud.
03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 64157	Web
I settled the debt with Penn Credit Corp in 2012 in the amount of {$210.00}. It has recently hit my credit report as an active open collections account. I need to know how to have it marked as closed or removed from my report all together.
04/09/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 100XX	Web
The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.
11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 351XX	Web
I sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.
07/05/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80550	Web	Older American
Penn Credit Corp calls daily at XXXX with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls.
03/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17603	Web
Penn Credit has on several attempts attempted to collect a debt from me from someone who lives in Texas. She has a similar name to mine. I never gave Penn Credit or the original creditor my cell phone to contact me regarding any debt.
10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33150	Web
I did not sign a HIPPA form authorizing this agency Penn Credit Corporation to access my medical records so as that being said the agency violated HIPPA. I sent out a letter asking them to validate the debt and they failure to do so.
06/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44120	Web
ok, I sent out verification letters for them to never had first energy still stay with my parents, they responded and said they sent something out XX/XX/XXXX I sent a validation letter out on XX/XX/XXXX and have yet to hear anything
08/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33065	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32305	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
09/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web	Servicemember
This Debt is Past the Statue of Limitation ( 7 years ) the date of discharge is XX/XX/15 I had this Debt removed because it is past the 7 year date of closing of account. I am being harass by this Company thought unfair tactics.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44306	Web
I sent a letter to Penn Credit Corporation on XX/XX/2021 and as of XX/XX/2021 I have not received a response. The company had 30 days to respond but failed to and are now required by law to remove this account from my account.
07/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33138	Web
I never lived in an address where a XXXX XXXX bill was provided service. This bill was {$2100.00}. Someone has used my social or identify without my consent. Penn Credit Corporation XX/XX/22 was assigned to collect this debt.
04/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21144	Web	Servicemember
Penn Credit Corporation calling from XXXX is repeatedly calling my mobile phone harassing me about a debt that is not mine. I've repeatedly requested that they stop calling my number and to remove my number. Yet they persist.
03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 787XX	Web
A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30281	Web
I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07601	Web
I have a account with XXXX and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help
12/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 121XX	Web	Servicemember
BILL WAS OVER PAID AS SHOWN IN ATTACHED SCREENSHOT AND NOT APPLIED TO ELECTRIC BILL, AS A RESULT PENN CREDIT, XXXX XXXX INTENTIONALLY NEGLECTED TO MAKE DUE DILIGENCE TO RECTIFY AND ADD A COLLECTION ONTO MY CREDIT REPORT.
12/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11106	Web
Someone used my name, information to for utility bill. The amount is {$310.00}. The date due was XXXX XXXX. XXXX is the utility company that was used in Michigan. The company sent what is owed to Penn Credit Corporation.
10/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43123	Web
This company has added this account to my credit reports. XXXX, XXXX, and XXXX. I have never received any communications from this company. I have no idea who they are. I have no dealings with them. Never heard of them.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06460	Web
Around XX/XX/XXXX I noticed that Penn Credit was reporting and unpaid bill to my credit report. 1/ {$650.00} and 2/ {$2900.00}. I would like these collections to be removed because these balances does not belong to me.
05/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
04/29/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 60411	Web	Servicemember
Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
10/31/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08094	Web
Penn credit Corporatio Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reporting wrong on all my credit reports and twice different amounts. This is not my debt, I never ever heard of this company.
04/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
After a XXXX search, I realized that " Penn Credit Corporation '' is a scam. They are trying to collect " delinquent parking ticket '' balance for {$42.00} that I know I do not have. It has a service date of 2018XXXX.
10/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15132	Web
I had already disputed this with the company telling them that i was incarcerated when this debt occured and i was not reponsible for it so im not paying for someone using my identity i felt the should of canceled it
08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	PA 175XX	Web
There are incorrect addresses, phone numbers and name. The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX
12/22/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33127	Web
On XX/XX/2020, I contacted Penn Credit Corporation account # XXXX. This writer advised Penn Credit Corporation i requested bill from the original company because i don't have an account with Penn Credit Corporation.
06/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NJ 079XX	Web	Servicemember
I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
03/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32114	Web
XX/XX/23 My debt was paid to the original debtors. The original debtors was the city of XXXX XXXX. Penn Credit Corporation is reporting a collection on XXXX they cant collect for. It was deleted from XXXX and XXXX.
03/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43204	Web
PENN CREDIT CORP # XXXX****THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH PENN CREDIT CORP OR I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.
10/16/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 155XX	Web	Servicemember
On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.
02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29488	Web
After several attempts to verify and validate the debt being reported on my credit file it was unsuccessful. The information is being incorrectly reported and they havent responded nor validated/verified the debt.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web
This Collection company is reporting fraud/identity theft to my Credit Reports : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Please close and remove off my credit reports
10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11434	Web
There are 2 fraudulent collection accounts on my credit ( penn credit and XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.
07/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MO 63385	Web	Older American, Servicemember
Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored.
05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 483XX	Web	Older American
PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt.
08/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MT 59801	Web
i did not have this bill in my name for more than 2 months. i had called them and spoke tio them and they were very rude. they said my bill was {$1300.00} in XX/XX/2016 to XX/XX/2016. i also paid money upfront.
01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web
Ive reached out to XXXX XXXX XXXX about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company
12/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web
Im receiving phone calls about a debt I do not owe and that has not been validated through writing. Per section 609 of the FCRA I requested written proof of the original debt and have not received anything.
04/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23188	Web	Servicemember
I pulled my annual credit reports and found I had a collections account on my reports. Penn Credit Corp in the amount of XXXX. I had no idea of this debt and was not notified that or recognize this company.
04/03/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	VA 227XX	Web
I have been harassed by Penn credit corporatatuon for a debt I dont owe on. Im called almost every single day being told that I need to XXXX Pay or else! Ive asked for statements and they wont give me them
01/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21220	Web
Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.
07/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30024	Web
I closed my account with them and paid my final bill. I called them they told me there was nothing left then years later it showed up on my credit. I disputed this with them but they are still pursuing it
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21208	Web
I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. Paid directly through XXXX confirmation tracking number XXXX
03/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 173XX	Web
The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day.
02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48197	Web	Servicemember
I received a bill from Penn credit Corporation for collection of {$700.00}. I never opened or used XXXX XXXX in Texas or any other state. Account # XXXX XXXX XXXX -- residential property Invoice # XXXX
03/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
Sent out disputes letters and debt validation letter, no response was made. I tried to have them verify the debt over the phone and they ask me for my information when they already supposed to have that.
04/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21044	Web	Servicemember
I was erroneously issued a traffic citation with a {$40.00} fine. I appealed this citation, and the fine was dismissed. 3 months later, PennCredit Corporation contacted me to collect a debt of {$120.00}.
02/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37217	Web
I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44870	Web	Servicemember
This account was opened without my authorization. I have since made arrangements to have this account settled with the understanding that this was a pay for removal arrangement per the original creditor
07/12/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60506	Web	Older American
They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.
07/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11373	Web	Older American
I don, t have any XXXX XXXX account since 2013!!!!??? I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!!
07/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 153XX	Web
Penn credit Corp has a XXXX XXXX utility bill with XXXX XXXX XXXX date is was opened was XX/XX/2016 I never signed a contract nor did I show an ID I did not authorize this bill to be put into my name
07/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11572	Web
XXXX XXXX XXXX XXXX AMOUNT : {$230.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX AMOUNT : {$200.00} DATE OPENED : XX/XX/XXXX PENN CREDIT CORPORATIO AMOUNT : {$550.00} DATE OPENED : XX/XX/XXXX XXXX
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 41011	Web
I had a call from XXXX. They asked if was the resident, immediately asked for personal information without saying their name or who the company was. I had to asked for her name and the company name.
07/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20002	Web	Servicemember
Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 229XX	Web	Servicemember
I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter.
10/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44137	Web	Servicemember
Not my account. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. PENN CREDIT CORPORATION # XXXX
12/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10468	Web
This account was paid off last year and I was told it would be removed from all three credit report upon payment, but it still shows up on all my reports. The account was updated to show paid.
06/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85737	Web
Checked my credit report and seen that there was a collections account just opened. Never once received a phone call or letter letting me know. My {$330.00} balance was paid in full to XXXX.
09/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 61820	Web
Penn Credit agreed to remove a collection from my XXXX and XXXX credit reports when a collection was paid off. After repeated promises that it would be removed, it has still not been removed
07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 180XX	Web
Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account.
10/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
I requested a validation of debt to reassure this debt was mine debt. the compna sent me a improer validation. I requested what i signed to accure this debt and only was sent another bill.
03/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
My name is XXXX XXXX and I am submitting this complaint on PennCredit violations under FDCPA and FCRA. This complaint is be submitted without any influence from any third party or agency.
09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85301	Web
Ive tried to settle an account with PENN CREDIT CORP and they still refuse to remove negative information even though this account was left on at the property after I moved out of state.
10/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 182XX	Web	Older American, Servicemember
2 to 3 phone calls a week from XXXX claiming I owe {$140.00} and they want there money. I donot owe them any debt. They leave options on how to pay this debt and claim to be Penn Credit
10/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30350	Web
I have no knowledge of these inquiries and these inquiries result in identity theft and should be removed as per 15 U.S. Code 1681c2 - Block of information resulting from identity theft
02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web
Agency is trying to collect on a debt that I have denied and disputed and they will not remove or stop activities! Also they did not state on credit report that this was being disputed.
11/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44143	Web
Received a Bill From XXXX XXXX XXXX Penn Credit Corp placed a collection on my credit that needs to be disputed. I have paid all of my XXXX obligations and have no existing obligations.
12/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web
I am not liable for this debt with XXXX XXXX, I do not have a contract with PENN CREDIT CORPORATION, they did not provide me with the original contract with my signature as requested.
03/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 443XX	Web
I checked my XXXX XXXX account and I have a debt collection from XXXX XXXX. I have not had an account in my name for them in years and as far as I know I do not owe them any money.
01/26/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48906	Web
i got a letter from penncredit in the mail saying i owe {$2000.00} for a utility bill at a address i never lived at only XXXX and lived with my parents so ive never had a utility bill
12/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17602	Web
I disputed this debt last month with Penn Credit, requesting documentation that I have not yet received! They however, have verified the account with the credit bureaus several times!
07/28/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19124	Web
On XX/XX/19 I was notified by XXXX that penn credit corp reported a collection account that I have never been provided with a bill or any documents validating the debt in question.
05/20/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NY 11235	Web
Calling regarding unknown person on my cell phone number and does not remove from the list despite numerous requests. Made threats to forward it to another department against me.
03/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 146XX	Web
They call non stop. They rang my phone non so for so long the portable phone died and needed to be recharged all night. They were very rude to my wife and they call after XXXX.
09/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85248	Web
I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE
10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37217	Web
I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service.
05/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85345	Web
Penn Credit starts calling every day, never leaves a message but will call numerous times a day. Previously they have asked for my father-in-law ( deceased since 2008 )
02/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 483XX	Web
I have an XXXX account that is fraudulent, the address that was used also is incorrect and fraudulent. XXXX XXXX XXXX PENN CREDIT CORP XXXX {$460.00} Service date : XX/XX/
05/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30344	Web
PENN CREDIT CORPORATION - CITY OF XXXX XXXX has been paid in full and closed. I was told that this account would be removed from all three credit reports. The balance is XXXX
10/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN XXXXX	Web
COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS FOR CONTY TAX BILL DATED XX/XX/XXXX. THE S.O.L EXPIRED ON XX/XX/XXXX. CEASE COMMUNICATIONS OR BE SUED IN CLASS ACTION.
08/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34472	Web
I have collection items that I am disputing but I also see that these disputed agencies just from one credit bureau to another. Can they jump from one to another like that?
07/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 231XX	Web
I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.
08/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 229XX	Web
Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday.
02/20/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33168	Web
this is fraud i do not know these people and the situation ... its fraud ask for any document ... their are none ... i do not sign papers nor i do not know these people
01/16/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33025	Web
I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.
09/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43613	Web
1006.34 Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed.
04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32301	Web
I just found out through my credit report that the debt collection reported a balance of {$150.00}. I have never been notified of the debt or offered a payment plan.
02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 165XX	Web
I have XXXX separate accounts in my credit report that are in debt collections and I never tried setting up any accounts nor have accounts with any of the companies.
01/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10552	Web
XX/XX/2016 penn company claims I owe amount {$4700.00} I have never contracted brought or used any services from this company I have disputed the claim to no avail.
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60153	Web	Servicemember
I recently received a letter from a collection agency in regards to a debt I know nothing about from Penn credit I have no agreement or contract with this company
12/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 049XX	Web
Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling.
03/04/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 10469	Web
Frequent or repeated harassment. Pen credit corporation continues to call me in an attempt to collect a debt not owed. I asked them to stop calling several times.
06/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17109	Web
i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx
06/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44202	Web	Servicemember
Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.
01/17/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30045	Web
Repeated calls starting early in the morning and occurring all days for two to three days at a time. Repeated at least 10 days during XX/XX/XXXX and XX/XX/XXXX.
11/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33309	Web
Ive written penn credit corporation about my debt. They have violated several laws obtaining my information without my consent. Claiming I owe an alleged debt
10/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 18102	Web
Sent letter to validate the debt, never received a responds within 30 days..please all information from these accounts from my credit report..see attachements
10/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 16509	Web
Penn credit Collection agency Creditor XXXX Date XX/XX/2017 I was XXXX XX/XX/2017 so I have no knowledge of this account. Ive distributed this several times.
08/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web	Older American
Constant calls -- over 50 calls from XXXX asking for someone other than me. Extremely invasive. I am a senior citizen and the unceasing calls are stressful.
04/18/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33772	Web
Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10512	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43004	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43612	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
08/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23434	Web
I have sent several notices in regards to getting information to verify debt. Signed signature, contract thats dated, u have not received any of the above.
11/28/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 078XX	Web
The XXXX XXXX hospital shared my personal information with Penn credit corp.which violates the XXXX laws and I plan to have this case further investigated
08/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30310	Web
My identity was stolen and i have been trying to work with the Credit bureau and th collection agency but have not been getting any assistance or response
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02148	Web
I already paid the amount by check XXXX weeks ago and they still dont resolved my issue, I paid XXXX to XXXX XXXX they didnt send any notice to XXXX XXXX
11/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ME XXXXX	Web	Servicemember
This account was previously removed from my credit reporting files, over two years ago. I was never notified in regards to this account being reinserted.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15210	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
11/06/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60068	Web
I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.
05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 115XX	Web
I sent dispute letters to this collection company in XX/XX/2023 and XX/XX/2023 and they did nothing to resolve this matter. I do not own this debt.
12/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97754	Web
Penn Credit : trying to collect debts for {$310.00} from someone who opened a XXXX XXXX acct. This account was not opened by me. Reported as fraud.
05/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
XXXX XXXX XXXX have not validate the alleged debt. Did not provide HIPPA signed document. Sold unvalidated debt to the other collection agency.
04/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 483XX	Web
I contacted XXXX Ive been online with XXXX XXXX they sent me a letter back saying that the information was accurate I never lived at this address
04/28/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 170XX	Web
I have already submitted proof that I paid this bill, but they continue to harass me. They sent me TWO different letters, both dated XX/XX/2019.
04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48021	Web
Company has resulted in keeping a debt not known to me, or a attempt at identity theft and will not remove the debt listed on my credit report.
05/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33442	Web
Penn Credit reported a medical debt that was owed 2 yrs ago Contacted them with a Debt validation letter on XX/XX/2021 no response from company
01/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17011	Web
Called to collect debt that was not specified nor person mentioned, only asking for information for the Penn Credit Corporation by calling XXXX
05/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 24112	Web
After talking with them they continued to call after explaining I will make a payment on XX/XX/2019 they agreed now it's on my g credit report
06/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 622XX	Web
An automated machine keeps calling to saying it is calling to collect a debt for " XXXX XXXX ''. A person by that name never has lived here.
11/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TN 37659	Web
Noticed recently that this account was on my credit report and never received a notice for dispute have no clue what the collection is for.
04/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28803	Web
Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to " state of sc '' a state in which i have never lived or worked.
10/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 79720	Web	Older American, Servicemember
I have no idea what the problem is with this company. They want me to verify my address and or social security number. Sorry, no can do.
09/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17112	Web
Penn Credit Corp stated I owe ( XXXX XXXX ) an amount that I paid & my utility supplier ( XXXX XXXX ) paid when I moved XX/XX/2015 2015
06/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07644	Web
I have no knowledge of this debt. I'm requesting for a full debt validation of this debt or delete the negative report off my credit.
09/01/2015	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	PA 156XX	Web	Older American, Servicemember
started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also
06/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10471	Web
I received a bill from penncredit corporation, l contacted them and I was told I owed XXXX XXXX, but I have never any XXXX with XXXX
06/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23464	Web
To whom it may concern : This account was charged under my bankruptcy. Attached below shows the original debt under my bankruptcy.
03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10463	Web
I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.
06/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Web
This company penn credit corporation about a utilty bill when I never even lived at this address or know anyone that lived there
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 165XX	Web
Hello. XX/XX/2022 contacted PENN CREDIT CORP about account showing incorrect information. Unwilling to help resolve the issue.
12/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
XXXX is continuing to report a collection account that they can not verify after being asked several times. penn credit corp
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48220	Web
Collection from Penn Credit Corp, I do not recall doing any business with the following collection agency. Please verify debt.
10/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
Requested validation of the debt, the collectors refused to send it in three phone calls with four different representatives.
03/24/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AP XXXXX	Web	Servicemember
According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.
07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92058	Web	Servicemember
I recently discovered 6 different collectors that was recently reported to my XXXX credit account that doesnt belong to me.
07/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85027	Web	Servicemember
I was checking my credit & found an account was opened. That I never set up. I live in XXXX, AZ & it's coming up as PA debt.
04/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 210XX	Web
recently obtain a copy of my credit report and noticed accounts that did not belong to me reporting inaccurate on my report.
09/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60615	Web
This was suppose to be paid again by the XXXX assistance program. Please inquire with them where they are in this process.
09/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web
Constantly receiving " robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is XXXX.
03/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
Company name is called Penn credit corporation sent out disputes letter and debt validation letter for proof no response
04/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18042	Web
I was given a utility grand by XXXX, the grant allow my bill to become current before I had to disconnect the service.
02/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web
told them I never lived at this address send them materials where I lived at the time and this must be identity theft
09/03/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33578	Web
Penn Credit contacted my family member and disclosed all information regarding my debt, without proper verification.
04/19/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77009	Web
I wasnt able to answer the call but they called back to back a total of 5 times all within a minute at XXXX XXXX
04/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08757	Web
Creditor had agreed to delete information on credit report when account was paid and closed. This never happened
05/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60640	Web
I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt.
12/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AP XXXXX	Web	Servicemember
I got my credit report saying I have open collections that I do n't even know of. Please help me to dispute it.
06/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46143	Web	Servicemember
I told them that this is not me. I have never been to this part of Florida. i have never been in an ambulance.
07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 372XX	Web
Company calls numerous times per day. Either hangs up or asked for a name info not recognize. XXXX Penn Credit
07/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VT 054XX	Web	Older American
same call every day from penn credit corp -- XXXX never did business with this company even call on a sunday
08/09/2019	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CA 94109	Web	Servicemember
this is fraudulently opened this is not my account I have no knowledge of any property in XXXX Pennsylvania
03/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IN XXXXX	Web
COLLECTOR AND CREDITOR ARE MANUFACTURING DEBT TO COLLECT ON AND XXXX COUNTY IS KNOW FOR FRAUD AND SCAMMERS.
11/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32312	Web
I paid off the past due balance to the City of XXXX and the account is still showing up as a collection.
02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 752XX	Web
Have received phone calls at XXXX on XXXX, XXXX on XXXX, and at XXXX on XXXX from the collection agency.
09/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32819	Web
A validation letter was sent within the first 30 days of contact- they did not send proper validation
01/19/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32301	Web
There is a fraudulent item on my credit I never gave anyone permission to open utilities in my name
03/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 254XX	Web
XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us
08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 199XX	Web	Servicemember
I'm not liable for this debt with XXXXXXXX XXXX XXXX, I don't have a contract with Penn credit.
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 210XX	Web
I recently requested a copy of my credit report and noticed and account I have no knowledge of
02/21/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 454XX	Web
I was never contacted and told that I owed {$520.00} to the city of XXXX for utility services.
11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 546XX	Web
The number they are calling is XXXX XXXX XXXX. This is a business phone, not a personal. XXXX
02/10/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44130	Web
Explained the amount is not the Companies debt. Also advised to contact XXXX XXXX Attorney.
12/05/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 307XX	Web
it is automated they just say to call but do not relinquish a name who they are calling for
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web
Keep removing and returning back to my credit Ive been dealing with this for years
10/29/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 18103	Web
The debt reporting on my credit is not mine, I believe some used our information
04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39532	Web	Servicemember
Company continues to report this account which is not mine on my credit report.
07/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web
I have two accounts with Penn credit XXXX, XXXX. That does not belong to me.
06/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33029	Web
I noticed this collection debt on my credit report that doesn't belong to me.
06/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29501	Web	Servicemember
{$340.00} XX/XX/2017 collection account placed on personal credit profile.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	NJ 08012	Web
Received a bill for {$320.00} dollars and unsure why this was sent to me.
08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30260	Web
Paid XX/XX/2020 Amount XXXX They stated they would remove from my account
02/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29301	Web
Debt collector XXXX did n't verify collections no contract no signature.
05/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44120	Web
I sent a validation letter out on XX/XX/XXXX never heard anything back
10/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93291	Web
Please forward the information to PENN CREDIT CORPORATION. Thanks!
03/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60446	Web
Calling for someone that does not live with me and never has.
07/30/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 178XX	Web
They called here XXXX XXXX minutes apart from each other.
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	PA 19142	Web
I had hospital bills and credit cards was on my credit
05/17/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	LA 70816	Web
Penn Credit Phishing f or physical address & s.s.n.
12/16/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93705	Web
my credit report reflect a debt that I did not make
11/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33076	Web
This medical collection has been paid by insurance
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 182XX	Web
This Penn Credit invoice sent to me is not mine
03/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 252XX	Web
XXXX Has called my home more than a dozen times
12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19608	Web
Delete all errors on my files and reports
09/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85338	Web
PENN CREDIT XXXX XXXX XXXX XXXX XXXX XXXX
03/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19120	Web
I dont know what this account is about
10/04/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10306	Web
This companies they scams
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
See attached documents
02/03/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28405	Web

01/30/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

01/30/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18104	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19103	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48239	Web

01/22/2024	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92544	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19050	Web

01/21/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11758	Web

01/19/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43081	Web

01/13/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

01/11/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78746	Web

12/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48212	Web

12/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33558	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33441	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19701	Web

12/03/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	UT 84115	Web

11/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18052	Web

11/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28405	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

10/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10456	Web

10/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30127	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web

10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

10/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34746	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44721	Web

09/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30813	Web

09/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11803	Web	Older American

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33054	Web

09/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60543	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23315	Postal mail	Servicemember

09/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31405	Web

09/12/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 16502	Web

09/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30274	Web

09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 16127	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76177	Web

09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44120	Web

09/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06511	Web

08/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48227	Web

08/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02081	Web

08/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21754	Web

08/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11217	Web

08/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 49201	Web

08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23315	Postal mail	Servicemember

08/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33301	Web

08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34986	Web

08/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02368	Web

08/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33765	Phone	Older American

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48502	Web

08/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75189	Web

07/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19126	Web

07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32308	Web

07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48182	Web

07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11203	Web

07/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11355	Web

06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08753	Web

06/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02118	Web

06/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11225	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48342	Web

06/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33442	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

06/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19129	Web

06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	FL 33313	Web

06/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33165	Web

06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11249	Web

06/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33021	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33351	Web

05/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48601	Web

05/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33068	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11236	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33012	Web

05/16/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48376	Web

05/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48174	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32305	Web

05/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01950	Web

04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40026	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33073	Web

04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48326	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web

04/18/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 35630	Phone

04/14/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11223	Web

04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43207	Web

04/11/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48376	Web

04/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48075	Web

04/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33069	Phone

03/30/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44024	Web

03/30/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08104	Web Referral

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78666	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22204	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19129	Web

03/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WV 25302	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 145XX	Web

03/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17315	Web	Older American

02/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11361	Web

02/11/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11367	Web

02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73025	Web

02/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85255	Web

02/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web	Servicemember

02/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21230	Phone	Older American

02/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

02/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11367	Web

02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60201	Phone

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90015	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29936	Web

01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32025	Web

01/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34609	Web

01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97128	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21113	Web

01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34746	Web

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19118	Web

01/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33026	Web

01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06905	Web

01/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32305	Web

01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15401	Web

12/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web

12/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73099	Web	Servicemember

12/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

12/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30032	Web

12/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11385	Web

12/06/2022	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	MS 39213	Web

12/02/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	DE 19702	Web

12/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33334	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32304	Web

11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53210	Web

11/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	Web

11/22/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	IL 628XX	Web	Servicemember

11/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33020	Web

11/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75074	Web

11/16/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75074	Web

11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web

11/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06850	Web

11/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11222	Web

11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33073	Web

11/05/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06450	Web

10/28/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 18509	Web

10/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23464	Web

10/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14559	Postal mail

10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34746	Web

10/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97128	Web

10/07/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 18103	Web

09/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07676	Web

09/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33132	Phone

09/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11429	Web

08/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07110	Web

08/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11691	Web

08/17/2022	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	NY 11758	Web

08/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30680	Web

08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10010	Web

08/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80018	Web	Servicemember

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WV 26385	Web

08/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33442	Web

08/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85255	Web

07/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33484	Web	Older American

07/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CT 06117	Web

07/13/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 26601	Phone	Servicemember

07/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44106	Web

07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90291	Web

07/06/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 161XX	Web

06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07470	Web

06/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78230	Web

06/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28227	Web	Servicemember

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32224	Web

06/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07109	Web

06/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38111	Web

06/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Web

05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30907	Referral

05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75070	Web

05/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web

05/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19141	Web

05/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23323	Web

05/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75078	Web

05/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19518	Web

05/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22033	Phone	Servicemember

05/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07011	Phone

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63031	Web

04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 16131	Web

04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11204	Web

04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07470	Web

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33321	Web

04/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30294	Web

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23009	Web

04/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33060	Web

04/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11369	Web

04/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33545	Web

03/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92106	Web	Servicemember

03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19120	Web

03/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79932	Web

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44074	Web

03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85748	Web

03/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08052	Web

03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33852	Web	Servicemember

03/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11769	Web

03/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34741	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web

02/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78613	Web

02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11740	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19703	Web

02/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17042	Web

02/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 19703	Web

01/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19151	Web

01/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 13655	Phone	Older American

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 34744	Postal mail

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web

01/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07067	Referral

01/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IN 46902	Web

01/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11207	Web

12/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44122	Web

12/19/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11205	Web

12/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15136	Web

12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60506	Web

12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33069	Web

11/29/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	SC 29223	Phone

11/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11717	Web

11/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17404	Web

11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20740	Referral

11/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60451	Web

11/04/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33060	Web

11/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78704	Web

11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11207	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17103	Web

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

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33647	Web

10/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10952	Phone

10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11236	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23502	Web

10/15/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 33021	Web

10/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11758	Web

10/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32034	Web

10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33141	Referral

10/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20747	Web

09/29/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	VA 22192	Web

09/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Web

09/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33065	Web

09/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WV 26201	Web

09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32301	Web

09/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Referral

09/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IA 52240	Web

09/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32312	Web

09/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

08/31/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33065	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10468	Web

08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43612	Web

08/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33304	Phone

08/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44260	Web

08/21/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19602	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43201	Web

08/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33322	Web

08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 17110	Web

08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28210	Web

07/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44113	Web

07/28/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27944	Phone	Servicemember

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33137	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49201	Web

07/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29669	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

07/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23102	Referral

07/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93908	Web

06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29577	Phone

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34711	Web

06/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23454	Web

06/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44305	Web

05/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11553	Web

05/24/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60031	Web

05/11/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 757XX	Web	Servicemember

05/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32351	Web

05/05/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44094	Web

05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44122	Web

04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 16214	Web	Older American

04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23236	Web

04/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08820	Referral

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15068	Web

04/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44512	Web

04/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32805	Web

04/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33172	Web

04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32311	Web

04/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11096	Web

04/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 18052	Web

04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19111	Web

03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19602	Web

03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28314	Web

03/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30518	Web

03/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23325	Web

03/19/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 08260	Phone	Older American

03/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19146	Web

03/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48187	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34744	Web

03/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32309	Web

03/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web

03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10463	Web

03/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44720	Web

02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OH 44709	Web

02/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33056	Referral

02/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44133	Web

02/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11206	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28461	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 15961	Web

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11776	Web

02/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web

01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22315	Web

01/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44124	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33069	Web

01/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33065	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34743	Postal mail

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32951	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10552	Web

01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78613	Web

01/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19104	Web

01/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07018	Web

01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

12/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15401	Postal mail

12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18433	Web

12/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11096	Web

12/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19146	Web

11/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

11/24/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33020	Web

11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18433	Web

11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07302	Fax

11/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 33139	Fax

11/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Fax

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web

11/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10456	Web

10/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11378	Fax

10/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07010	Web

10/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37153	Postal mail

10/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 54904	Web

09/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32086	Web

09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62223	Web	Servicemember

09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28012	Web

09/12/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48034	Web

09/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11096	Web

09/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NH 03254	Web

08/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

08/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12586	Web

08/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11233	Web

08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48342	Web

08/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07063	Web

08/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15370	Postal mail

08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07701	Fax

08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 12033	Web

07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33023	Web

07/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15601	Postal mail

07/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07060	Web

06/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web

06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33035	Web

06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33021	Web

06/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30024	Web

06/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60647	Web

05/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

05/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15658	Postal mail

05/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 15601	Postal mail

05/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60656	Web

05/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Web

05/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11743	Web

05/04/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19103	Web

04/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11434	Fax

04/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33322	Web

04/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32817	Web

04/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07960	Web

04/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32310	Web

03/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76177	Web

03/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

03/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48240	Web

03/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44705	Postal mail

03/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC	Web

03/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32303	Web

03/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11755	Web

02/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07420	Web

02/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07302	Web

02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20706	Phone	Older American

02/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07011	Web

02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44260	Web

02/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43110	Web

01/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11520	Web

01/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30171	Web

01/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75771	Referral

01/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48734	Web

01/06/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	PA 19464	Phone	Servicemember

01/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80906	Web	Servicemember

01/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18109	Web

12/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43206	Web

12/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33594	Web

12/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33139	Web

12/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48120	Web	Servicemember

12/23/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19464	Phone	Servicemember

12/18/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 17922	Web

11/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web

11/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11211	Web

11/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19446	Web

11/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44306	Web

11/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WV 25071	Web	Servicemember

11/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18466	Postal mail

10/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 96734	Web	Servicemember

10/28/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 20194	Web

10/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

10/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48021	Web

09/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46143	Web	Servicemember

09/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78957	Postal mail

09/23/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 15045	Phone

09/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21208	Web

09/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48065	Web	Servicemember

09/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19709	Web

09/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17110	Web

08/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 16001	Web

08/22/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43110	Phone	Older American

08/19/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33573	Phone	Older American

08/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48336	Web	Servicemember

08/16/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60187	Web

08/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48312	Web

07/25/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17055	Web

07/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web

07/18/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11385	Web

07/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33647	Web

06/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44120	Web

06/21/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20003	Web

06/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32809	Web

05/31/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34759	Web

05/31/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32796	Referral

05/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48095	Web

05/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32305	Web

05/19/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 21207	Web

05/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11953	Web

05/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02657	Web	Older American

05/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11233	Web

05/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33543	Web

05/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22201	Web

04/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29501	Web

04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web

04/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33196	Web

04/05/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30294	Web

04/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89109	Web

04/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91791	Web	Older American

03/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06854	Web

03/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11213	Referral

03/06/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 127XX	Web

02/14/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92025	Web	Servicemember

02/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15147	Web

02/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19446	Web

01/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15104	Web

01/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48185	Web	Servicemember

01/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15131	Web

12/22/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	CA 91344	Web

12/12/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	HI 96732	Web

12/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43235	Web

12/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92660	Web

12/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 03872	Web	Older American

11/21/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MD 20723	Web

11/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43235	Web

10/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44113	Web

10/25/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NM 87122	Web	Servicemember

10/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/22/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying		Referral

10/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33909	Web

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07001	Web

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44130	Web

10/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web

10/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34614	Web

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

09/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07762	Fax

09/20/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33063	Web

09/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44095	Web

09/13/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11692	Web

09/12/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07008	Web

09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23513	Web

09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10451	Fax

09/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18473	Web

09/06/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33432	Referral

09/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 16503	Web

09/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34746	Fax

09/04/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17758	Web	Servicemember

08/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31501	Phone

08/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44485	Web

08/15/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 15135	Web

08/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15227	Web

08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07474	Fax

07/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33511	Web	Servicemember

07/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34112	Web

07/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

07/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

07/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11429	Web

07/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29229	Phone

07/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11236	Postal mail

07/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

06/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19061	Web

06/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28422	Web	Older American

06/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33312	Web

05/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10940	Web

05/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20783	Referral

05/25/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08844	Web

05/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33521	Referral

05/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50266	Web

05/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34112	Web

05/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

05/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27592	Web

05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23225	Web

05/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00662	Phone

05/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04084	Web

05/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20744	Postal mail

04/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35953	Web	Older American

04/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Fax

04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08854	Web

04/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web	Servicemember

04/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29588	Referral

04/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22046	Web

04/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10803	Web

04/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15235	Referral

04/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92392	Web

04/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30265	Web

04/01/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33771	Web

03/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Web

03/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19344	Web

03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17756	Postal mail

03/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 16740	Web

03/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10029	Web

03/21/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22812	Web

03/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33708	Referral

03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98251	Referral

03/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32934	Web

03/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60623	Web

03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92612	Postal mail

03/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

03/03/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 10940	Web

03/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85308	Web

03/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02478	Web

03/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28273	Web

03/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75025	Web

03/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10468	Web

03/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45224	Web

02/22/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17050	Web

02/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17070	Web

02/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61462	Postal mail

02/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18015	Web

02/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web

01/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40203	Phone

01/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08837	Web

01/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33950	Web

01/25/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60646	Web

01/20/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19145	Web

01/17/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 21113	Web

01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18705	Web

01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07086	Fax

01/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18917	Web

01/07/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 17601	Web

01/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 13832	Web

12/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32305	Web

12/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20715	Referral

12/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10027	Web

12/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Referral

12/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 49085	Web

12/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92114	Phone

12/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18301	Web

12/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32738	Web

12/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31525	Web

11/29/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 94603	Web

11/28/2017	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 33157	Web

11/28/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02860	Web

11/24/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74055	Referral

11/15/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60068	Web

11/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20112	Web	Servicemember

11/01/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91942	Web

10/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19061	Web

10/18/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MD 20774	Web

10/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60516	Web

10/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Postal mail

10/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19702	Web

10/03/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85340	Referral

09/28/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19061	Web

09/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Referral

09/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32305	Web

09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20016	Web

09/16/2017	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	OH 437XX	Web	Older American

09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85730	Referral

09/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33157	Web

08/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08759	Postal mail

08/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44123	Web

08/29/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 41101	Web

08/16/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PR 00662	Phone

08/11/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93034	Referral

08/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10467	Web

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32904	Web

08/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77339	Web

08/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07945	Postal mail

07/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24011	Web

07/28/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web

07/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30809	Web

07/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55372	Web

07/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23322	Referral

07/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 20716	Fax

07/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10467	Web

06/21/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	DC 20001	Web

06/20/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01752	Web

06/06/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46214	Web

05/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 15747	Web

05/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 49506	Web

05/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48234	Phone

05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 16822	Web

05/03/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	ME 04042	Phone	Servicemember

05/02/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08753	Web

04/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34953	Web

04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 17815	Web

04/14/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33169	Web

04/12/2017	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	NY 10454	Web

04/04/2017	Yes	Credit reporting	Incorrect information on credit report Account status	PA 16034	Web

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10473	Postal mail

03/30/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32460	Postal mail

03/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10039	Web

03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NY 11934	Web

02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94577	Web

02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 17801	Web

02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18015	Web

02/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19440	Web

01/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10450	Web

01/11/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CO 80602	Web

01/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32011	Referral

12/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33462	Web

12/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60402	Referral

12/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	PA 18360	Web

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 00603	Referral

12/07/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 18337	Web

12/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19440	Web

11/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17847	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	NY 11431	Phone

11/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	KY 40241	Web

11/10/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	PA 19073	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	NY 11207	Postal mail

11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43302	Postal mail

10/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	CA 92832	Web

10/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 24370	Web	Servicemember

10/28/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33606	Web	Servicemember

10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11249	Referral

10/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08055	Web

10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15668	Phone

09/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 22213	Web

09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 31763	Referral

09/20/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	IL 60004	Web

09/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine		Phone

09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07735	Web

09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11206	Web

09/04/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	GA 31643	Web

09/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19609	Web

08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 15237	Web

08/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21208	Web

08/25/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20003	Phone	Servicemember

08/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 49938	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11216	Referral

07/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19311	Web	Older American

07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63044	Postal mail

07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20020	Fax

07/15/2016	Yes	Payday loan	Can't contact lender	NY 11435	Phone	Older American

07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 61032	Phone

07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10940	Referral

07/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	DE 19701	Phone

07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53072	Phone

06/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32803	Web

06/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 16601	Web

06/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98387	Web	Older American

06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 12065	Referral

06/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PR 00703	Web

06/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30582	Web

06/10/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MD 21220	Web

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85711	Web

05/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10950	Web

05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 20910	Web

05/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01020	Phone

05/06/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 19115	Web

05/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11209	Postal mail

04/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 17233	Web

04/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60607	Web

04/27/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 75035	Web

04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37869	Phone

04/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61038	Phone	Older American, Servicemember

04/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07205	Web

04/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Phone

04/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77479	Web

04/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98119	Web

04/04/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29588	Fax

04/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85248	Web

04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22314	Web

03/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95252	Web

03/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80917	Web

03/17/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Referral

03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22202	Web

03/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19440	Phone	Older American

03/14/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TN 37367	Web	Servicemember

03/08/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	PA 17339	Web

03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 78664	Web

02/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85212	Web	Servicemember

02/22/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 13760	Web	Older American

02/17/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32773	Referral	Older American

02/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32331	Referral

02/17/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Referral

02/17/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 13032	Phone	Older American

02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11233	Referral

02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01604	Web

02/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08053	Phone

02/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17111	Postal mail

02/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NY 10473	Web

02/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38016	Web	Older American

02/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95926	Postal mail

01/26/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33020	Postal mail

01/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11223	Web

01/11/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 12204	Web

12/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48040	Web

12/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19133	Phone

12/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33823	Web

12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AL 35212	Web

12/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33823	Web

11/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08043	Phone

11/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17111	Web	Servicemember

11/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80817	Web	Servicemember

11/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93675	Phone

11/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39465	Web

11/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33021	Web

11/07/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08755	Web	Older American

11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33610	Referral

11/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DE 19958	Web

10/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	UT 84770	Phone

10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29209	Web

10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	PA 19085	Web

10/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78747	Web	Older American, Servicemember

10/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 16335	Phone	Older American, Servicemember

10/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33460	Referral

10/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21202	Web

10/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 16351	Web

10/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44017	Web

09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33472	Referral

09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23225	Phone	Older American, Servicemember

09/17/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33317	Web

09/16/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	PA 18017	Web

09/14/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 18603	Web

09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33305	Referral

09/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11226	Web

09/11/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 17050	Web	Servicemember

09/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 16263	Web

09/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 12601	Web

09/03/2015	Yes	Credit reporting	Incorrect information on credit report Account status	PA 17070	Web

08/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31061	Phone	Older American, Servicemember

08/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60062	Web

08/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32343	Web

08/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48306	Web

08/14/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MD 21206	Web

08/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33437	Referral

08/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10301	Phone	Older American, Servicemember

08/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60104	Web

08/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90046	Web	Servicemember

07/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32958	Postal mail	Servicemember

07/29/2015	Yes	Credit card	Customer service / Customer relations	FL 32404	Referral

07/27/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 31218	Phone	Older American, Servicemember

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	PA 16146	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10562	Postal mail

07/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32309	Web	Older American

07/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33351	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48309	Web

07/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92703	Web

07/07/2015	Yes	Payday loan	Can't contact lender	FL 33433	Web	Servicemember

07/07/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33319	Web

06/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07930	Web

06/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97504	Web

06/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60466	Web

06/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90025	Web

06/07/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 65785	Web

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07860	Web

05/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99338	Web

05/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34761	Web

05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CO 80219	Web

05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48371	Phone

05/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33334	Web

05/14/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	MO 64014	Web

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14850	Web

05/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07860	Web

05/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 43123	Web

05/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22302	Web	Servicemember

04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14845	Web

04/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85254	Web	Older American, Servicemember

04/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94565	Web

03/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17976	Web

03/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33133	Web

03/24/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me instead of my attorney	FL 34698	Web	Older American

03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14206	Web

03/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 18102	Web

03/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	OH 45220	Web

03/08/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	PA 17543	Web

02/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10009	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19018	Web

02/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 54703	Phone	Older American

02/23/2015	Yes	Credit reporting	Incorrect information on credit report Account status	NY 10306	Web

02/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22302	Web	Servicemember

02/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	PA 17057	Web

02/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31047	Postal mail

02/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34234	Web

02/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33186	Web	Older American

02/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89815	Web

01/28/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	PA 19104	Web

01/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07006	Web

01/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10472	Web

01/20/2015	Yes	Credit reporting	Credit monitoring or identity protection Receiving unwanted marketing/advertising	CA 94503	Web	Older American

01/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32969	Web

01/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30084	Web

01/11/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98110	Web

01/10/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	PA 15437	Web

01/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32808	Web

01/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19810	Web	Older American

01/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44425	Web

01/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75001	Web

01/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 17368	Web

12/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08046	Web

12/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90220	Fax

12/23/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46368	Web

12/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92118	Phone	Servicemember

12/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30214	Web

12/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94501	Web

12/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 12603	Web

12/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11561	Web

12/05/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20001	Phone

12/01/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	WA 98033	Web

12/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18235	Web

11/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45249	Web

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 18240	Web

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30214	Web

11/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32716	Web

11/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine		Phone	Older American

11/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 21045	Web

11/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06811	Web

11/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28326	Web

11/07/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40031	Web

11/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93312	Web

10/31/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60609	Web	Older American, Servicemember

10/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07838	Web

10/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76020	Web

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32217	Phone

10/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17584	Web

10/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43081	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18610	Web	Servicemember

10/15/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	CA 94553	Web	Older American, Servicemember

10/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20912	Web

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60016	Phone	Older American

10/06/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	AZ 85023	Web

10/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34761	Web

09/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 15473	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	PA 19144	Web

09/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 38138	Web	Servicemember

09/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48858	Web

09/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94583	Web

09/09/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94539	Web

09/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95129	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30316	Web	Servicemember

09/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95658	Web

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32256	Web

08/27/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 90706	Web

08/27/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 64801	Web

08/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46737	Web

08/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 65536	Web	Older American

08/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33126	Web

08/19/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 20109	Web

08/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70130	Web

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27358	Web	Older American

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77090	Web

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06468	Web

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WV 26184	Referral

08/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53523	Web

08/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43617	Web

08/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 67203	Web	Servicemember

08/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 15425	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08029	Referral

07/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33412	Web

07/23/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11788	Web

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30349	Web

07/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08244	Web

07/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63366	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 63801	Referral

07/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	DC 20002	Web

07/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44691	Web

07/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19119	Web

07/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40516	Phone	Older American

07/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33321	Web

07/02/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76137	Web

07/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92102	Phone

07/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 43953	Web

06/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36083	Web	Older American

06/25/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ID 83856	Phone

06/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22153	Web	Servicemember

06/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18013	Web

06/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 17851	Web

06/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95630	Web

06/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 00703	Web

06/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07059	Web	Older American

06/06/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85750	Phone	Older American

06/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29730	Web

06/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23454	Referral

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NH 03867	Postal mail

05/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94134	Web

05/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18411	Web

05/17/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IL 60628	Web	Older American

05/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37411	Web

05/15/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	PA 18940	Web

05/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29707	Phone	Older American

05/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23454	Postal mail

05/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98944	Web

05/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WA 98126	Web

05/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06066	Web

05/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17352	Web

05/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33065	Web	Older American

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 20176	Referral

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 20176	Referral

04/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60480	Web

04/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 49464	Referral

04/25/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10463	Postal mail

04/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10463	Postal mail

04/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20659	Phone	Older American

04/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28671	Web	Older American

04/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 10012	Web

04/20/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30809	Web	Servicemember

04/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19608	Referral

04/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76643	Referral

03/29/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NY 13045	Web

03/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08053	Web	Servicemember

03/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93534	Web

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18229	Web

03/24/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	PA 17601	Web	Older American

03/23/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 60443	Web

03/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08002	Web

03/19/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19123	Web

03/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 20902	Web

03/14/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	PA 19438	Web

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 45371	Phone	Older American

03/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10002	Phone

03/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95370	Web

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WV 25244	Referral

02/27/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 06902	Web

02/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97322	Phone

02/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90057	Web

02/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 31639	Web	Servicemember

02/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 34952	Web

02/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 16127	Web

02/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07512	Web

02/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 52722	Web

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14845	Web

01/27/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22405	Web

01/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95682	Phone	Older American

01/23/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	CA 92027	Web	Older American

01/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95054	Phone

01/15/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OR 97137	Web

01/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44124	Web	Older American

01/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10034	Referral

01/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92648	Phone

01/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30519	Web	Older American

12/29/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 52722	Web	Older American

12/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AK 99708	Web	Servicemember

12/24/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08736	Web

12/18/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18017	Phone	Older American

12/17/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33954	Web

12/11/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19138	Web

12/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07040	Referral

12/08/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32084	Web	Older American

12/02/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75068	Web	Older American

12/01/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10921	Web

11/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33176	Web

11/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15201	Web

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27896	Web

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22042	Phone	Older American

11/06/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98036	Phone	Older American

11/04/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91775	Phone

11/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 54935	Web

11/04/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33837	Web	Older American

11/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48327	Web

10/31/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19054	Referral

10/26/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30046	Web

10/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43560	Fax	Older American

10/09/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 32792	Web	Servicemember

10/08/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 16511	Web

09/24/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11214	Phone

09/20/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 13815	Web

09/19/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 44146	Phone	Servicemember

09/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77802	Web

09/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19608	Web

09/01/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53705	Web

08/29/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32250	Phone

07/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30294	Web

07/17/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08816	Postal mail

06/24/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	PA 17582	Web