PlusFour, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/20/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89145	Web	Older American
On XX/XX/2018, I found out on my credit report an incorrect account from PlusFour Inc. for past due amount of {$2800.00} as of XX/XX/2018. On XX/XX/2018, I disputed the collection account with XXXX and XXXX. As of today, I received the report of the investigation done by XXXX stating that the adverse account will remain on my credit report because PlusFour certified that information reported were accurate. All without providing me any written evidence by which PlusFour could support its false statement. After receiving the 'Collection Notice ' from PlusFour on XX/XX/2018 ( one and only written correspondence from PlusFour ), I disputed a validity of a debt by sending a certified mail letter on XX/XX/2018 to the address shown on the Collection Notice ( XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , NV XXXX ). The same dispute letter was sent to XXXX XXXX XXXX and to XXXX XXXX XXXX and XXXX. While doctors ' office and XXXX accepted the letter sent to their notice, PlusFour REFUSED TO ACCEPT my letter disputing a validity of a debt! On XX/XX/2018, I resent the dispute of validity of a debt by sending the second certified mail letter to the address available on the PlusFour website ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX-XXXX ), and the dispute letter was returned to me because an attempted delivery failed due to the addressee NOT KNOWN. PlusFour 's website provides only the mailing address ; there is no online form that can be filled by people like me. If PlusFour accepted my letter disputing the validity of a debt, they would know that the charges for specialist in-patients visits that I NEVER REQUESTED were still under the review and an appeal of my insurance. I received the FIRST BILL from XXXX XXXX XXXX at the end of XX/XX/2018! Based on my knowledge, the majority of the charges for 17 specialist in-patients visits were denied by my insurance because the doctor FAILED to obtain ( not once, but 17 times!!! ) a pre-certification for his repeated UNILATERAL non-emergency visits. Based on my records, my insurance after all re-processed all claims after my second appeal ( considering my serious health situation and hardship ) for 17 NON-EMERGENCY specialist in-patient visits that I NEVER requested!!! On XX/XX/2018, my wife called the billing department for XXXX XXXX XXXX to learn why I received the bill from their doctor, and she explained the whole situation with the review and a filed appeal with my insurance and my intention to wait for the result of the appeal for the charges for 17 specialist in-patient visits that I never requested. They were aware the appeal could take 45-60 days to be processed if not longer. Based on my records, my insurance processed the claims and paid to XXXX XXXX XXXX {$680.00} by sending checks in XX/XX/2018. Around the middle of XX/XX/2018, XXXX XXXX XXXX sent me a new bill for {$550.00} ( with costs of services {$2700.00}, showing an adjusted amount of {$1500.00}, and being paid {$680.00} by my insurance ). The bill generated on XX/XX/2018 is a proof that I did not owe {$2700.00} to XXXX XXXX XXXX as PlusFour continues falsely reporting to credit bureau agencies and even falsely reported to XXXX the accuracy of that information on XX/XX/2018, in a response to my dispute with XXXX! On XX/XX/2018, I replied to the bill ( through certified mail ) with a letter requesting from XXXX XXXX XXXX evidence of 17 specialist in-patient visits and medical notes/reports/test results, etc. that were allegedly provided every 3-4 days, and for which I am allegedly responsible to pay copayments ( including to provide me the name of the XXXX employee that arranged for those specialist in-patient visits, without telling me or asking for my approval ). I didn't see any doctor visiting me 17 times during my stay at XXXX. As a patient, I am ENTITLED to an explanation and understanding for what and why I was billed. In my opinion, doctors should not be allowed to put any bill that is in a dispute for collection, and if they do, the collection agency HAS TO ACCEPT A WRITTEN DISPUTE of a validity of a debt before reporting any debt to the credit agency and verify the validity of the debt. As of today, I still didn't receive any response from XXXX XXXX XXXX. It seems that I, as the patient, have no right to know why the doctor that I never chose ALEGGEDLY appeared for in-patient visits every 3-4 days and what he ALLEGEDLY did every 3-4 days. I AM STILL AWAITING THE EXPLANATION AND THE ANSWERS to my questions asked on XX/XX/2018. Based on the phone call with the representative of XXXX on XX/XX/2018, it's allegedly the PlusFour 's policy to refuse the certified mail correspondence received from people. Under Nevada law, I have a right to dispute the validity of a debt in WRITING within 30 days of receiving a collection notice. I made a WRITTEN DISPUTE OF A VALIDITY OF A DEBT, but PlusFour ignored it by its refusal to accept certified mail. In my opinion, by implementing its non-acceptance of certified mail policy, PlusFour doesn't want people to dispute a validity of a debt, and PlusFour doesnt want to go through a hassle of obtaining a verification of a debt for a consumer. I never in my life dealt either with a doctor that IGNORES the requirement of the pre-certification of non-emergency visits or with a collection agency ( or anyone ) that REFUSES to accept a certified mail letter. In my current experience, PlusFour HIDES from people behind its non-acceptance of certified mail policy, and XXXX XXXX XXXX ( doctors ) CONCEAL from PlusFour receiving the payment of {$680.00} from my insurance, as well as the fact there was the {$1500.00} adjustment to charges, and doctor 's irresponsiveness to my request for the explanation of his 17 non-emergency visits and to my request for the copy of medical notes/records/results, etc.. And I, as the consumer, am left to deal with the credit bureau agency that doesn't care about the proper investigation of the dispute as well.
07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89148	Web	Servicemember
I had disputed several accounts posted by PlusFour Inc in on my XXXX report that were created by my Ex-wife. PlusFour Inc is attempting to collect several debts for XXXX XXXX XXXX, after discovering these debts on my credit report, I attempted to get more information from XXXX XXXX XXXX but I was told to contact PlusFour Inc because these accounts are in collection and they refused to give more information on these accounts. Right away I contacted PlusFour Inc to get a debt validation but they had never responded to my requests. Since last year, I contacted PlusFour Inc and they had never provided any physical proof that these are my accounts. After I filed a complaint, I received a computer printout of these debts, these are no proof that these are my accounts, these statements showed that someone owe money to XXXX XXXX XXXX, but in no way these statements show that these are my debts as anyone can create any of these statements on any computer. PlusFour Inc was made aware that these accounts are not mine, is now over one year and they had never provided any physical verification as theyre required by the Fair Credit Reporting Act. They continue to report these accounts under my name after theyre were notified that the rightful owner of these accounts is my ex-wife. Reporting agencies are supposed to report accurate and truthful information but XXXX continue to report these accounts when they were made aware that these accounts are mine. XXXX had refused to proper investigate these accounts for proof that they belong to me, but they just go by a computer printout that shows an outstanding amount, these kinds of verification is harmful to the consumers because a computer printout is not a proof of ownership but these types of investigation save them money and time. I believe that PlusFour Inc doesnt have any physical proof, but the computer printout that they continue showing the credit bureaus and that is why they continue to use the tactics they had used so far. PlusFour Inc and XXXX are aware that these accounts are not mine, but they continue to report these accounts on my credit files. I had disputed these accounts with both XXXX and PlusFour Inc. The facts are, that I never been to XXXX XXXX XXXX for anything. My Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for the purposes of filing insurance claims but, in no way, Im obligated to pay for any contract that my ex-wife gets into it. XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled accordingly. Im not responsible for the claims that were summited incomplete and with errors by XXXX XXXX XXXX. I would had provided XXXX with any information they need it to process their claims, but I never received any communication from them or PlusFour Inc. For the record I will like to file an official complaint against PlusFour Inc for failing to notify me of these debts before placing them on my credit reports and for failing to respond to debt validations. Also, for looking the way when they had been notified of the truth owner of these accounts, they just dont care. I discovered these collections after requesting my credit report. Immediately after discovering that PlusFour Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour Inc. XXXX is the only credit bureau that refused to remove this inaccurate information from my files, I had made XXXX aware that these are not my accounts and told them the same thing over and over. I dont understand what kind of investigation are XXXX is conducting when clearly would show that these are not my accounts. XXXX is required by the Fair Credit Reporting Act that information reported is accurate but I dont believe that theyre following the law, since they continue to report inaccurate information on my file. Also, I like to express that my ex-wife didnt due anything wrong by using my credential for the purpose of Insurance claim. Since XXXX XXXX XXXX are provider to my insurance carrier my ex-wife is only responsible for {$10.00} co-payments, so this doesnt make sense since she made all co-payments required before she visit the doctor. The error was created by XXXX XXXX XXXX when they careless staff summited wrong information to the insurance company, causing claim to get declined, but I find myself in the middle of this mess.
07/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89148	Web	Servicemember
I had disputed several accounts posted by PlusFour Inc in on my XXXX report that were created by my Ex-wife. PlusFour Inc is attempting to collect several debts for XXXX XXXX XXXX, after discovering these debts on my credit report, I attempted to get more information from XXXX XXXX XXXX but I was told to contact PlusFour Inc because these accounts are in collection and they refused to give more information on these accounts. Right away I contacted PlusFour Inc to get a debt validation but they had never responded to my requests. Since last year, I contacted PlusFour Inc and they had never provided any physical proof that these are my accounts. After I filed a complaint, I received a computer printout of these debts, these are no proof that these are my accounts, these statements showed that someone owe money to XXXX XXXX XXXX, but in no way these statements show that these are my debts as anyone can create any of these statements on any computer. PlusFour Inc was made aware that these accounts are not mine, is now over one year and they had never provided any physical verification as theyre required by the Fair Credit Reporting Act. They continue to report these accounts under my name after theyre were notified that the rightful owner of these accounts is my ex-wife. Reporting agencies are supposed to report accurate and truthful information but XXXX continue to report these accounts when they were made aware that these accounts are mine. XXXX had refused to proper investigate these accounts for proof that they belong to me, but they just go by a computer printout that shows an outstanding amount, these kinds of verification is harmful to the consumers because a computer printout is not a proof of ownership but these types of investigation save them money and time. I believe that PlusFour Inc doesnt have any physical proof, but the computer printout that they continue showing the credit bureaus and that is why they continue to use the tactics they had used so far. PlusFour Inc and XXXX are aware that these accounts are not mine, but they continue to report these accounts on my credit files. I had disputed these accounts with both XXXX and PlusFour Inc. The facts are, that I never been to XXXX XXXX XXXX for anything. My Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for the purposes of filing insurance claims but, in no way, Im obligated to pay for any contract that my ex-wife gets into it. XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled accordingly. Im not responsible for the claims that were summited incomplete and with errors by XXXX XXXX XXXX. I would had provided XXXX with any information they need it to process their claims, but I never received any communication from them or PlusFour Inc. For the record I will like to file an official complaint against PlusFour Inc for failing to notify me of these debts before placing them on my credit reports and for failing to respond to debt validations. Also, for looking the way when they had been notified of the truth owner of these accounts, they just dont care. I discovered these collections after requesting my credit report. Immediately after discovering that PlusFour Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour Inc. XXXX is the only credit bureau that refused to remove this inaccurate information from my files, I had made XXXX aware that these are not my accounts and told them the same thing over and over. I dont understand what kind of investigation are XXXX is conducting when clearly would show that these are not my accounts. XXXX is required by the Fair Credit Reporting Act that information reported is accurate but I dont believe that theyre following the law, since they continue to report inaccurate information on my file. Also, I like to express that my ex-wife didnt due anything wrong by using my credential for the purpose of Insurance claim. Since XXXX XXXX XXXX are provider to my insurance carrier my ex-wife is only responsible for {$10.00} co-payments, so this doesnt make sense since she made all co-payments required before she visit the doctor. The error was created by XXXX XXXX XXXX when they careless staff summited wrong information to the insurance company, causing claim to get declined, but I find myself in the middle of this mess.
03/19/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89135	Web	Older American
On XX/XX/XXXX, I received a notification from XXXX that PlusFour Inc. had filed a Major Derogatory on my credit history. I am furious because I have excellent credit ( i.e., XXXX score in excess of XXXX ) and have been working since XX/XX/XXXX to have PlusFour provide me with evidence or proof that this claim was mine, as I NEVER RECEIVED AN INVOICE from XXXX XXXX. PlusFour had never responded to my certified letter, and when I called PlusFour they was unable to provide me with invoice numbers from XXXXXXXX XXXX, the name of the physician who authorized the test I was being billed for, or the medical insurance codes for the services. As I had disputed both claims for the reasons above and had not heard back from PlusFour, I assumed that the issue had been resolved with the information I provided when I disputed the claims. Obviously, it was not and they filed a Major Derogatory on my credit history. Here is the chronological summary of my disputed claims : Late XX/XX/XXXX Received a collection notice for {$460.00} from PlusFour ( no date on the notice ). XX/XX/XXXX Sent PlusFour a certified letter ( see attachment ) disputing the claim ( Reference XXXX ) and explaining that I had NEVER RECEIVED AN INVOICE from XXXX XXXX The letter explained that I thought it could have been an insurance billing error with XXXX XXXX XXXX and I provided my insurance information. Late XX/XX/XXXX Received a second collection notice for {$1200.00} from PlusFour ( no date on the notice )! XX/XX/XXXX Around XXXX received robotic generic call from PlusFour. Around XXXX I called PlusFour and spoke with XXXX XXXX I explained to her that I had sent a certified letter to PlusFour regarding the collection notice and had not gotten a response but instead received another collection notice. After about a twenty-minute conversation XXXX was able to determine there were now two different collection claims ( Reference numbers ending XXXX ( from XXXX ) and a new one XXXX ( from XXXX ). ) I asked what these were in reference and she said that she didnt have that information. She could not provide any information regarding the original invoice ( s ) from XXXX XXXX ( which I never received ), any information regarding what physician had ordered the tests, and could not provide me with any medical billing codes. She did acknowledge that it was in their system that I had disputed the first collection notice. I advised her to put in my records that I was also disputing this second claim. I reiterated that I had never received an invoice and I needed to know specifics about their claim to know that it was even my bill. So, in summary, what PlusFour has done has sent me two collection notices, which I have disputed and asked for specifics to verify that they were legitimate charges. PlusFour never provided that information, they just filed a major derogatory on my credit record. Why I also dont believe these are my charges is because I have used XXXX XXXX for my annual XXXX. and my doctors gets insurance pre-approvals before XXXX XXXX would allow me to schedule, then I go for the tests. After the tests, if there was a nominal amount due, I would receive an invoice from XXXX XXXX and I would pay it. This normal process has not happened and that is why I suspect insurance fraud. Why else would my certified letters and calls disputing the charges be ignored? I am asking PlusFour to IMMEDIATELY REMOVE the major derogatory from my credit report! This has major economic and reputational repercussions such that that I would be compelled to hold both PlusFour and XXXX XXXX responsible for both economic and reputational damages if this remains as any part of my credit history.
08/11/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 90066	Web
I received a letter from PLUSFOUR, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, in reference to a medical bill that at the time my mother signed the documents as financial responsible since I was in high school and a minor. Once I received the letter I called PLUSFOUR and gave them verbal permission to speak to my mother in reference to this account. My mother call XXXX XXXX, Debt Collector XXXX ext XXXX and set up payment arrangements on the account. I had just entered my first year of college and was not working so she was going to make the payments. This call took place on XXXX XXXX, with payments to begin in XX/XX/XXXX, my mother continued to ask that as long as we have an arrangement that this would not be reported to the credit bureau and was told YES by XXXX XXXX. My mother made sure that she stayed in contact with them if the payment was going to be late. The arrangement was for {$25.00} a month. A Payment was made for XX/XX/XXXX and XX/XX/XXXX {$25.00} each month for a total of {$50.00}. My mother call in XX/XX/XXXX to make the XX/XX/XXXX payment on XXXX/XXXX/XXXX at XXXX pm and she was ready to make the XX/XX/XXXX payment she always verified that this is not effecting my credit. XXXX advised her that it was reported to the credit bureau on XXXX XXXX, XXXX. We questioned why this has happened when we had a verbal agreement to make monthly payments on the account in the amount of {$25.00}. At that time my mother asked to speak to a supervisor ( XXXX XXXX ) that stated there was nothing that they could do once the account was paid in full then they could revisit the fact that it was reported to the credit bureau. I stated to her that this was not the agreement that was made and that they have not held their end of the agreement. I asked to speak to the Manager/owner XXXX XXXX so that I could explain that the company has an agreement with my Mother and did not hold up their end of the agreement. I was told that he was not available. My mother stated that she would like for a manager to call her so that we could get his figured out and we would continue to make the agreed payments once a manager has called her. We filed a complaint with the XXXX and received a reply that they are not responding to our complaint. As of today XXXX/XXXX/XXXX, we have not received a call back from the company to resolve this and continue to pay. I am a college student and because they did not keep their end of the agreement up, this is reported on my credit report which is preventing me from getting a student loan to continue my education. This is very disturbing that collection companies can make arrangements with you and then go against their work and you had been paying them. It is unethical that they can affect your life and you have agreed to settle or clear the debt and the only answer that they have is pay the debt and then we can talk. I am an unemployed college student whose parents agreed to help and resolve this and the collections agency was unethical.
09/18/2020	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	NV 891XX	Web
To XXXX Dispute Department, XX/XX/XXXX Re : Dispute claims from Creditor : XXXX XXXX XXXX and XXXX XXXX. Report number : Date Generated : XX/XX/XXXX XXXX XXXX. Amount : {$110.00} Dear People, This is a complaint against XXXX XXXX XXXX and XXXX XXXX under the federal Fair Debt Collection Practices Act. We allege abusive and deceptive practices. For services performed on XXXX XXXX and XX/XX/XXXX0 in XXXX XXXX, XXXX XXXX XXXX ( XXXX ) has failed to invoice me. To this day they have never sent me a bill for their services. Nor did I receive the usual Explanation of Benefit from my insurance company, XXXX XXXX and XXXX ( XXXX ), regarding my co-pay to XXXX. The first bill I received was from a collection agency, XXXX XXXX which didn't tell me that I was to be charged daily interest and nor would it report me to credit burau as the case in dispute. XX/XX/2020, when I again called XXXX about co-pay to XXXX, insurance agent XXXX again told me there were no claims from XXXX. XXXX called XXXX while I was waiting on line. XXXX at XXXX acknowledged to XXXX XXXX XXXX, that XXXX had made claims to a wrong address. She promised to resubmit claims to XXXX and to bill me. She also agreed to tell collection agency not to pursue actions against me. Taking XXXX 's words, XXXX told me to disregard the bills from collection agency and wait for XXXX bills. However, XXXX didn't take actions as promised. XX/XX/2020, I called XXXX to request the claims from XXXX in writing. XXXX tried to contact XXXX unsuccessfully. I requested a complaint letter to XXXX. XX/XX/XXXX, I called XXXX regarding the reply to my complaint letter. There were five separate charges from XXXX which were confusing, since I have never seen these numbers before. I waited for XXXX itemized bills until XXXX XXXX. XXXX XXXX, XXXX automated phone message indicated my balance was five dollars. I spoke to XXXX @ XXXX billing department, who indicated that the balance was {$270.00}. I offered to pay the balance, but XXXX said she would not take credit card payment, I needed to pay in some form of cash. To use credit card, I need to deal with collection agency, XXXX. No useful discussion has been possible with the collection agency. They want all the money they can get. XXXX XXXX Solutions made a number of mistakes. I was caught in the middle of the mess XXXX made. It is XXXX ' responsibility to resolve this issue for me. I am willing to pay {$270.00}, with no additional fees, nor interest. I didn't learn about the itemized bills until XX/XX/XXXX, when XXXX answered my complaint. To this day, I still have not gotten any itemized bills in writing from XXXX. In the middle of the pandemic, many things have gone wrong. It is unfair for any business to ignore the facts, especially its own mistakes. Sincerely, Copy to : XXXX XXXX XXXX XXXX XXXX. FTC
05/05/2016	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CO 804XX	Web
About 2 months ago, upon getting a notification from XXXX XXXX that there had been a change on my credit report, i discovered a collections account listed as Plusfour for {$25.00}. I immediately proceeded to look up the company and contact them to resolve the issue, as quickly as possible, since I had never been contacted by them nor did I know what this outstanding debt was for. When I spoke to a representative I confirmed my address ( which was incorrect in their system since I had recently moved XXXX ) as well as my phone number, which was still the same. At that time she informed me she could not discuss my account with me because I was no longer a XXXX resident and they were not licensed XXXX. I told her I understood and asked what i needed to do to proceed. She said they would be transferring my account to a company that was licensed XXXX and that it could be XXXX5 days. I waited almost two week and then called Plusfour again because I had still not heard from anyone and I was eager to resolve this, since this was still a negative remark on my credit score that had lowered my score by XXXX points. Once again I was told that they could not discuss my account because I resided XXXX, but the representative did provide me with the phone number with the company that was now handling my account. I went ahead and contacted the XXXX Debt company and was told by the representative that according to her records they did not have any outstanding accounts associated with my name, SSN or phone number. Once again I called Plusfour this time to inform them that the company whose phone they gave said there were no accounts for me. She verified that she gave me the correct information, which she had. I asked to speak to a supervisor and was told he was not in but that he he would review my account, contact the colorado company and then follow up with me, which he never did. Almost 2 months have gone by and I have still never been contacted by anyone in order to resolve this issue. As someone with a credit score over XXXX who has never had an account in Collections before this, I am now infiruated that this negative remark is still on my credit report and that although I have done everything in my power to find out what it is about or how to resolve it, i have been unable to. Plus XXXX never called me once in regards to this account before reporting it to the credit bureau, in fact they 've never called me at all. I would have resolved it before it ever got to this point.
01/12/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MN 55416	Web
XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} Plusfor ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from Plusfor. Apparently they assigned the collection to XXXX XXXX ( a XXXX debt collector ) as I was a XXXX resident. XXXX/XXXX/XXXX - Received a collections notice from XXXX for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called XXXX to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that XXXX can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called XXXX to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via Plusfor ) and close my account. Some days later I talked with XXXX XXXX XXXX at XXXX to confirm that everything was in order. He told me that Plusfor had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. I have followed up several times with all parties : XXXX are clear that my account has been paid in full, Plusfor refuse to talk to me, XXXX XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. XXXX/XXXX/XXXX - XXXX XXXX XXXX called me. He told me that Plusfor still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows XXXX following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. Plusfor continue to report a non-existent debt on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
12/17/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NV 89128	Web
I had a debt that accidentally went to collections in the amount of {$50.00}. The dispute was listed on my credit and that's the first I was notified, so I paid it with the healthcare provider immediately. Unknowingly, this did not get reported to the debt collection agency, Plus Four Inc. Upon finding this out, I reached out to them directly and they attempted to collect my " debt '' again in the amount of {$50.00}. So now I have paid the debt twice, when I called to remove the second charge with proof I paid it the first time, the employees at plus four refused to work with me. They began hanging up the phone, ignoring my phone calls, leaving me on hold for hours with no intention of answering the phone, refusing to allow me to speak to a supervisor claiming there were none there and REFUSING to admit payment had been made despite correspondence multiple times over multiple days from XXXX XXXX XXXX. I reached out to XXXX XXXX numerous times until I reached a supervisor and she called directly for me. Still, plus four is refusing to remove the debt and it keeps escalating each month as if it has been unpaid, despite being paid twice. They refuse to simply reach out to XXXX XXXX to show that the amount has been paid and will only accept payment proof in person and/or standard mail. I have been treated like I am a criminal over {$50.00} I was unaware of, paid immediately and then paid immediately again to resolve the issue. This company does not want people to resolve their debt and they will seemingly do ANYTHING to not allow people to resolve their issues with them. Ignoring phone calls and hanging up on people is a violation of the Fair Debt Collection Agencies Act, as I have the right to speak to them when necessary and they are preventing me from resolving my issue ... Literally. It is also a violation to force or coerce people into paying a debt, whereas they knowingly took payment for a debt that was already collected all whilst refusing that they received notification of payment, which they have three times now. They should be shut down or thouroghly investigated for their practices and the way that they have taken it upon themselves to treat people who are good citizens TRYING to do the right thing.
07/10/2021	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 22102	Web	Older American
I am a XXXX years old senior, living on ( {$800.00} ) social security a month and covered by XXXX and XXXX insurance, I already disputed these three charges, all my medical charges were covered and paid by XXXX and XXXX, but these three collection ( it seemed are Over charges for Unnecessary visits for no Treatments, just to keep charging the XXXX and to keep charge me extras for no medical need ), I field a dispute and my dispute was investigated by XXXX and it was Removed from and deleted from my credit report as shown below, But these three collections accounts Still showing on my credit report by XXXX XXXX XXXX despite my repeated letters and dispute to both agencies but got no satisfactory conclusion and response, this irrespirable behavior by these collection companies and reporting agencies caused me Great Harm and Denial of credit applications, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - these are the three collection : 3 - collections {$860.00} Reported balance PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00}. These -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- These Three collection was reported by : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is from TransUnion : Accounts In Collection Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is from XXXX, it was removed and deleted from my credit report, Your Dispute Results Investigation Results Print Report Created On : XX/XX/2021 File Identification Number : ( XXXX ) Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - DELETED : The disputed item ( s ) was removed from your credit report. In response to your dispute, these three items was DELETED from your credit report. PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you for your attention, my email ( XXXX ).
01/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89122	Web
On or about XXXX XX/XX/XXXX when checking my XXXX credit file I found two trade lines from PlusFour Inc neither of which I had received any notification regarding ; note to date they have still failed to send an initial notification with rights to dispute. In Nevada our state medical collection laws now require a initial notice be sent 60 days via certified mail prior to any collection action being taken which they failed to do but they have also failed to meet the federal standard of sending a notice 30 days prior to enforcement. On XXXX XX/XX/XXXX I sent PlusFour a formal letter of dispute requesting XXXX. An initial notification letter as required by law, XXXX. Validation of alleged debts owed, XXXX. The trade line be deleted due to their violation of my consumer rights and a 60 day stay of execution prior to re-reporting if the debt was valid and remained outstanding at that time. The alleged debts being reported are as follows : XXXX XXXX XXXX, date of delinquency XXXX XX/XX/XXXX, Original Balance {$130.00}, Current Balance {$140.00}, last updated XXXX XX/XX/XXXX AND XXXX XXXX XXXX date of delinquency XXXX XX/XX/XXXX, Original Balance {$70.00}, Current Balance {$71.00}, last updated XXXX XX/XX/XXXX. On or about XXXX XX/XX/XXXX I received a initial validation letter for XXXX XXXX XXXX, no original delinquency date, Balance due of {$63.00}. On or about XXXX XX/XX/XXXX I received a validation document from PlusFour, the attached statement from the creditor XXXX XXXX XXXX lists a date of service XXXX XX/XX/XXXX and date of last payment XXXX XX/XX/XXXX, balance owing {$130.00}. On XXXX XX/XX/XXXX I sent a second letter to PlusFour advising the following : XXXX. The balance they are claiming is for {$63.00} while they are reporting and submitted a validation of debt with a balance of {$140.00}, XXXX. They have failed to furnish any evidence of a debt owed to XXXX XXXX and have failed to provide an initial notification letter regarding the debt. I advised that I would be pending any escalation on my part for 15 days to allow them response, as of today date PlusFour has made zero additional attempts to resolve this dispute.
02/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76549	Web	Servicemember
I am disappointed with the response received due to plusfour failing to validate that insurance and the medical company have worked through my claim as of XX/XX/2019 and nothing is owed on my end. Also that plusfour has private medical information which I never released and is a complete violation of Hippa. This was never a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Which at minimum should include the following. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 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. I am allowed proper validation 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 requested full documentation of what you received from the provider of service in connection with this alleged debt. I attached the private information that plusfour responded with that was a complete violation of my rights to privacy. And in absolutely no way was VALIDATION that the debt is owed to them.
10/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89002	Web
Today XX/XX/2019 First time I tried to call this company that has negatively impacted my credit it appears since XX/XX/2019. I contacted this company via telephone to get some understanding or dispute it if possible and I was connected eventually to a person named XXXX I was told. Her real name despite asking and even speaking to someone under her named XXXX lied and told me it was XXXX not XXXX or even XXXX - unsure of who is in charge at the place affecting my credit negatively upon first call ever. You can probably see based on what I have just said how this doesn't sound good. Never the less I was told she doesn't have a supervisor and later that the supervisor she doesn't have doesn't take calls from the floor. I asked for that persons name over and over and was refused to be given an answer - the person that lied about how her named was spelled numerous times and clarified if this was the full spelling and accurate spelling and lied over and over is named XXXX - some guy apparently after trying to get the owners name of the company since the person in charge is just hanging up on me and her employees under her just lie about who you are speaking to this has gone absolutely no where. I can not believe people could act so immaturely after calling about something this serious. I have since filed complaints everywhere possible except the County today and I will be mailing off my complaint to them tomorrow. There is no excuse for people acting this way and not being able to get information when calling about something that has this much of an impact on someones life. They clearly feel they can say or do whatever they want with no reprocussion. I feel bad for anyone that has a substantial amount owed from these people. I have since reached back to the DR office that initially reported this and explained what happened when calling them for the first time and am supposed to get a call back by end of business today about what they can possible due regarding the account at hand and the non sense mentioned taking place by these less than responsible people at PLUSFOUR inc in XXXX XXXX nv. Thank you
08/22/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89122	Web	Older American
A debt collector PlusFour, Inc. sent me a collection letter for a medical debt dating approximately back in XX/XX/2019. I responded by writing a letter to them and copy furnished our insurance company at the time for abatement of charges due to the fact that, at the time of my doctor 's visit, I was not aware that the medical facility was no longer in network. When I called the insurance company, I was informed that the charges are my co-pay and that these charges should be paid. I argued that if I had known that the doctors and facility are no longer in network, I would not have gone to the doctor and would not have incurred these charges. Without notifying me, the debt collector sent the amount owed of {$370.00} plus collection charges of {$200.00} for a total of {$570.00} to the credit bureaus. Prior to this, I requested my debt management company, XXXX. XXXX to call them on my behalf so that I can add this amount to my debt management and pay if off even tho I am disputing it. XXXX informed me that they will not talk to them and that I should call. I did call and the lady that answered me was rude and uncooperative. My husband also received a collection letter in the amount of {$270.00} plus collection charges of {$140.00} for a total of {$420.00}. I am trying to payoff all our debts in the hope that our credit score and debt to income ratio will improve over time so that I am able to refinance our house in the future. I would like to ask for your agency 's help on how to resolve this problem. I can't afford additional debts and I can't afford to have a derogatory remark on my credit report. I am willing to pay these debts with an amount that's manageable right now and for the collection agency to remove the derogatory remark on my credit report. But, like I said, I am also trying to dispute this debt because we would not have gone to see the doctor if we were notified that they are no longer in network. I have documents that I can provide should you need them. Thank you very much for your anticipated help with this matter. Sincerely, XXXX XXXX
01/03/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89107	Web
I contacted PlusFour who told me to contact XXXX XXXX XXXX there was nothing they could do. That their client had to contact them. I contacted the Billing Department of XXXX XXXX XXXX and was told by the Billing Dept that there's nothing they can do since XXXX didn't pay. I continue to get the run around from the Billing Department of XXXX XXXX XXXX and PlusFour. My insurance companies have reassured me that I had coverage at that time and should not have been billed. I have been dealing with this since XX/XX/XXXX and I am still in collections and I have yet to get this issue resolved. After my 2nd call, I spoke to Supervisor XXXX of XXXX XXXX XXXX and informed her about being sent to collections in error and that I have had coverage with XXXX & XXXX during the DOS that I was billed and sent to collections. I explained everything that was told to me during the 3-hour conversation with a rep from the state of Nevada 's XXXX office. She also didn't understand why XXXX was not billed and why I was sent to collections. Per XXXX of XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX did not pay for the following DOS & Claim No : XX/XX/XXXX XXXX {$22.00} I owe and paid this claim since my XXXX coverage did NOT start until the following month ( XX/XX/XXXX ) XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS XX/XX/XXXX XXXX {$26.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$99.00} ( XXXX ) I had coverage with XXXX & Nevada XXXX at the time of this DOS On my 1st call to the Billing Dept of XXXX XXXX XXXX, I spoke with XXXX ( male ) rep who disconnected the call after I repeatedly asked to be placed on hold to speak with a supervisor. 2nd call spoke with Supervisor XXXX. 3rd call left a complaint/message with CSR for management of the Billing Department which they still have not gotten back with me. When I call everyone is either busy, out of the office, in a meeting, or on the phone.
02/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX Federal Trade Commission Consumer and Governmental Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX, XXXX. Washington, DC XXXX Re : XXXX XXXX Plus Four ( Refuses to accept any correspondence or delete the discrepancy ) To whom it may concern : I am respectfully requesting an investigation be initiated on my behalf on the above-mentioned company, specifically Plus Four Inc. I have on numerous occasions sent correspondence, thus was refused by Plus Four Inc., made phone numerous telephone calls to both of the named companies and they continue to report false information on my credit profile. I have been continuously harassed by this company as they are trying to collect on a medical bill when I had medical coverage on the dates of services they have provided. My Health Plan Insurance provider has also been in contact with the initial medical provider, and thus as per the attached correspondence the medical provider has noted a {$0.00} balance on my account. Plusfour has been notified on several occasions from the original creditor to delete any and all discrepancies and they have refused to do make ti proper corrections/deletions to date. Although, I have continuously informed the referenced collection agency of this they continue to harass and demand payment and refuses to accept any of my written correspondence or the direction from the original creditor, XXXX XXXX. I have also written all three credit bureaus, and XXXX, has been the only agency that refuses to accept my evidence and delete from my credit profile. I am hopeful that you can assist in getting this resolved and removed. I thank you for initiating this claim and taking the time to assist me in rectifying this issue. I would also like to initiate and exercise my rights to collect the fees ( {$1000.00} per occurrence ) as per the FCRA of not removing when I first requested on XX/XX/2019. Regards, XXXX XXXX XXXX cc : XXXX XXXX PlusFour Inc. ( Refuses to accept any correspondence )
04/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89148	Web
XX/XX/XXXX After checking my credit reports, I noticed that PlusFour Inc a debt collector had posted eleven medical accounts with credit bureaus as negative. I was never contacted by PlusFour Inc. I wrote to them the same day to request a debts validation for all eleven accounts by certified mail # XXXX XXXX XXXX XXXX XXXX and by regular mail. I had full medical coverage since XX/XX/XXXX except for the {$10.00} co-payment that're always get collected upfront and I only visit providers covered by my insurances company. XX/XX/XXXX PlusFour Inc refused my certified letter and was return back to me, except the regular mail. XX/XX/XXXX Second request by regular mail to PlusFour Inc for accounts validations since I didn't get a response. XX/XX/XXXX Third request by regular mail for accounts validations - No responses. XX/XX/XXXX Received a collection bill from PlusFour Inc for XXXX XXXX XXXX for the amount {$110.00}, bill date XX/XX/XXXX. The same date I wrote back to them by regular mail requesting validation. XX/XX/XXXX received a bill again with a XXXX XXXX XXXX account statement showing zero balance, insurance company had settled with XXXX XXXX XXXX on XX/XX/XXXX. This statement was provided to me by PlusFour , Inc how is that they refused to read this statement and were quick to bill me for something that was already settled. XX/XX/XXXX I responded again to them and took the opportunity to request validation for all eleven accounts reported on my credit reports by certified letter # XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX PlusFour Inc refused my certified mail again and continue to report inaccurate information to the credit bureaus. It's not fair to the consumers that collection agency chooses what mail to receive and which one to refuse, we the consumers spend a lot of money sending certified mail but, the collection agency due it thru regular mail when is convenience to them. I'll be attaching copies of the letters, certified mail receipts, USPS trackings and other documents as necessary.
03/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34684	Web
This is the second complaint I am filing against Plusfour , Inc for illegal collection activity. Plusfour is not a licensed consumer collection agency in the State of Florida where I reside. I filed the original complaint against Plusfour on XX/XX/XXXX. Plusfour responded on XX/XX/XXXX and acknowledged that they are not a licensed collection agency in the State of Florida. Plusfour has continued their illegal collection activity by reporting the collection account to XXXX, XXXX, and XXXX. They have reported the account three times to XXXX in XXXX, XXXX ( See attached ). I have recently been informed by my attorney that Plusfour was sanctioned on XX/XX/XXXX by the Florida Attorney General and the Florida Office of Financial Regulation for operating as an illegal consumer collection agency from XXXX through XXXX ( See attached ). As a result of their illegal activity, Plusfour restricted from conducting any consumer collection activities in the State of Florida until XX/XX/XXXX. Section 4 ( c ) of the State of Florida Settlement Agreement specifically states - Respondent shall not engage in any activity pursuant to Chapter 559, part IV, Florida Statutes, which requires a registration from the Office unless properly registered. Further, Respondent shall not act as a control person, as that term is defined in section 559.55 ( 4 ), Florida Statutes, of any consumer collection agency registered by the Office nor shall Respondent apply for any registration pursuant to Chapter 559, Florida Statutes, for a period of five ( 5 ) years from the docketed date of the Final Order adopting and incorporating this Settlement Stipulation. At this point, I am willing to cooperate fully with all State and Federal investigations into Plusfour regarding their illegal collection activities. If this account is not deleted immediately from all of my credit bureau files, I will instruct my attorney to file a lawsuit against Plusfour for their illegal collection activities, and will be seeking damages and attorneys fees.
05/07/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89148	Web	Servicemember
I had disputed several accounts posted by PlusFour , Inc collection agency in my XXXX files that belong to my Ex-wife. Reporting agencies are supposed to report accurate information but XXXX continue to report accounts thatre not mine. PlusFour , Inc is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. I had disputed these accounts with both XXXX and PlusFour , Inc. The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. So, getting back to PlusFour , Inc I was never notified of any collections by PlusFour , Inc or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. Immediately after discovering that PlusFour , Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour , Inc. PlusFour , Inc had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. I believe that XXXX favor they paid clients and really dont want to upset by requesting full verification from PlusFour , Inc. Its not fair that thousands of innocent consumers life is damaged by the behavior that XXXX had shown over the dispute process and collection agencies like PlusFour , Inc that reports inaccurate information without any consequences due to the loop holes in the laws.
06/08/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89139	Web
On XX/XX/2022 I received a call from the collection agency while I was currently admitted in the XXXX. I missed the call so I called them back and advised them that I was not in a position to discuss the situation at all and they they needed to cease any and all communication immediately and disconnected the call. Since them they have continued to make repeated attempts to contact me ( at least 5 additional calls since then ). They use deceptive measures to disguise their identity buy consistently changing the caller ID to read veracious things, however they do provide voicemail messages. The voicemail is the " XXXX XXXX '' so clearly is the agency that was placed on a cease communications verbally. I have had no communication in written form to date. They were legally mandated to provide a XXXX letter per Nevada collections law sent either certified mail or registered mail. This was never done. This would have provided me 30 days notice prior top any collections beginning. Once this is done they can send a initial collections letter providing 30 days to dispute the debt. This never happened either. This agency is clearly not abiding by Federal or state laws such as the FDCPA or state laws XXXX XXXX as well as well as the regulation F mandate that provides a 7 day cool off period between calls once communication is established. The initial conversation was on XX/XX/2022 ( provided they were not placed on a verbal cease and deceit ) and they provided a voicemail message on XX/XX/2022. This collection agency is using and continues to use Unfair, deceptive, or abusive acts and practices as part of the daily operations. I currently still have no idea what debt they may be referring to since they never handled themself correctly with any communication both written or verble. Please help me put an end to the abuse and harassment.
05/05/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32526	Web
This is not a duplicate dispute To whom it may concern, I recently sent XXXX a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # 1 PlusFour , Inc. / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the PlusFour account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in PlusFour , Inc.s illegal reporting practices. 3. The account reported above are not my debit, and I have no knowledge of it. 4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves PlusFour, Inc.s illegal reporting practices. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
04/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33881	Web
On XX/XX/XXXX I noticed that I had a Collection account in my XXXX Credit Report. The account was From PLUSFOUR INC. and the debt originated at XXXX XXXX XXXX ( both companies are in Nevada ) I contacted PLUSFOUR right away and they told me that the account that started with the numbers XXXX belongs to a person who the last name is XXXX, name that I had only during XX/XX/XXXX until XX/XX/XXXX because I was married to XXXX XXXX XXXX and we lived in California. Since XX/XX/XXXX my name has been XXXX XXXX XXXX XXXX, and the birth date was different than mine. I have been living at XXXX XXXX XXXX XXXX, FL XXXX since XX/XX/XXXX ( I have lived in this address before ). I have NOT lived in XXXX XXXX, NV since the XX/XX/XXXX and my name was what is today XXXX XXXX XXXX XXXX. This debt account was opened on XX/XX/XXXX and is most definitely not mine! PLUSFOUR INC refuses to call XXXX to clear that up. I called XXXX and they told me that they were going to dispute but without a call from PLUSFOUR it may be difficult. I called PLUSFLOR INC and XXXX enumerable times and all I could do was to start a dispute on line and on over the telephone with XXXX and they told me that may take a month or a long time. I am also sending a certified letter to XXXX to dispute it over them mail also to reinforce the need for them to fix my credit report. I file a report with IdentityTheft.gov reference # XXXX and filed a police report with the XXXX XXXX Police Department with XXXX XXXX XXXX XXXX case number XXXX. I don't know what to do any more! I became handicapped and need to buy a car with a ramp to put my scooter and my fico score that was ALWAYS XXXX + now is XXXX ( at least with XXXX XXXX. Please help me! I NEVER paid a bill later in my entire life!
12/04/2017	No	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89117	Web
In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.
02/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 957XX	Web
XX/XX/2019 I was taken to the hospital via ambulance for an XXXX XXXX XXXX I was kept over night. XXXX refused to pay a medical bills. The hospital XXXX liaison failed to secure payment, and a local charity refused to respond. I advised the provider ( s ) in writing more than once that I was attempting to get the bill covered via XXXX and/or charity : neither responded. Every other provider has accepted compromise and settlement of their accounts. The subject company billed me for {$1700.00} ( with an unexplained total of {$2700.00} ) ; apparently referred the account to a collection agency ( PlusFour ) that refused to talk to me because I called and disputed the collection notice. Then I was notified by credit reporting that this company had issued a second collection notice in another amount, squatting on my credit report. They have refused to send complete information, they don't have to talk to me because I contested it. They continue to charge " interest '' on the fraudulent listing on my credit reports. I have sent a letter to the medical provider with a check in offer of full and final settlement. I am XXXX and XXXX where I can, using a friend 's address as a temporary mailing address. The provider hasn't responded or processed the check and the collection agency continues to refuse to correspond with me and provide complete paperwork on what they are trying to collect. The provider is an imaging lab that apparently billed above what the hospital charged which I did not agree to. The agency, PlusFour in XXXX XXXX, Nevada is in violation of FTC and CFPB regulations. I have acted in good faith and the provider and their collector have not.
06/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV XXXXX	Web	Older American, Servicemember
About 3 weeks ago, I got a credit alert, that I had a collections account on my credit report, then I checked my XXXX account, and saw that Plus4 Collections, Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, was reporting this. I immediately called them to dispute this, and told them, that they never even notified me before putting this on my credit report. Parenthetically, they still haven't given me written notice to this day! They said XXXX XXXX, then I told them the VA payed all my medical bills, because I am XXXX % XXXX, and that, they too never sent me a bill. Please give me their phone number, I demanded. I don't have that information XXXX said. I hung up, and proceeded to get that information. Calling XXXX XXXX, they confirmed, that all the bills they sent me were returned, because they used the hospitals billing system for my mailing address, even though, EVERY TIME I went for a test, I put my current, CORRECT mailing address on all their paperwork, they failed to change their records, and, because they didn't timely notify the VA of these bills, the VA would not pay, but agreed to write them off. On the XXXX of XXXX, Plus4 Collections, Inc., was notified by XXXX XXXX to end their attempts at collecting this debt, but instead Plus4 Collections, Inc., notified XXXX that I had filed for bankruptcy, which I have not!! I called Plus4 Collections, IncXXXX, and demanded they remove the lie from my account immediately, but they denied doing it. I filed a dispute with XXXX. I called back Plus4 Collections, Inc., with a representative, XXXX, from XXXX XXXX to have it removed forthwith, but they hung up on us.
05/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89169	Web
I received a bill in my minor childs name that was placed into collections with PLUSFOUR INC. when I inquired about why I received a bill in my minors name and the fact that I dispute this since all co-pays were either paid or taken care of by free visits with my insurance and that Ive never received a previous bill I should not be in collections. The woman helping me advised that she would not send the notes that Im also disputing this only send back that it was billed in a minors name. I advised again that this is unacceptable and I also want it disputed as theres no reason for it to go back just to come back to them and then be disputed again and she still refused to add the notes that I was disputing it. I also advised her it is illegal to send a collections note to a minor and that if she did not send my notes that Im also disputing this that I would be filing this complaint. If they are true collectors it is their responsibility to ensure that they are not collecting on a minor or the wrong person. They did not practice due diligence and Sent a collections notice in a minors name, and Me as her parent requested that they also dispute it she continued to refuse until I became frustrated and she decided to hang up on me for using the word XXXX and raising my voice. This is unacceptable and this business needs to be looked into as I dont believe they are following laws. I have attached a copy of the collection notice in my XXXX-year-old daughters name she is clearly a minor shes not even close to being XXXX years old where this could be a small mistake shes XXXX years away from being XXXX years old.
01/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34684	Web
In XX/XX/XXXX, Plusfour , Inc. reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. In XX/XX/XXXX, I sent a letter to Plusfour disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Plusfour disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Plusfour has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Plusfour is not a licensed collection agency in the state of Florida. Additionally, they have violated multiple FDCPA laws. Plusfour has a long history of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. Plusfour has been the named defendant in a multitude of lawsuits filed in the United States District Court, XXXX Nevada. The lawsuits were filed by consumers due to fraudulent business practices and violations of federal and state law. Plusfour has 138 complaints filed against them with your organization., Plusfour Inc. currently has an F rating with the XXXX XXXX XXXX with multiple unanswered complaints. Additionally, I am a permanent residence of Florida and Plusfour is not a collection agency in Florida as required by law. I am requesting that this company be investigated and that the account be deleted from my credit Bureau file immediately.
06/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89081	Web
On XX/XX/2020, sent certified letter to Plus Four, Inc requesting validation of debts being reported to reporting agencies. XX/XX/2020, Plus Four, Inc sent a response stating they were unable to locate my account with the information provided and to provide account numbers for each entry on each agency 's report. XX/XX/2020 sent certified letter again to Plus Four, Inc with all account information as requested and requested validation of the debts being reported. No response from Plus Four, Inc was received. In XX/XX/2020, I received a notification from XXXX XXXX that the information had been deleted from my credit report and my score had increased. In XX/XX/2020, received notification from XXXX XXXX that my score had decreased due to updates on my credit reports. When I reviewed the details, I noticed that Plus Four, Inc had re-added these debts to my report, yet they had NOT provided validation as requested in my letter sent on XX/XX/2020. Additionally, they continuously adjust the amounts being reported, although in Nevada, I don't believe they are allowed to add interest to collection accounts. I have informed Plus Four, Inc that I do not recognize these debts and asked them to provide validation and they did not. They temporarily removed the entries, then later reported them again without complying with my original validation request, which I feel has violated my rights according to the FCRA. I am very frustrated with their tactics and reporting this incorrect information is having a substantial negative affect on my financial situation.
05/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 13440	Web
Scheduled XXXX appts w/an Dr that took my insurance in Nevada.A few days later I fled a XXXX XXXX XXXX ( police involved ) did not think to cancel appts. Drove from XXXX to XXXX with my XXXX, 2 dogs and the clothes on our backs. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX.Spoke to them and mailed correspondence disputing the collection on XX/XX/XXXX. They closed account and said they would not seek further action on XX/XX/XXXX. The following year I requested a credit report from XXXX. Found a Plus Four Collection for the same acct. I called XXXX XXXX and they said they could do nothing about it as it was not them reporting to the credit agencies, it was Plus Four Inc who had forwarded the acct to them for collection. I called Plus Four and they refused to discuss it with me AT ALL as they were not licensed to collect in NYS. I disputed w/ XXXX - they removed from credit report. A few weeks ago I was told by my bank that XXXX was reporting the debt from PLus Four. Filed a dispute. They contacted Plus Four and were told that it was an active collection so it is not being removed from my XXXX report. This has affected the interest rate on home equity and auto loans. I again contacted Plus Four today, XX/XX/XXXX, and they again refused to talk to me. So I am stuck with XXXX XXXX saying it's a closed file but they can not assist in removing from credit reports as it is Plus Four that is reporting it and Plus Four is refusing any communication. They would not even provide me with an email or fax #.
01/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89178	Web	Servicemember
XXXX XXXX, a dentist office in XXXX XXXX, NV, that my wife and I visited in mid 2015 is claiming that, after my insurance was charged, that we had a combined balance of {$21.00} due that was a result of their error. I just recently received a notice from my credit monitoring service that a collection company placed a collection notice on my credit report trying to collect {$52.00}. When I called the collection company to verify what this charge was for and for the break down, they informed me that it was a {$21.00} charge from 2 years ago that originated at XXXX XXXX, a {$10.00} finance charge from the same dentist office and then another {$21.00} fee from the collection company that XXXX XXXX used. When I asked for verification of the collection, they said that the office attempted to contact me several times, and when I asked why there was a {$10.00} finance charge when I never applied for credit or signed any type of contract with the office, the replied that it was the dentist charge. Along with the {$10.00} bogus charge, the {$20.00} charge from the collection agency is a tactic to get the bill over {$50.00} dollars and reported on someones credit report. When I asked the credit agent representative, why someone would go to this length to collect {$20.00}, the response was a laugh and saying she had seen worse or less amount. I offered to pay the balance due be the dentist office without even being aware of what it was and she said that I could do that, but would still owe the remaining {$31.00}.
04/10/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89135	Web	Older American
This is a follow up to complaint XXXX - PlusFour ( which they incorrectly closed ) and XXXX - XXXX XXXX which is still open. Both parties finally provided me information regarding the basis for their claim. It is now however obvious that this is a medical billing error on the part of XXXX XXXX. I have send a certified letter ( my third ) to both XXXX and XXXX XXXX showing that ( 1 ) I had continuous health insurance coverage in XXXX and ( 2 ) they incorrectly billed the wrong XXXX XXXX . I also demanded for the second time via certified letter that that PlusFour and XXXX XXXX IMMEDIATELY REMOVE the incorrect MAJOR DEROGATORY with all credit agencies that they have put on my credit history! Additionally, I suggest that they rebill as the services XXXX XXXX provided ( i.e., my annual female check up exam ) are covered by my insurance and if they had billed correctly I would not be dealing with this issue I am uploading the most recent certified letter where I have now documented ( from their records! ) they have a billing error and that I had insurance coverage during this period of time. This is my third certified letter and one phone call that I have had to invest time in order to identify they have a billing error. I am not uploading the attachments to my last certified letter of XX/XX/XXXX as the file is too large. I am uploading only the cover letter. At the end of the second page of the cover letter I have included the time line of my efforts to identify and correct this issue.
07/19/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89031	Web
On XXXX XXXX, at approximately XXXX XXXX ( advised I may be recorded ) I contacted XXXX XXXX Collection agency at XXXX and XXXX, in reference to come to terms with a possible debt from an original creditor to wit " XXXX XXXX. '' I spoke to a " XXXX '' and a person who identified herself as " XXXX '' who informed me she was not obligated to provide me with her last name. Both XXXX and XXXX reported I owed {$3300.00} and also {$94.00} which is an amount greater than that recorded by XXXX XXXX records. When I explained to both XXXX and XXXX my financial circumstances and if they could possible offer some type of settlement amount they both stated " XXXX XXXX does not allow us to reduce the amount owed. '' I therefore, contacted XXXX XXXX and spoke to a " XXXX '' and also a " XXXX '' who reported the above statement is inaccurate and that XXXX XXXX has nothing to do with the amount owed with regard to payment thereof. I subsequently again contacted XXXX XXXX and again spoke to XXXX, I requested to speak to the " Supervisor '' XXXX and XXXX reported that XXXX had gone home for the day and they did not have a Supervisor on site for me to communicate with. XXXX reported the Supervisor will not be available until XXXX XXXX the following morning. With respect to the above comments, I feel XXXX is in direct violation of XXXX XXXX - Operation without a Manager and XXXX XXXX Section 1 and Section 2, Subsections ( a ) ( b ) - Prohibited practices.
05/02/2017	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	NV 891XX	Web
When XXXX XXXX contact me about my debt from my hospital visit I set up a payment plan with them. I paid in full and a few month later I noticed a collection from Plus Four Collections for XXXX . I called XXXX XXXX and was told I had a XXXX balance after the repayment. On XXXX / XXXX / XXXX and XXXX passed it on to investigation. I called back on XXXX / XXXX / XXXX and XXXX and I was told the investigation would be completed XXXX / XXXX / XXXX . I did not hear back from anyone until I pulled my credit to buy a home and I still see the Plus Four Collection. I called both companies and spoke with XXXX XXXX on XXXX / XXXX / XXXX and XXXX / XXXX / XXXX and on both times I was told that there was a XXXX balance and the reporting could be corrected with an investigation. I finally got to a supervisor where I was told there was a different account under the same account number that posted later that was not collected, that amount was XXXX . Yes a later account for XXXX that was part of the same account number. I have since canceled the purchase of my dream home as the estimated interest rate difference was XXXX to XXXX because of the low credit score from the XXXX collection that was re-reported on XXXX . The supervisor told me I was called in XXXX XXXX to be notified of the " new '' collection. I was and that is why I called in and spoke to 2 different people in XXXX .
07/06/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 890XX	Web
Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance
11/19/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89107	Web
Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report. Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as " Undeliverable : refused ''. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation. On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused. Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.
10/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web	Servicemember
In XX/XX/XXXX I found out that I had a medical debt collection of {$1000.00} on my credit report. The debt collection agency was Plus Four INCXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX but the number ( XXXX ) XXXX was disconnected. I then contacted the original billing company XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX. Apparently, I was seen at XXXX XXXX XXXX XXXX around XX/XX/XXXX and they failed to bill the correct insurance company. Since then I have moved twice and they failed to notify me properly before sending this to collections. What I find unusual is that XXXX XXXX XXXX was able to billing my XXXX XXXX correctly but XXXX billed my XXXX XXXX incorrectly. They were supposed to bill XXXX as the primary and XXXX XXXX secondary. Apparently, they just billed XXXX XXXX and they told XXXX to bill my primary but XXXX didn't bill XXXX for some reason. I then gave XXXX my old XXXX account information so they could go ahead and properly bill the insurance company to collect their money. Since XX/XX/XXXX, I've been calling XXXX billing office regularly and they have yet to send a bill to XXXX to collect nor have they removed the amount from collections. I feel I have done nothing wrong yet I have a debt under collections and XXXX is failing to act on collecting from my health insurance company.
03/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84720	Web
There is collection account in my name for a medical bill that is not mine. It's through XXXX XXXX recovery but serviced by Plus Four. We had an initial police report done and " XXXX '' at Plus Four stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by XXXX XXXX XXXX and is not being deleted from the credit reports. He stated they were attempting to get more identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. Plus four has been horrible. Federal law states we can record the call regardless of state law as Federal trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the XXXX XXXX account. XXXX XXXX will not take our calls!
02/05/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89122	Web
On XX/XX/XXXX I first contacted Plusfour Inc Collection agency to dispute errors on my credit report I did so in writing I was advise to send these letters by certified mail as proof of receipt. To my surprise the letter was returned stamped ( refused ). I then sent a second letter XX/XX/XXXX it was also refused. Both letters for two different amounts {$340.00} and {$230.00} Were returned. I sent additional letters to the P.O. Box and or the physical address provided on the credit report they were returned. I finally sent a letter to them by regular mail letting them know they were now in violation of the FDCPA law. { 807 } and { 15USC 1962a } and that I will now be taking them to small claims court. They were also made aware of their failure to add the clause ( in dispute by customer ) within 30 days. In the proof file of documents you can see this was not recorded until XX/XX/XXXX on just one debt but nothing on the other {$340.00}. Plusfour did respond after more then 40 days of trying to contact them and again only sent information for the one debt but no verification just a print out of a bill and nothing for the other debt in question. This has been very frustrating I have also been denied credit because of their lack of communication which has effected my livelihood.
04/08/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85050	Web
I went to XXXX XXXX in XXXX and submitted my insurance information. We also have a medical co- pay allowance of {$1500.00} thru work medical insurance. We did not receive a bill from XXXX XXXX and were sent to collections with no notice. I just received a notice from Plus Four after correcting fraud on my credit due to being part of fraud from my purse being stolen on XX/XX/XXXX and also breach with XXXX/XXXX. Plus Four put on medical debt on credit twice on XXXX, once on XXXX. I called XXXX XXXX and spoke to XXXX who did not have a reason for not sending bill, even though their reviews from patients mention the same issue. She told me to call Plus Four. I spoke to XXXX at Plus Four who told me I would have to pay {$10.00} extra for a receipt of payment to show medical bill was paid. Original bill was {$73.00} and had to pay {$95.00} including interest and {$10.00} for receipt to be mailed. Total of {$100.00}. I am upset since many reviews for XXXX XXXX mention not receiving a bill and getting sent to collections. No patient should have to go thru this to have their credit affected for a medical office not sending a bill so a patient can pay their bill. This violates the Fair Credit act. In addition, to charge {$10.00} for a receipt. Can you help investigate Plus Four for
01/12/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 894XX	Web
I had been making payments to XXXX XXXX on a XXXX procedure that I was supposed to have completed in 2015 -- they had agreed on a certain amount after billing my insurance. There was a problem w/the XXXX XXXX and XXXX that was to be put into my XXXX, the temporary kept falling out and I never had the final XXXX built or placed into my XXXX because there was a transition in the team and they were n't sure what happened. Someone sent my information to PlusFour Inc., who then placed a debt collection on my account in the amount of {$1900.00}. I reached out to let them know this was inaccurate as I was making payments directly to the XXXX office and that even if they had sent it, it was in the wrong amount because I had already made several payments towards the total. I informed XXXX XXXX and they provided me a phone number -- I have reached out and have not been given a solid answer as to removing and stopping the negative report or any explanation from Plus Four. Since then I have gone into XXXX XXXX and had to have the XXXX XXXX removed from my XXXX as it became XXXX as they were never able to put in the XXXX I was charged for services never rendered, some partially to my private XXXX insurance. This has been ongoing since 2015 -- I have, to this date, no XXXX.
02/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89119	Web
PlusFour INC. ( Debt Collector ) Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Agent : XXXX XXXX reported : XXXX Amount : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX ( My Health Insurance ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX Agent : XXXX Date Contacted : XXXX Time : XXXX Agent : XXXX XXXX Contacted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX location unknown??? XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Nevada XXXX XXXX Billing Department XXXX Agent : XXXX Date of contact : XXXX Time of Contact : XXXX noon Date of service : XXXX Amount of Service : {$1500.00} ACCOUNT PAID { NEVADA XXXX } PlusFour INC. is currently false reporting a debt that doesn't belong to me. Nevada XXXX contacted XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX and both company 's have several complaints from PlusFour INC. and the false debt reporting. XXXX XXXX XXXX billing department explained to XXXX that they are currently moving locations including documents and several people have made complaints about false debt reporting in regards to this. XXXX at XXXX XXXX XXXX Billing department stated that she will expedite my complaint to the supervisor department and to give them 24 hours to respond. PLEASE HELP ME
03/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89011	Web
Approximately three months ago, I noticed Plusfour Collections on my credit report. XXXX XXXX was the original creditor. I called Plus Four to dispute the debt. I have XXXX XXXXXX/XX/XXXXXXXX XXXX. My insurance company will pay the bill. I called XXXX XXXX. They told me they were using a different third party billing company. After escalating my complaint, I learned this was for an XXXX on my XXXX on XX/XX/20. I called XXXX XXXXXX/XX/XXXX and asked why they did not pay the bill? XXXX XXXX never submitted a claim to them or a bill to me! How then can they send me to collections. I filed a grievance with XXXX XXXXXX/XX/XXXX, and learned there are many people like me. My dispute with the credit bureau was " verified '', and remains on my credit report. I called Plus Four and was told if XXXX XXXX sends them a letter stating my account was referred in the error, they will remove it. XXXX XXXX has not addressed my issue. Meanwhile, my insurance premiums increased, and I am being denied credit for a recent collection! I also filed a complaint withXX/XX/XXXXXXXX XXXX. They are trying to advocate for me, but advised they are not a regulatory entity, and can't make them do anything. Please help me!
04/30/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92211	Web	Older American
I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.
02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89147	Web
I got notification through my bank about negative activity on my credit report this morning. This is the first I known about this debt. I received no communication in regards to this. I called the third party collection agency, and my address they have on file is incorrect and they stated they called me on XXXX at XXXX I pulled my phone records for that day and I received no calls from the numbers they provided. I asked to speak to the manager his name was XXXX would not provide last name. I asked him that I could email him my utility bill as well as phone records for that day. He was not pleasant and said it would not make a difference. I asked him to pull the phone call if they are recorded and said I would have to subpoena it. I did some research and it was a medical bill for {$98.00} and they charged additional {$100.00} to collect the debt with recurring interest. The medical office also had incorrect address on file. I was never aware of this bill. Its not my character to neglect my bills. I have perfect credit and never missed a payment for the last 25 years. This third party collection agency is unreasonable. Companys name Plus Four Inc XXXX XXXX XXXX XXXX XXXX
12/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89052	Web
I had a ER visit on XX/XX/2020, at the time i had insurance on Nevada XXXX XXXX, I was later billed for services that normally and should have been fully covered. Per XXXX ( XXXX XXXX XXXX nevada ) I submitted the correct documentation and Medical ID cards at time of visit. Per XXXX XXXX XXXX submitted the wrong insurance for claim proccessing to XXXX. So since XXXX submitted the wrong insurance XXXX did not pay for the claim. XXXX also informed me they have proof that i submitted the right insuranc card because all of the other claims were subkitted correctky and paid out. XXXX XXXX made a mistake and they are trying to make me cover and pay for their mistake. I have made numrous attempts for them to fix them and they just tell me they will submitt this dispute to someone higher up and no one ever follows up with me. The debt collecgtor on behalf of XXXX XXXX continues to update the credit breuars with increase in amounbt that i owe and Im assuming they are adding intrest to the debt that they claim I owe, I do not owe this debt please resolve it on your end and remove it from my credit report.it is destroying my life and preventing me from purchasing my dream home.
09/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89120	Web	Older American
There is an incorrect " Collection '' on my credit report from XXXX XXXXPLUSFOUR collection agency, that has reappeared AGAIN dating back to XXXX. XXXX had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX REMOVED the collection after they found out it had been paid by INSURANCE. XXXX XXXX said it had been reported to collections -- there was nothing they could do. I contacted PlusFour on XX/XX/XXXX and XXXX to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). I even showed them that XXXX and XXXX had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told PlusFour that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. PLUSFOUR refused to remove it. XXXX also refused to remove it. XXXX* PLUSFOUR stated 2 DIFFERENT AMOUNTS -- $ 110.00+ and also XXXX for the SAME INCIDENT. ** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.
01/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89108	Web
I was notified by the XXXX and XXXX credit bureau that I had received a collection ( First time ever ). The company that put this item on my credit report ( Without any prior notice ) is named Plusfour.Inc. I have not received any notification from this company and do not know where or how they got my information. After reviewing the collection on both XXXX and XXXX I found several inconsistencies. The first one is the company claims their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. However, the collection that was reported on XXXX was listed under a XXXX XXXX ( XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV, XXXX. I found the company to have minimal contact information online as well as in their collections that were put on my report. The company in questions has many consumer complaints against them from fraudulent claims. I believe this is another case to be consider fraud until they can send me information regarding the collection, as I have medical insurance that covers my medical bills. From what it seems it is a supposed " XXXX bill '' with no date of service to be included in the collection whatso ever.
01/14/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89139	Web
Called XXXX XXXX from my credit report to get information in reference to my medical debt listed. I spoke with an agent named XXXX who advised her company was third party and they are not accepting lower offer and that I was not allowed to speak to the original creditor " XXXX XXXX XXXX ''. She said XXXX XXXX " XXXX '' my balance and they are collecting on their behalf. I questioned this and asked " So you own it now? '' She said no but I wasn't allowed to speak to them directly. I ask for a settlement and she said we don't give balance reductions. I replied and said I didn't ask for a balance reduction ( those aren't settlements ). She insisted I was wrong and her tone changed. I asked since I required to pay this full amount will it get deleted and she repliedyest but she would charge me XXXX $ for a deletion letter. Also they wouldn't send letters on going payments ( which is illegal if I set up drafts ) I called back later to reconfirm once again this fee for payment letter ( which seems unethical ) and she confirmed once again. I paid so I no longer have to deal with the harassing calls and unethical practices.
11/01/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89074	Web
I called this collection company after finding out that XXXX XXXX had submitted a {$50.00} debt from our now XXXX year old. At the time she was XXXX or XXXX and this was also around the time she was on our insurance. However, I believe we had declared bankruptcy. This was a copay that XXXX XXXX XXXX never EVER called about or anything. We moved in XXXX and had our mail forwarded but NEVER EVER received a bill!!! When I called this company recently, as soon as I found out this debt existed, via XXXX XXXX alert system, I TOLD them I can easily pay the {$50.00}. They said it was too late because it was over 7 years old BUT THEY SAID IT WOULDNT go on our credit until I just saw in now, XX/XX/XXXX! Why would I not pay {$50.00}??? This XXXX XXXX XXXX is NOTORIOUS for this behavior. One simple phone call or a certified letter would have instantly solved this 7 years ago. We have always paid our co pay at the time of visit but my then minor daughter may have been told she would be billed and didnt tell me .... at least that is the only thing I can come up with. Tell me who to send the {$50.00} to!! I want this off my credit!
07/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NV XXXXX	Web
Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by Plus Four. After receiving the notice via mail from the creditor, they referenced XXXX as the provider of data. I pulled my XXXX report to find Plus Four had placed a negative entry on my credit file which also appeared on my XXXX file. I sent a debt validation letter to Plus Four dated XX/XX/2017 via USPS Certified mail with Return Receipt. Plus Four received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although Plus Four never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX file but did not remove the negative entry from my XXXX file. Due to Plus Four 's failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.
11/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89135	Web
Apparently, I had a medical procedure in XX/XX/. In XX/XX/, I first received a bill from XXXX XXXX XXXX for XXXX services. I called my insurance company, XXXX XXXX XXXX ( XXXX ), and they told me to ignore the bill from XXXX XXXX. Later I received correspondence from XXXX XXXX related to a XXXX XXXX Mon related to the same charge. I never heard of this doctor and I had insurance to cover the full cost of any procedure. I again called XXXX and was told that they had no record of receiving a bill for this charge. I advised the doctors office that they needed to submit a bill to XXXX for payment. I was subsequently contacted by Plus Four Inc. a debt collection agency. They are located in XXXX, NV and their phone no. is XXXX. I gave them the same information I received from XXXX - that the doctor needed to submit a bill to XXXX. I told them that I have no knowledge of anything related to this doctor. I continue to get dunning letters/statements in the mail from Plus Four Inc . If they damage my credit rating I will definitely sue them!
07/09/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89135	Web
XX/XX/2021 - reviewed credit report with Collection from PlusFour Inc. Attempting to collect for XXXX XXXX Solutions. XX/XX/2021 - Disputed this account with all XXXX bureaus and asked form them to provide documentation on where the balance derived from and proper validation XX/XX/2021 - Plus Four verified item with all XXXX bureaus and was attempting to collect interest on the medical debt which was not authorized. Pursuant to XXXX. XXXX Nevada debt collection laws prohibit collection agencies from engaging in the following actions : Collecting, or attempting to collect, any interest, charge, fee, or expense incidental to the principal debt. XX/XX/2021 - Disputed item again with all 3 bureaus and PlusFour. They verified the information reporting was accurate despite them attempting to collect an amount they legally can not collect. To date they continue to confirm and verify the information they are reporting is accurate despite multiple attempts for them to report accurately and collect the accurate amount.
04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28104	Web
This debt is from XXXX XXXX I have never lived there. When I asked for proof of vaildation they ( Plusfour ) sent me a something that looks like it was written up on a spread sheet and some items on it was blacked out, while others were highlighted. When I tried to call to speak to a representative they told me they couldn't speak to me that they didn't have a license to collect debt in North Carolina. They told me that they had to send this to their sister company in South Carolina. When I sent a certified letter to them asking for proof my letter was returned to unknown sender. This has been on my credit report for a while and I have bee trying to get to the bottom of this to no avail. I purchased a car in XXXX last year and this has hindered my rate on my car purchase. First they told me the balance was XXXX and now its reporting XXXX, If I'm not mistaken I do believe they are violating state and federal laws by trying to collect more than what is owed according to information I have found on the website.
06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89122	Web
ATTENTION TO PLUSFOUR INC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company PLUSFOUR INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire AN ACCOUNT. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
07/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 850XX	Web
I have received multiple phone call messages to my cell phone from plus 4 inc. Saying i owe a debt. I called them on XX/XX/19 and XX/XX/19 in an attempt to learn more about this claim as i have the means and always pay my bills immediately. They will not give me any information withour first me giving them my date of birth. I asked if i could give some of that but not all since I'm cautious about being scammed, nor have i received any other verbal or written communication regarding an outdated bill from anyone. They said they would not, and could not, do anything until i gave them my birthdate to verify i am who i am. I am willing to cooperate and want to ensure my credit is not tarnished because of my rights to be properly notified by any party of a debt that they feel i owe. This is unacceptable and will be defended fully. I simply seek to understand what the claim is for and about so i can validate it's true before i provide personal information to this company not knowing if it's a scam.
03/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34684	Web
This complaint is the third complaint filed against Plusfour , Inc. for illegal collection activity in the State of Florida. In the previous complaint XXXX, Plusfour submitted an illegally modified E-Oscar report from Transunion. In the report, Plusfour modified my current address to reflect a Nevada address in place of my Florida address. They illegally modified this document because Plusfour is restricted from conducting collection activity in the State of Florida by the Florida Attorney General and the Florida Office of Financial Regulation. I have attached a copy of the legal order from the State of Florida. I have also attached a copy of my current XXXX credit report dated XXXX reflecting my Florida address. Plusfour is fully aware that they are operating illegally in the State of Florida. I have filed a formal complaint with the Florida Attorney General and Florida XXXXffice of Financial Regulation requesting an investigation of XXXX and their illegal collection activity.
03/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33069	Web
On XX/XX/XXXX at XXXX XXXX est I called debt collector Plus Four, Inc ( XXXX ) XXXX to request a validation of debt, my credit report was showing that I owed {$320.00}. I provided the rep my dob and last 4 of social security number, the rep stated that there are several accounts on file and that a validation letter could not be fulfilled via phone request, I would have to request the validation by sending a letter via mail. I was then provided the business address to send the letter. I went to the USPS later that day and sent the letter certified ( see attachment ). Upon checking the tracking information on USPS.com on XX/XX/XXXX, the system stated the letter was refused and is currently being returned back to sender. I have disputed and requested removal of this account several times on XXXX/XXXXXXXX and asked for a validation of debt from the debt collector to no avail. This account continues to be reported without any proof of validation and is damaging my credit.
10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38116	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PLUSFOUR INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60134	Web
Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true. This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance XXXX
12/13/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90061	Web
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX and XXXX credit files by Plus Four so I drafted up a letter and mailed it to Plus Four via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because Plus Four refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word " Refused XXXX '' written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to Plus Four 's deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
07/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89134	Web	Servicemember
In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.
02/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76549	Web	Servicemember
This company has refused to VALIDATE this debt is owed. They also have clearly violated my Hippa rights and have sent no proof that I gave permission for them to have my medical information. The original creditor XXXX XXXX asked plusfour to remove this debt from my credit on XXXX XXXX and they absolutely refuse. They stated that I need to provide them with all proof and they dont need to validate it. I spoke to XXXX a supervisor and she also stated they refuse to send me the contract or any VALIDATION provided by the hospital. They can only send an itemized bill. I have attached the proof directly from the original creditor that I DO NOT OWE THIS DEBT. The original creditor did not bill my insurance company in time, there for it was a billing error and I owe absolutely nothing. XXXX XXXX is reaching out to plusfour once again to ask them to remove it and I am now filing a Hippa complaint as well as one with XXXX.
01/02/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
DEBT COLLECTION BY PLUS FOUR LLC, FAILED TO PROVIDE VALIDATION AS THE LAW REQUIRES : 1. Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 2. Show proof this debt assigned or purchased from a original creditor? 3. A complete account history, including any charges added for collection activity. 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are registered to transact business and/or collect in my state. 6. Proof of your authorization by law for your collection of information. 7. Evidence of whether this debt was assigned or sold to : PlusFour , Inc. 8. Does PlusFour, Inc. have a signed agreement with me personally as Nevada law requires Statue NRS.676A.040 Agreement defined for a collection agency to collect or manage my debt. 8. Please provide HIPAA a release form with my signature.
03/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Web
I normally check our credit every month because my husbands job depends on our excellent credit.XXXX XXXX never submitted a bill to our insurance company for billing. This was verified by my insurance company. XXXX XXXX submitted the bill to collections and we never received a bill to our home. .They admitted that the prior billing company was negligent. This error on XXXXXXXX XXXX part has caused our credit to drop 130 points. My husbands job is in jeopardy if this is not resolved ASAP. I have repeatedly reached out to XXXX XXXX and have documented all communication with them. They have told me that they cant do anything until they get the records from the prior billing company that they have terminated. They said they have nothing that can help me on file, no account number or anything. So we are left at their mercy while they destroy our credit and possibly my husbands employment.
05/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89081	Web	Servicemember
Im in the XXXX and my main hospital in my location is XXXX XXXX XXXX base. Being that I was in XXXX XXXX I couldnt make it to the hospital in time so I needed to go to XXXX XXXX XXXX on XX/XX/XXXX. I called the ambulance and was sent to the hospital. XXXX, the military medical insurance paid the hospital in sufficient time and not the ambulance because they did not send them the signed documentation for correction to be paid. However, it was eventually fixed and they received their payment, roughly 3 days before the charges appeared on my credit which has been since XXXX. I contacted the community ambulance and they said that should not have happened because my bill was paid and they would contact the debt collector to remove the debt which has been over a month. I tried to dispute it myself and I have proof that it was paid and it should not have been on my credit to begin with.
03/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89081	Web
On XX/XX/2022, ( Plus Four Inc ) attempted to fraudulently collect a debt of {$63.00} that was illegally sold by actual creditor ( XXXX XXXX XXXX ). Debt was already paid to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
11/04/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 859XX	Web	Older American, Servicemember
This is a bill from a doctor who claims I owe, I disagree. I am requesting an investigation with dates, charges, procedures, insurance notification and insurance charges both, and what this bill is for. I have not been sent a bill, therefore this needs to be cleared and off my credit report because it is causing my score to be lower than it should be, and also getting denied from creditors, plus the only collection on my report. Also, in the state of Arizona, where I reside, the statue of limitation is 5 yrs. and this has been on my credit report at least six ( 6 ) years or more. I have disputed this with the Credit Departments with no avail and in hopes you will help me out on this. All they have said is the consumer does not agree and wo n't remove it from my credit report. Your attention to this matter will be appreciated and hopefully successful. Thank you,
09/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
On XX/XX/2019 I sent PlusFour Inc a certified letter via USPS disputing a collection that they have place on my XXXX credit profile. PlusFour has reported that I owe {$230.00} to XXXX XXXX XXXX and that they are collecting this supposed debt. This debt is NOT mine. I asked PlusFour to provide me with 3 specific documents in order to verify this debt. I have listed below the items to provide me with in order to verify this alleged debt. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. They did not provide me with any of those documents. I have attached their response which does NOT verify that this is my debt.
08/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89156	Web
Okay, there wasn't a way to put this on the previous screens... Hello! I called Plusfour Inc. to pay a debt to work toward fixing my credit. A friend said to make sure I get a physical letter stating it will be taken off my credit report. When I spoke to someone at Plusfour they stated they will digitally take it off the credit bureaus, but a letter would be {$10.00}. When I stated it should be free, they said that is policy and they have been charging it for years. When I told my friend, he said it should be free, absolutely do not pay for a letter. So here I am asking what the law is and why {$10.00} is being charged for a letter that would take {$0.00} cents to mail. I live in the same city they are located, so I could even save them a stamp by picking it up. Plusfour Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX Phone : XXXX
10/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89166	Web	Older American
Plus Four Inc, is a collection agency that was hired by XXXX XXXX XXXX in XXXX XXXX, NV This company tends to manipulate the amount by increasing the amount of their claims every month for the purpose of negatively affecting the customers credit profile by lowering the scores. The claimed that I owed a {$100.00} and not it is {$120.00}, which was increased intentionally to affect my credit report Same company went ahead a posted an amount of {$770.00} on my, also posted a {$340.00} amount to show that I had paid down the amount and only owed the {$340.00} as of date. They refused to show proof of validation of the amounts of {$120.00} and {$770.00} and I request that they remove the entire accounts from my credit under the FCRA regulation of false statement to collect. This is an illegal tactic to collect, and should be deleted from all credit bureaus.
02/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
FINAL WARNING! As a result of my previous complaint, both myself and the CFPB have confirmed that this company did not send what was requested and what is mandatory to have in order to report to my credit. Their neglect to have any sufficient evidence and proof that the account belongs to me makes them in complete violation of the FCRA 623. Thankfully, the CFPB representative just directed me to helpful legal authorities, but in an attempt to resolve it without suing the collection agency, I am giving them one last chance to delete the account immediately. I have recorded my phone call as well with the CFPB of them stating that what was sent is not what was requested nor is it proper validation. An itemized bill that your agency typed up or printed out is not validation! An original contract bearing my signature is required according to the FCRA.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89145	Web
Plus four continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX XXXX several times and they have refused to remove from the credit report. Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. I am asking that all medical bills under {$500.00} from XXXX XXXX I removed from my credit report. Plus four this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.
05/05/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web
XXXX XXXX XXXX sent bills to collect invalid " co-pays '' after we left XXXX XXXX and no longer used them as our primary medical care provider. After using XXXX XXXX for over XXXX years, these " co-pays '' never once were demanded from XXXX XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc. XXXX XXXX XXXX XXXX XXXX , NV XXXX Plu s Four, Inc. sent XXXX collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.
02/28/2022	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	CA 92585	Web
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. PLUSFOUR INC has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with PLUSFOUR INC, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting PLUSFOUR INC delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
10/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 890XX	Web
I had 2 bills from XXXX XXXX for a total of {$120.00} that I paid in XX/XX/XXXX. I subscribe to a credit monitoring service and got an alert a few months ago. I've never received any bills from the collection agency or XXXX XXXX. I used the bill pay option through my insurance company to pay the bills. I called XXXX XXXX and after several calls and emails they said they received proof of payment and would " send to correct department to review. '' That was on XX/XX/XXXX. I disputed with all 3 credit agencies. XXXX removed it the same day. XXXX and XXXX both say the debt has been reported as accurate. Even if I wanted to pay the collection agency, PlusFour, the number is out of service. I've disputed twice each with XXXX XXXX XXXX and included proof of payment and they just keep saying the same thing.
12/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89134	Web	Older American
Collector XXXX did not preform any due dalliance. Did not verify that the debt was mine before contact. Creditor ( Desert XXXX XXXX XXXX did not communicate with the my medical provider XXXX XXXX XXXX NV XXXX who requested in house the x-ray for a covered wellness visit. Under my XXXX XXXX thru XXXX this is a covered procedure as a senior citizen. Neither XXXX XXXX or XXXX Partners billing offices communicated between each other.. Neither asked for or passed along my basic insurance information. Neither would talk to the other. I never received a bill or statement. XXXX told me they did n't have to produce a bill. Desert Radiology went straight to collections they never contacted the XXXX XXXX EVEN THOUGH THEY ARE THE SAME OFFICE. I reiterate this is a totally covered procedure by Humana.
06/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89074	Web
Whatever this ( Plusfour ) agency is need to be more efficient and more professional on doing somethi ng. Plusfour suppose d to check every detail on this PDF file/recipient name. As you can see Its not just XXXX XXXX . Its XXXX XXXX XXXX and I Do n't have XXXX on my name. I Do n't know who this person is and ther e may be more people who 's having same name like mine. This is not fair Without any confirmation regarding my name and I 'm telling you again and again this is not my name or any collection belongs to me. If the plusfour did n't resolve this matter which does n't belongs to me, I will take further action against this and Its just a waste of my time and you proved yourself on your document the name is totally wrong and its not belongs to me. XXXX Thank you
10/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NV 89131	Web	Servicemember
I was sent a collection letter by PlusFour collection agency. I was given 30 days to respond in a dispute letter requesting proof of validation. I sent the letter via priority us mail wuth a signature required to verify the letter was received. My dispute letter was refused to the postman by Plus Four collection agency and returned to me. I have a copy of the receipt and a picture of the refusal by the tracking number. I assume this is a tactic they are using to say I didn't respond in a 30 day period so they can put this derogatory collection on my credit report. I believe this to be an illegal tactic. Pleae investigate. The account number they opened on me is XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NV. XXXX XXXX. My email is XXXX and my phone number is XXXX.
05/17/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33308	Web	Older American
PlusFour, Inc. XXXX XXXX XXXX XXXX , # XXXX , XXXX , NV XXXX sent me a notice on XXXX XXXX XXXX stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of XXXX XXXX XXXX . See my attached letter of XXXX XXXX XXXX . I had not heard from them but found that they reported non payment of this account to the XXXX credit agencies ( e.g. XXXX ), thereby affecting my credit rating. So I sent them a letter on XXXX XXXX XXXX ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now XXXX XXXX XXXX and their notice to the credit agencies still persist. Account # XXXX
09/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19320	Web
I disputed this account because it is clearly inaccurate on my credit. I sent the letter to the address reported to my XXXX report just a few months before. That address is incorrect and the mail was returned to me, thus infringing this consumers right to dispute the account, which is a violation of the FCDPA. They then received my mail after I found their proper address to dispute the account, rather than deleting the account due to the clear inaccuracies as required by the law, they sent me private medical billing information through the mail, and it could have been opened by anyone! They have violated the FCRA, FDCPA, and my rights according to HIPPA. I demand resolution to this matter! I have already complained here once, please help me resolve this matter quickly!
10/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
Account XXXX : XXXX XXXXeference Number : XXXX Right below is the latest response from PlusFour. " The information provided by you to us is the same that we have on file for you. If this is not your debt then please provide information proving that this person is not you. If you are a victim of identity theft or fraud there are steps that you can take. Otherwise based on the information you have provided to us and what we have from the creditor this debt is yours. You account is marked as disputed and will remain so until you are able to resolve it. '' I don't have to provide information to prove the person is not me. It is PlusFour 's job to prove it belongs. They have yet to show a signature or proof that they are authorized to collect this alleged debt from me.
08/31/2021	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	NV 89135	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.
03/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64093	Web
I found a collection on my credit report for the amount of {$53.00} from Plusfour Inc in XXXX XXXX NV, from XX/XX/XXXX. I contacted Plusfour in XX/XX/XXXX to inquire what this was from, it was from an XXXX XXXX Clinic in XXXX XXXX ( I live in MO ). I was listed as insurance provider, when my ex wife took my daughter there. All bills from XXXX XXXX and attempts to collect from Plusfour had went to my ex wife in XXXX NV. After figuring out where this debt had came from and even proving Plusfour with my personal information, I wanted written notification this debt was in fact owed. I figured it would be easier to just pay the small amount rather than dispute. I have yet to receive proof that this debt is in fact legit as of XX/XX/XXXX.
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NV 89145	Web
I had a car accident on XX/XX/XXXX, needed XXXX XXXX done, got an attorney, XXXX XXXX was paid and my case was closed. On XX/XX/XXXX - six years later, I received a bill from Plus Four , Inc. saying I owe {$310.00} to XXXX XXXX. My attorney paid XXXX XXXX {$1600.00}. I called Plus Four Collection agency and asked them to note my account. In XX/XX/XXXX, I received a credit card statement showing my credit score dropped 130 points. When pulling my XXXX credit report, it shows Plus Four Inc. entered a {$310.00} collection on my account for XXXX XXXX in XX/XX/XXXX. Seven years later ... .with no notice to me. I have not received any written correspondence or phone calls. This debt was paid and should NOT be on my credit report.
02/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are! This is my THIRD time reporting them to a higher agency/bureau. I've given them my social yet they state I haven't given enough information? That's XXXX!
12/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
08/07/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85042	Web
I had had my identity stolen and I was ON XXXX VICTIM OF A CRIME. PLUSFOUR INC XX/XX/XXXX Completed PLUSFOUR INC Reported on XX/XX/XXXX {$570.00} Account Details Last Reported XX/XX/XXXX Collection Agency PLUSFOUR INC Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$570.00} High Balance {$500.00} Remarks Dispute resolved ; customer disagrees Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. Dispute Reasons Accuracy : The creditor agreed to remove this account from my file. Insurance paid this account late. Please remove late payments.
10/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
Account # : XXXX Reference # : XXXX I mailed a letter ( certified via USPS ) on XX/XX/2019. It was delivered to the company on XX/XX/2019 at XXXX XXXX. I mailed a 2nd letter ( certified USPS ) on XX/XX/2019. It was delivered on XX/XX/2019 at XXXX XXXX. The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89014	Web
An attorney that I fired is trying to collect after being paid cash in full. I have receipts. Just as well, I was notified by Plus Four that the attorney was attempting to collect yet again and that they were going to place this on my credit. I advised that the debt was not valid by certified letter which I have copies of for this exact situation. When speaking with XXXX XXXX they were advised of my petition of Bankruptcy and the name of my attorney. The following day, they reported to my credit in a last ditch effort to unjustly collect on a already paid debt. Recording of phone call placed to XXXX XXXX, dated XX/XX/2016 @ 11:29am proves notification of bankruptcy proceedings.
10/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
I mailed a letter ( certified via USPS ) on XXXX XXXX, 2019. It was delivered to the company on XXXX XXXX 2019 at XXXX XX/XX/XXXX I mailed a 2nd letter ( certified USPS ) on XXXX XXXX, 2019. It was delivered on XXXX XXXX, 2019 at XX/XX/XXXX. The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.
10/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89123	Web	Older American
Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}
10/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89123	Web	Older American
Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}
05/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89052	Web
After obtaining my consumer reports, I noticed on my XXXX report that there is an unpaid account from PlusFour Inc. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$250.00}. It states that the original creditor is XXXX XXXX XXXX, but there is not an outstanding debt, as my insurance has paid this. I have never received any written documentation from PlusFour, Inc., regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report on XX/XX/2022. This " debt '' is considered invalid. I request that this account be deleted and completely removed from all consumer reports.
06/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89178	Web
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. UNDER THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ( HIPPA ). I RESERVE THE RIGHT TO PROTECT THE PRIVACY OF MY PERSONAL INFORMATION AND MEDICAL RECORDS FROM ALL THIRD PARTY REPORTING AGENCIES. THE ADDRESS ON MY DRIVER 'S LICENSE IS NOT EVEN VALID. SINCE YOU KNOW ALL MY INFORMATION YOU WOULD'VE KNOWN THAT! CONTINUING TO REPORT THIS MEDICAL DEBT WITHOUT PROPERLY VALIDATING AND PROVIDING ME PROOF OF PERMISSION IS A VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE SEE ATTACHMENTS AND SEND PROOF TO THE ADDRESS ON THE DOCUMENT.
01/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89183	Web
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from PLUSFOUR INC reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
06/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web	Older American
In XXXX of 2021, I went to XXXX XXXX XXXX for a doctor prescribed X-ray. I presented my XXXX card along with my XXXX XXXX XXXX XXXX card that together pays for 100 % of such services. They evidently billed me for an additional {$75.00} and turned the bill over to a collection agency called XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, NV XXXX. The collection agency added {$4.00} to the bill, which should have been paid by my XXXX forms of insurance if XXXX XXXX XXXX would have billed them properly. I have called XXXX XXXX XXXX and they simply told me to contact the collection agency turning the whole bill into a circular unresolved problem.
06/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89101	Web
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX PLUSFOUR INC XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
04/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89081	Web
PLUSFOUR INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$94.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
10/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 890XX	Web
Bill was paid immediately after the services were provided total amount was paid for both bills, but billing department sent item to collections without any notice, I was notified by my credit reporting block service that m credit score had dropped significantly which is affecting my score in a way that is not recoverable. Both XXXX XXXX and Plus 4 here in XXXX XXXX violate this protection all the time they have done this to me 3 separate times this company threaten people if they contact you, and when they don't they threaten you when you contact them. there contact information is XXXX and they often operate under different name at different times.
05/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89141	Web
PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
02/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89123	Web
PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
08/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89130	Web
While checking my credit report i noticed there was a collection on it, from Plus four inc, original debtor XXXX XXXX. The date was XX/XX/2020 the amount says XXXX dollars. I have never received any written notification of this debt. i do not have an account number an exact amount or for what exact service this was for. I have medical insurance that also would have covered any bill i had. I have tried 4 times to contact both companies, requesting account # date of service, what service etc I even sent both a copy of my insurance card to find out why they did not bill them and to try and resolve this.. but I have never received a repsonse at all.
03/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 891XX	Web
XXXX. Letter sent to XXXX disputing the negative listing of alleged collection account # XXXX being reported in my credit file, dated XXXX, XXXX. ( Attached ) XXXX. Letter sent certified mail w/return receipt to collection agency Plusfour , Inc. requesting proof of the alleged debt. LETTER WAS REFUSED. ( Attached ) XX/XX/XXXX. Received letter from XXXX verifying the alleged item as accurate. ( Attached ) XXXX. Letter sent to XXXX requesting Method of Verification. ( Attached ) XXXX. Letter sent XXXX XXXX " Signature Required '' w/Notarized Certificate to collection agency PlusFour, Inc. RECEIVER REFUSED DELIVERY, 3 attempts. ( Attached )
03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89131	Web	Servicemember
I rented a house for 9 years and after moving out XXXX XXXX management of XXXX XXXX sent me to collections for {$12000.00} stating I was responsible for things that were normal wear and tear ( carpet, paint, flooring ). This was not a judgement on me and I disputed this with XXXX XXXX XXXX, the collection agency PlusFour INC and all XXXX credit bureaus XXXX, XXXX and XXXX twice. All disputes came back as saying the debt belongs to me. It doesn't, I have stated many times that this was normal wear and tear and am not responsible for the upgrading of the house. I can not get this removed from my credit reports and it needs to be removed.
01/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 891XX	Web	Servicemember
Spoke to this company over 3 months ago concerning this debt. I told them I have XXXX so this should have been paid and they said it wasn't. I contacted hospital and they said they didn't have information to submit it. I call XXXX they gave me information how it should be submitted and I called hospital back and gave them this information. They said they would do a recall from collection agency and bill XXXX. The bill was paid, but the Plus Four Debt Collection agency has only removed from my XXXX credit report. I've left messages for someone to contact me or get them removed from my other reports, but they are ignoring me.
03/25/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89014	Web
I wrote a certified letter with return receipt requested to Plusfour, Inc requesting that they send me any document to indicate that I obtain service at XXXX in the amount of {$420.00}. The return receipt indicate a receipt on XX/XX/2016. Upon this complaint, I have not received any reply and as a result, this inaccurate information is on my credit report and has caused me to be denied loans causing financial difficulties. I have complied with notifying the appropriate collection company ( Plusfour , Inc. ) with this inaccurate debt and they have failed to respond within the allotted time and without providing any due process.
03/30/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32526	Web
I do not feel comfortable giving this company more of my information to use against me. This company has already claimed I lived in a XXXX store, which is illegal and impossible. PlusFour illegally changed my address in their filing system and failed to follow the law by removing the inaccurate collections from all three credit bureaus. If the CFPB and XXXX are unable to help, I will be forced to engage all parties in litigation ( defamation, slander, fraud, lost wages/time, etc. ). However, I feel the easiest path for all parties is to remove this illegal and unauthorized collection account from all three credit bureaus.
09/01/2021	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	PA 19320	Web
I wrote a letter to PLUSFOUR because I saw an account I did not recognize on my credit. That letter dated, XX/XX/2021 was returned to me! That can not be! I sent the letter to the address reported on my XXXX report on XX/XX/2021. They did not have their proper address reported to XXXX! That violates the FCRA! PLUSFOUR, who is a data furnisher, must report 100 % factual information about me to the credit bureaus! They have clearly failed! They can not even report their own address correctly! It also violates my right to dispute an account as granted under both the FCRA and FDCPA! I demand justice right now!
05/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89108	Web	Servicemember
In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX XXXX XXXX as I was being treated for XXXX XXXX XXXX. The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. The total amount is : {$2400.00}
05/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89108	Web	Older American, Servicemember
In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX of Nevada as I was being treated for Stage XXXX XXXX. The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. The total amount is : {$2400.00}
12/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web
Over a 3 month period I contacted PlusFlour IncXXXX about a XXXX XXXX XXXX I received. Within the 30 days of the notice i contacted the company asking them to verify that this debt belong to me. The company sent me a letter twice stating the amount of the debt. I asked for a Copy of original contract with signature, name and address of original creditor, proof of collections authorization, purchase debt agreement. None of this information was given to me upon request. Due to this the company can not collect any debt from someone if the information cant be verified or proven that this belongs to me.
11/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89166	Web	Older American
Plus Four Inc, made a statement as their reason for reporting and claiming the wrong amount that showed a partial payment was made on the account reporting. This statement was false and the original amount claimed was an attempt by the collection company to indicate that I made a partial payment and now has amount remaining. This is a fraudulent tactic to justify the claim. The company also adding interest on claim that was not a loan or direct service from the company for profit. This is illegal tactic showing a higher amount and reporting a partial payment from that amount that never took place.
06/23/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89117	Web
Hello, After multiple attempts to request documentation on a debt for verification, and after providing a receipt for payment from XXXX, Plus Four Collections account for {$100.00} was removed from XXXX consumer reports due to non verification according to XXXX On XXXX/XXXX/XXXX I was contacted by XXXX advising me that Plus Four, INC. increased the amount by XXXX dollars to {$100.00} XXXX and again began to collect and harass me via multiple message telephone calls, including some after XXXX, for a debt that they had failed to verify, as well as had proof of payment directly to the medical office.
09/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91737	Web
This was a Medical Bill of which I have Full Coverage and was Paid by my provider XXXX XXXX. The check reference # XXXX was PAID in Full to XXXX XXXX XXXX XXXX on XXXX However, a Collection Agency Name PLUSFOUR , INC has been trying to collect this same debt which I do Not OWE. The was PAID IN FULL By my insurance provider. So today I called XXXX to ask who they were and why they report this account to collection. They said the account was PAID and that they wanted to Charge me to have it removed from my Credit. Obviously, it sounds like a Scam and now I am reporting it to you the regulator.
02/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92211	Web	Older American
I agreed with the medical center rep to pay a set amount to close out my account. I paid that amount and wrote " Paid IN Full '' on the check, just in case. Sure enough despite being promised the account would show paid they then produced XXXX new bills trying to collect on those as well. I spoke to XXXX at the XXXX XXXX office PRIOR to sending in the paid in full payment. She said she had spoken to the Drs and the amount I paid was the total agreed upon. These following charges were described as follow up visits to my single procedure. They lied and I have proof of it in an email from XXXX.
04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89011	Web	Older American
I fully paid an amount owed to XXXX XXXX, XXXX NV. However, this past week in the month of XXXX, 2020, my credit report alerted that I have a collection notice from PlusFour Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NV for {$10.00}. I contacted PlusFour on Monday XX/XX/2020 and spoke with a Rep who indicated that I have to send bank records of full payment. I indicated to them that they should verify payment but they indicated I needed to verify. I did and contacted them by phone but they didnt answer. I then contacted XXXX XXXX who verified that I had made full payment in XX/XX/2020.
02/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are!
08/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89074	Web	Servicemember
Received medical bill for XXXX XXXX, full amount of {$190.00} was paid from my XXXX account on XX/XX/2020. The bill was turned into collection agency on XX/XX/2020. I have disputed this with credit bureau, and contacted the debt collection agency to advise them this bill was paid, but the original business submitted an amount different that what was owed. The debt collection agency says there is an additional amount owed of {$110.00} (? ) no sure exactly of amount - but there should not be any additional amount because the bill was paid prior to submission to collection.
07/31/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	Web
I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account PLUSFOUR INC has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company PLUSFOUR INC. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.
06/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28104	Web
On XX/XX/2020 I sent a letter to Plusfour asking for validation of debt. They sent me a print out of my name and the balance that I owed and black out majority of this small print out. No validity to this letter or validation of debt owed. I live in NC and this debt is from Nevada. I do not recall any of these services rendered. I also call this company and the gentleman I spoke with said they didn't have the license for NC to collect. I don't understand but yet they put this on my credit report and now I can't get them to remove it. I haven't received proof of debt.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ XXXXX	Web
I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
09/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 445XX	Web
Plus Four Inc Collections replied it sounds like a insurance issue as a smart remark. I have proof the insurance company just recently paid me to pay my medical bills. I never received any notice of the issue and plus four Inc Collections just hangs up on me when asking for a letter to me paying them that will remove the debt as paid and remove from my credit report all 3 credit bureaus negative impact. Also there should not had happen as to the insurance company was at fault not paying after i was the one in the XXXX car and in the car accident.
07/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89141	Web
This company ( Plus Four ) shows up as a collection item on credit report. The balance is {$290.00} and I am being notified the balance keeps increasing. I dont know exactly what medical bill this is for/what services the debt is for. I was not doing well financially at all during the time this collection posted to my credit report. I submitted several disputes prior, yet the debt keeps posting and I have not received any information what this debt is actually for. I desperately need this off of my credit report it is ruining my life.
05/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89156	Web
on XX/XX/2020 spoke with XXXX, Refused to provide collector ID, Also called me another persons name from another account she was on while she was speaking with me, she also than proceeded to tell me that she had 3 people on the line as she verified the account info, I asked for a Verification of Debt letter, She refused to send me one, said that one had been sent, she read me the address they had on file, I advise that was not my information, she than rudely placed me on hold and transferred me to a supervisor who was ever ruder.
02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89119	Web
Plus Four Inc. contacted me by mail XX/XX/XXXX by mail and I refused and returned the mail on XX/XX/XXXX as the account was unknown to me. I have previously disputed the account due to Plus Four Inc 's unlawful communication tactics to retrieve the alleged debt. Plus Four Inc. responded on XX/XX/XXXX and erroneously stated that they never received any return mail for this account. This is statement is inaccurate as I have documented proof that I refused and returned any mail received from Plus Four Inc. regarding this account.
05/30/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	Web
I have noticed on my monitoring service an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC multiple times due to multiple accounts being reported a debt of {$66.00} and another for {$91.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible as this these accounts are effecting my personal file.
01/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	Web
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me.
10/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32829	Web
I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.
10/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Servicemember
There are XXXX ( XXXX ) separate credit reportings that were opened on XXXX XXXX, XXXX ( 4 yrs, 8 mos ) and XXXX XXXX, XXXX ( 4 yrs, 1 mo ) by XXXX HOSPITALISTS and XXXX XXXX SOLUTIONS. This is a gross misrepresentation of services I have never received and these debts that are being reported are not mine. I never received an services at any of these facilities and or by their corporations. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity
12/08/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85207	Web	Older American, Servicemember
After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.
07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89048	Web
On XX/XX/XXXX I was sick and admitted to the hospital. Afterwards I negotiated the full hospital bill with the billing department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. From {$5600.00} to {$2200.00} I payed in full XX/XX/XXXX in person and received a signed receipt from the billing department saying the bill was payed in full. About 3 months later I received an additional {$220.00} from XXXX XXXX XXXX from that same hospital visit that I had already negotiated and payed in full.
10/26/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89120	Web	Servicemember
A CO call us constantly named PLUS FOUR a collection agency here in XXXX XXXX, NV.XXXX county.Calling me and spouse regarding a debt? they do not mentioned the money owed and to whom.They have threatened us with a legal serving on a specific date Thursday XXXX XXXX 2017, or to call an unknown number with an account #? We never got served ... nor did we called that number. The only money we owned is a medical bill due for {$78.00}. Please let us know if you could help us. Thanks.
09/24/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89031	Web
PLUS FOUR representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amount {$260.00}
04/05/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89012	Web
I am having issues with plus four inc. I was never sent a letter about my collections until it came up on my credit report several years ago and I reached out to them, medicaid, and the XXXX XXXX to let them know I was not responsible for this payment but instead of resolving the issue they continue to increase the amount and bill me for interest on my credit report. It is harassing and it is hurtful to my advances to buy a home or a car in the future.
07/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89031	Web	Servicemember
PlusFour Inc has not deleted a medical account that was paid. The original creditor XXXX XXXX XXXX was paid in full. I invoked my HIPPA rights as I paid. No third party should be reporting this information since it was paid. I sent them a letter with proof of delivery dated XX/XX/XXXX. They have has this letter and have not removed the medical account. If not deleted in 5 days I will file a lawsuit. I have already contacted a consumer attorney.
10/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web	Servicemember
I have tried to reach the company multiple times and I have not heard back from them. I DONT OWE PLUS FOUR INC any money for any medical debt. they are reporting false information and all of my medical is covered through the military. Please stop reporting these false claims because you are causing me a lot of damage. One claim is for {$170.00} and the other is for {$200.00}. Please remove these now and do not place them on my credit report.
06/26/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89503	Web
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89113	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.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65802	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 780XX	Web
This issue was resolved once, I have been in XXXX and prior to that any medical debts I have requested a copy of a signred authorization with my signature that I authorized this agency to bill me for this medical procedure on whoever they did it on. I supplied the credit agency all the documentation once before and it was removed due to cause. Now this debt collector has relisted it and I request they remove it from all agencies
05/29/2016	No	Consumer Loan Installment loan	Managing the loan or lease	NV 89139	Web
I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.
03/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	Web
Received a notice from my new monitoring service regarding an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$89.00} and another for {$64.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
03/31/2017	No	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NV 89002	Web
This charge was part of my bankruptcy and debt collector was notified several times in the last several year but continues to transfer collection and restart on my credit it should be recognized and removed per my bankruptcy per federal court ruling. This is the only negative mark on my credit and I have been trying to remove consistently from my record. This was removed from XXXX but not XXXX system. Thank you, XXXX XXXX
08/22/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90003	Web
I received emergency medical service in XXXX, Nevada. I am a resident of XXXX and have medical insurance I receive medi-cal and I am covered on all emergency visit inside the USA. My medical insurer, XXXX XXXX XXXX contacted the XXXX XXXX XXXX and informed them they could send the bill to XXXX. A XXXX XXXX representative agreed over the phone and still have not billed XXXX. XXXX XXXX XXXX has sent my account to collection.
06/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89052	Web
Im dealing with plus four inc w debt collector that is saying I owe XXXX dollars or so to tusail and associates Ive never seen in XX/XX/21 and with desert radiology that I owe nothing to, Ive read the reviews on this place there located in XXXX XXXX XXXX and other people have the same issue as myself I have no idea how they got my information but its affecting me and my credit please I need help from these crooks.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web
In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose
12/01/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 891XX	Web
XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.
09/04/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89117	Web
PlusFour Collections has {$210.00} on my credit reports. I've disputed them twice ; they apparently validate the debt but never respond to my dispute stating that I never received even one invoice from this company indicating what this debt is for. There is no account number listed on my credit reports. I couldn't make a payment even if I wanted to because these people won't respond with an invoice.
10/05/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89509	Web	Servicemember
This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.
12/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98604	Web
On XX/XX/XXXX I sent a debt validation letter to PlusFour Inc. as they showed on my credit report for {$450.00} and {$430.00}. They rejected my attempt to deliver the letter. I sent a follow up email regarding debt on XX/XX/XXXX. Still no verification of debt. I have never once received a statement or acknowledgement that this exists. Would like both trade lines deleted from my record immediately.
01/14/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 272XX	Web	Older American
in XX/XX/2012 I was XXXX in XXXX on a business meeting. I had a XXXX. I had XXXX there. I had very good insurance at that time and it covered most of my bills except for XXXX which I paid. then this charge showed up from XXXX who was the XXXX doctor at this time we, ve paid him everything we owed him yet this bill still shows up on my credit report. can you please help me? I, m using XXXX and XXXX
04/11/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91601	Web
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
08/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89117	Web
Plusfour Inc Collections. I did not receive any notice to dispute this bill. I was in a XXXX car accident in which i was the passenger in the accident in which the XXXX drivers insurance XXXX XXXX XXXX Company was paying. When speaking to them they told me they had error by the previous agent was no longer with them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
11/02/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89123	Web	Servicemember
this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.
02/11/2023	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	NV 89145	Web
Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX XXXX, XXXX XXXX and XXXX are not removing them. Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}
01/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76549	Web	Servicemember
Plusfour has been reporting on my credit a debt that was paid by insurance. I contacted the original creditor XXXX XXXX XXXX who advised me there is absolutely no amount owed on this debt. Ive requested they remove it or provide validation that it is still owed and have no received anything. I have a security clearance with the XXXX XXXX that this debt is affecting.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web
I've contacted this company, I haven't been able to get ahold of anyone. I've never been to this Radiology company. You can compare my social security number to the social on file with this company as well as my date of birth. Nothing will match, I believe this file may be mixed up with someone else. I've done done business or had any services from this business.
05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98802	Web
I have contacted plusfour , inc about my debt collection. They say none of my identifying information connects me to any of their accounts. That the account reported to credit bureau is of someone with similar name to mine. I have filed multiple disputes with XXXX saying this is not my account and after reviews the result is that account does belong to me.
04/24/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89129	Web
The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act '' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement ''.
09/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89106	Web	Servicemember
Previous case # XXXX typo please re open there response invalid I provided you a pis scan of my report reflecting on my XXXX Report Plusfour admitted they are resending validation I have already tried to resolve the contact and address on report Im not valid even the address No company at that address as well invalid phone number XXXX NON WORKING NUMBER
09/21/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89106	Web	Servicemember
XXXX is lying about amount owed XXXX XXXX to the therapy once you sign every time you show up I only signed for one visit after finding out he is a quack and running up a bill on a minor accident I dismissed the attorney XXXX XXXX and walked I was not hurt that bad as well his doctor not mine only supposed to get paid if win cas e IT WAS DISMISSED
03/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32526	Web
On XX/XX/2022, Plus Four put a {$250.00} collection on my account. I have no idea who Plus Four is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by Plus Four. Please remove the Plus Four illegal collections account from my XXXX credit report. Plus Four Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
04/15/2021	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 Was not notified of investigation status or results	NV 89130	Web
On XX/XX/2021 I disputed directly with the collection company because I don't believe this debt to be accurate ; so I requested validation of the debt. PlusFour Inc never responded to me nor did they ever validate the debt they claim is owed. I have now submitted a 2nd dispute, today XX/XX/2021 with PlusFour Inc and pending a response.
05/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89102	Web	Servicemember
I HAVE RECEIVED A LETTER FOM PLUS FOUR INC, A DEBT COLLECTOR CLAIMING I OWE THEM XXXX FOR SOMETHING MY INSURANCE SHOULD HAVE COVERED.REFERENCE # XXXX. I ALWAY PAY ALL MY DEDUCTIBLES PRIOR TO SERVICES RENDERED, PLEASE QUIT BOTHERING ME WITH THIS BOGUS CHARGE, I AM SSDI, MAKING MY INCOME FEDERALLY PROTECTED FROM SCAMS LIKE THIS.
06/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89178	Web
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests. This company bought my medical information with out my consent which is against HIPPA Law. My Consumer Rights has been violated!
03/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98006	Web
PLUSFOUR INC is the creditor has been on our credit report for a debt owed of {$860.00}. We have included PLUSFOUR INC. in our Chapter XXXX filing bankruptcy. It is still showing on our credit report as active. It needs to be taken off because it is included in our bankruptcy. The original creditor was XXXX XXXX.
10/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 900XX	Web	Servicemember
PlusFour Inc. Has refused to remove information/account off of my credit. I have repeatedly disputed this and they continue to say its accurate. It is not my debt and I am fed up with a collection agency that illegally bought this case and has no right to report and refuse to remove this from my credit reports
03/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89031	Web
Plusfour sent me an itemized invoice for XXXX rental. XX/XX/XXXX -XX/XX/XXXX I was in XXXX Virginia attending XXXX University . Nonetheless, please delete this from my credit report ASAP and cease all collection attempts. Please see attached - FTC ID THEFT AFFADAVIT - LOCAL POLICE REPORT ( case # XXXX )
05/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web	Older American
Plusfour is trying to collect a debt of {$5.00} that was paid. I sent them a copy of my check for XXXX $ paid to XXXX XXXX. I contacted XXXX XXXX and they told me I had no balance owed. I want this XXXX $ removed from my credit report. It was from XXXX. I disputed with XXXX and still no results.
09/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89130	Web
Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.
02/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89117	Web
Hello, Plus Four continues to attempt to collect a debt that is not valid. I have contacted Plus Four to request a name of number of person I can verify debt with and they have failed to provide such. They also continue to provide this inaccurate information to both XXXX and XXXX.
08/25/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Every month the creditor reports a {$1.00} increase to the balance owed - this amount is not monthly interest, I have not agreed to a payment plan so it 's not late fees, there has been no agreement of any kind that would warrant a monthly increase of {$1.00} to the balance owed.
06/06/2017	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 741XX	Web	Older American
Recorded voice demanding I contact them without stating what this is in regard to. If I do n't contact them immediately they will contact my HR dept. ( retired fo r 15 years ). They c all and their number displays from different area codes ( they are using ip based calling )
09/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 891XX	Web
Hello I been sending letter to XXXX, XXXX and XXXX to remove the account listed below. I have never been applied or been associated with any of them. XXXX ). PLUSFOUR INC XXXX ). XXXX XXXX XXXX XXXX ). PLUSFOUR INC XXXX ). PLUSFOUR INC XXXX ). XXXX XXXX XXXX ). XXXX XXXX
11/01/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89131	Web
I paid a bill for XXXX XXXX but it was sent to PlusFour inc, as a Collection, I work for XXXX XXXX XXXX XXXX, we had a XXXX XXXX last XX/XX/2018. Congress passed a law station our credit is protected during a XXXX, they have not deleted it from my XXXX credit file.
01/07/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89002	Web
There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file. Please help Plus Four XXXX {$15.00}
08/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89032	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'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NV 89506	Web
So I had a XXXX XXXX that insurance paid for. I disputed it online multiple times. And on XX/XX/XXXX I sent in a letter dispute and I never got thr results back. After I sent the letter off, the post office mailed a receipt saying that the letter was sent.
03/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89074	Web	Servicemember
Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.
05/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV XXXXX	Web	Older American
These accounts should be closed and removed from my credit report. It is harassment and XXXX. People just like hating me and my family and XXXX us, they all enjoy it. Having us homeless so they are not. It has been all my life in this country.
03/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77578	Web
I don't know anything about this debt, I've never heard of the original creditor PLUSFOUR INC I've tried to dispute the item on my credit report and I haven't heard anything back from PLUSFOUR INC nor XXXX XXXX XXXX XXXX.
10/31/2022	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 Problem with personal statement of dispute	NV 89101	Web	Servicemember
I had medical insurance during this time which was called XXXX through Medicaid with the state of Nevada which changed to XXXX XXXX XXXX XXXX XXXX still through Medicaid. When I called Medicaid they explained this to me
12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90802	Web
I got a robo call saying i was in collections and when I called the number back I got the run around they were asking me personal information i am on the black web been compromised with XXXX and someone is usng my info
03/02/2017	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89122	Web
Unknown item which I have disputed, requested validation and received nothing and this unknown item is still listed on my personal credit file which is unknown and I do not owe any medical debt. Please help
02/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89074	Web
There is a company listing I owe on a medical debt which I do not. I have XXXX insurance policy 's that cover 100 % this information is inaccurate and false. Please help as I have been trying to fight this
10/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89120	Web
Plusfour place a collection on my credit report, affecting my credit, his account does not belong to me, Plusfour is using very aggressive collection tactics calling me. this accounts are XXXX and XXXX
06/29/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89052	Web
I have been sent to collections for a {$30.00} payment which I should not be responsible for. At that time I was covered under the state of Nevada XXXX and had no copay for any XXXX XXXX.
12/28/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NV 890XX	Web	Older American
File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. I claimed this debt on my chapter XXXX bankruptcy.
06/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89002	Web
I have disputed, file prior CFPB complaints, requested verification, and even called XXXX XXXX THEY HAVE NOTHING under my social. I can't seem to get this resolved. I need help.
08/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Web
I sent a debt validation letter to the collection agency via certified mail and they REFUSED my letter. The company is : Plus Four Inc. XXXX XXXX XXXX XXXX XXXX, NV, XXXX
04/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 711XX	Web
I requested validation of this debt in writing 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.
04/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89030	Web
I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of
06/15/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web	Servicemember
The account listed is for XXXX XXXX , my name ie XXXX XXXX XXXX . My social security number was used and I have never received service from this provider.
11/15/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89139	Web
PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense
11/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89148	Web	Servicemember
Checked my credit report and noticed fraudulent activity. Contacted collector and informed them that this is not mine and I am a victim of identity theft
02/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89106	Web
There is an account listed through this company, I have disputed several times. I do not feel this is owed and no verification to support this claim.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89015	Web
Collection agency ( Plus Four ) unable to provide any supporting documentation for this debt. I have no knowledge of this debt or this account.
01/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89183	Web
I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,
09/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 890XX	Web	Servicemember
This debt was to be covered by XXXX, I was covered by XXXX, if it did not get covered by XXXX then it was to be covered by XXXX.
11/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89121	Web
The debt was pay in Full on XXXX satament from my bank can be submit .. that paymennt was made it and never reported
05/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV XXXXX	Web
Hello, This debt is being paid by the insurance already. XXXX XXXX KEEPS CHARGING AND SENT ME TO COLLECTION
06/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89107	Web	Older American
I had been disputing this claim by the collection agency name PlusFour for over 3years with no success.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89117	Web
Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NV XXXXX	Web
I have requested XXXX to remove a medical account from my credit report and they have not.
07/27/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92101	Web	Servicemember
This debt is not mine, I have attempted to correct this matter but have been unsuccessful.
12/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89141	Web
Ask for verification of debt with a written letter to company and never received anything
04/12/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 90027	Web
A collection agency illegally re aged one of my accounts. XXXX XXXX. XXXX, NV XXXX
06/10/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NV 89119	Web
Plus four inc collectors failed to provide proof that this is my collection
06/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Servicemember
This debt is not mine, I have never received services from this company.
08/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89117	Web
Plus Four Collections never mailed me a 30 day notice to this debt.
12/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94607	Web
No legal binding accounts with this company
12/07/2023	Yes	Debt or credit management Credit repair services	Problem with customer service	NV 890XX	Web
Original date of account is over 7 years
03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89149	Web
THIS IS A RESULT OF IDENTITY THEFT.
02/10/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93455	Web	Servicemember

02/08/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89044	Web

01/25/2024	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NV 89074	Web	Servicemember

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94804	Web

10/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89074	Web

09/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89014	Web	Older American

09/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89121	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 49075	Web

08/22/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89142	Phone

08/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89119	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89113	Web	Servicemember

06/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89103	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89107	Web	Older American

05/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89103	Web

05/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89104	Web

04/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60563	Web

04/05/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89052	Phone	Older American, Servicemember

03/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89131	Web	Servicemember

03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75503	Web	Servicemember

02/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89115	Web

02/13/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	NV 89119	Web

01/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89002	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89117	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89141	Web

12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89130	Web

12/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89801	Web

10/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89031	Web

10/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89044	Web

09/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89119	Web

09/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89147	Phone

08/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89129	Phone	Older American

08/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89052	Web

06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web

06/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89048	Web

05/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92014	Web

05/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97402	Web	Servicemember

05/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89117	Phone

05/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30350	Web

04/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89166	Web

04/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89103	Web

04/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89145	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NV 89122	Web

03/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89061	Referral

03/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28303	Web	Servicemember

11/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89103	Web

11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89142	Web

11/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89041	Web	Older American, Servicemember

11/01/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89131	Web

07/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89101	Web

07/21/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90059	Web

07/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89044	Web

07/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89120	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89106	Web

06/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89139	Web

06/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web

05/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89052	Web	Servicemember

05/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89139	Web

04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89178	Web

03/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98802	Web

03/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute		Phone

03/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89052	Web

01/20/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89103	Web

01/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89143	Web

11/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89129	Fax

11/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NM 88310	Web	Servicemember

10/14/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89183	Fax

10/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89147	Web

10/02/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89129	Fax

09/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92506	Web

08/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89149	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web

08/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92404	Web

07/31/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89031	Referral

07/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92506	Web

06/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89060	Phone	Older American, Servicemember

05/05/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89030	Web	Servicemember

04/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89119	Web

04/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18301	Web

04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77459	Web

03/20/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89147	Web

02/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89121	Web

02/08/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web

02/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89148	Web

02/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89148	Web

01/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web

01/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72336	Postal mail

01/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web

12/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89147	Web

12/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

11/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19067	Web

11/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89178	Web

10/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web

10/02/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89145	Phone

09/12/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32034	Web

08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NV 89081	Web

08/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89074	Web

05/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

02/25/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89130	Web

02/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89137	Web	Older American, Servicemember

02/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 67214	Phone

01/15/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89123	Web	Servicemember

12/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

11/27/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89179	Web

11/15/2018	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 Problem with personal statement of dispute	NV 89110	Web

10/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89147	Web

10/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89147	Web

08/03/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95401	Web

07/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89115	Web

06/27/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89107	Web

05/31/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89030	Web

05/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89030	Web

04/18/2018	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	NV 89148	Web

04/17/2018	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	NV 89148	Web

02/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89030	Web

02/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89032	Web

02/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89149	Web

01/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web

11/30/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33428	Web

11/29/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32811	Web	Servicemember

11/12/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89081	Web	Servicemember

10/03/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Phone

09/18/2017	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32811	Web	Servicemember

09/03/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web

08/24/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89101	Web	Older American

08/08/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89103	Web

07/01/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75189	Web

05/24/2017	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89122	Web

05/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89074	Web

04/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92101	Web	Servicemember

04/12/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92651	Web	Older American

04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89183	Web

02/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89115	Web

12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89103	Web

12/04/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80902	Web	Servicemember

06/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89052	Web	Servicemember

05/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NV 89139	Web

05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89014	Web

03/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89117	Web

02/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89052	Web	Older American

02/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89052	Web	Older American

02/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89052	Web	Older American

02/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89052	Web	Older American

02/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89052	Web	Older American

02/25/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NV 89052	Web	Older American

02/23/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89081	Web

12/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89193	Phone

12/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89031	Web

10/16/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89108	Web	Older American

09/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89130	Web

09/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	UT 84790	Web	Older American

08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77566	Web

06/08/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89052	Web

03/30/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89129	Web

01/07/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89108	Web

10/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89183	Referral

08/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NV 89135	Web

08/05/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89108	Web