| 07/18/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
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| 03/03/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2017 I have worked my whole life to retain good credit. I 've never ask my parents or the state for any financial assistance, even when my daughters were young and I was a single parent. Now I need assistance please.
I live in XXXX Louisiana but travel to XXXX and XXXX to work, I XXXX XXXX to XXXX Louisiana. I use my camper when out of town.
On XX/XX/XXXX I contacted XXXX that owns XXXX because my camper had water damage. He told me the insurance company would pay for it, they did other than the deductible.
I had used XXXX before and had good results. Now he is married and his wife involvement broke down all communication.
She was quick to discontinue all communication between XXXX and me and told me not to contact him, only her.
I checked on the carpet almost weekly for 2 months. I had planned to have the carpet done from a carpet dealer but they talked me out of it, even offered me carpet they had, which they recanted. I really did n't want theirs, wanted to match mine and of course get the mold out as soon as possible. Every time I stayed, I came home sick.
They offered to do other things that I agreed to, but only the first portion of the work was done, which I have already paid {$630.00} for.
Then after countless emails, text, I was told that the carpet they bought was ruined by the person they had bind it. There were no definite plans was in place to fix my camper. I then decided to discontinue the service and go to another direction.
Then, his wife, XXXX, starting issuing threat after threat. I tried very hard to resolve this but could n't get anywhere with her. She even accused me of insurance fraud, which I 'm sure my estimator would testify that he ask me about my couch and I told him not to worry about it, I just want my camper livable.
She then gave me 10 days to pay a falsified invoice {$1200.00} or she would turn it over to collections. I was not able to go there within that 10 days ( it is 2 hours away from my home ) so I ask the RV park to check on some of the charges and I have the emails included that the XXXX outside items he could see ( battery or brake line ) were NOT installed.
I paid {$23.00} to overnight a check for {$91.00} with a breakdown of what I thought was fair ( see included ). I was sent additional harassing messages by XXXX, even after I ask her to send me what she was talking about so we could work through it but I was told it was going to collections.
I then receive the letter from Professional Collection Co. I called and spoke to XXXX there and offered all the documentation to prove these charges were falsified but she would not take any steps to try to resolve the situation.
I went this week on Wednesday XX/XX/2017 and found the same. I took at picture of the battery box, water in it, and no battery for ages. My keys have not been returned, so XXXX XXXX XXXX still have complete access to every area of my camper, even storage.
I tried one last time to reach out to XXXX last night for resolution before taking this step and those emails are included on the bottom of the page. Much of the same, XXXX took over, told me not to contact them any longer.
I have included all emails and texts, pictures for proof.
Thank you,
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| 06/10/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I 've contacted this collection agency Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in XXXX and you on XXXX XXXX ,2017 and have n't received any documents or feedback from the company but they falsely verified with the XXXX and XXXX that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the XXXX credit agencies.
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| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX called from Professional Collections in XXXX, LA. I was sitting in my office during this phone call and my assistant was helping me answer phone calls. When we answered the calls, XXXX said she was calling for XXXX and went straight into listing my debts and amounts, some of which were medical. She did not confirm my identity nor did she read the mini XXXX rights. My assistant heard the entire call and unfortunately knows about two of my debts- medical and utility. When I asked to speak with a supervisor, I was forwarded to someone who asked if I was just not intending to pay my debt or why I was making such a ruckus. Once again, dismissing my rights as a consumer.
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| 12/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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Professional Credit if XXXX LA is reporting I owed {$600.00}. The debt was {$400.00} and was paid by my health insurance company as Soon as the doctors office filed with the correct company. They filed with my old insurance even though on my previous visit they filed with the correct company. So clearly they had the right information. I discussed with doctors office the {$400.00} debt and they claimed I owed 50 % more because they turned over for collection. Thus was years ago. Ive already had it corrected with another credit reporting company years ago but it remains n XXXX report. Professional Credit of XXXX LA is falsely reporting the amount of the original amount.
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| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 10/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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| 07/18/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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| 04/14/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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| 12/20/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 09/23/2015 |
Yes |
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- Communication tactics
- Threatened to take legal action
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Phone |
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| 01/07/2015 |
No |
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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| 12/31/2014 |
No |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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