Quality Asset Recovery LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94589	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. QUAL AST REC bal. {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX QUALITY ASSET RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$470.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX XXXX
12/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 080XX	Web
I have been trying to clear up an ongoing billing and unethical issue with my XX/XX/2022 date of service for months. I have talked to XXXXXXXX XXXX the billing company and the collections department, XXXX several times. The first time I spoke to XXXX, a person called me back and advised me that my bill would be written off. Another person hadnt realized I spoke with someone and the same conversation of a write off occurred. Still though, I receive statements and text messages asking me to pay my bill from my XX/XX/2022 office visit with XXXX XXXX. I do not deny this visit, however my appointment was for a XXXX as advised by XXXX. XXXX had seen me twice for my XXXX XXXX and for a XXXX XXXXXXXX XXXX XXXX. They advised me to see XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 I sent a letter certified to the billing company address and the facility. I attached email from XXXX advising me to call XXXX XXXX and schedule my XXXX Despite that this was terrifying to me and it is my very first XXXX I did so. The appointment was set and they said that they would obtain my images before the appointment. XXXX confirmed it was for a XXXX and had my paperwork filled out upon arrival. The person at the front desk at XXXX set me up and at no time upon arrival did anyone tell me I would not be getting a XXXX or that there was a bill for the facility. At no time upon arrival did anyone tell me that my images were not available. The negligence started at this point, or before I arrived. I had taken off of work for this appointment a biopsy. In my private room at XXXX, XXXX XXXX came in. Immediately she apologized because there was an error on her part with the computer imaging. She did not have them ready for my appointment and therefore, I would not be able to have the XXXXXXXX I was scheduled for. This was absolutely not okay that I had taken so much time out of my day, now unpaid and was told that the visit was pointless. It doesnt cure the possibility of XXXX either. XXXX XXXX advised me to return in a few months, without ever even looking at my images. She admitted that there was a mistake, apologized and left. XXXXXXXX XXXX did not dutifully provide me with proper care. It was only explained to me that there were several problems on the providers behalf when I was in the private room with the XXXX. No one with the administration ever bothered to tell me, call me, formally or casually explain that I would not be getting a XXXX. I am a person, I am not a code on a medical bill. I have the right to make my own decisions. The physician and location have a duty to provide services based on the appointment that is scheduled. If the images had a huge problem with XXXX 's end, if the appointment was not scheduled correctly and if XXXX failed to inform me of that then that is something that you will need to handle accordingly. I dispute this bill, I dispute the facility and I dispute the organization put into my visit. I dont understand why I continue to be ignored in my letters or not followed up on with the write off when I speak with people. When I call the billing company, their agenda is merely to argue with me. The person says they understand but then will say the coding is correct. She even went so far as to say I had a XXXX No. No. No. Politely, no. After I sent my certified letters, I recieved a robocall. I explained everything and the representative said she could completely understand. After the call, I received a bill from the collection agency, XXXX. I sent them the dispute on XX/XX/2022 with the same letter I sent explaining the fraudulent billing.
03/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 775XX	Web
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
07/30/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WV 26101	Web	Servicemember
An account from 9-10 years ago was recently placed on my credit by Quality Asset Recovery of New Jersey. The amount is XXXX, original creditor XXXX XXXX XXXX XXXX XXXX for tuition assistance in XXXX or XXXX while I was active duty military for the XXXX. Apparently While cleaning up accounting records the XXXX and XXXX decided to send old debt to collections. QAR is the collection agency. QAR either doesnt know or doesnt care that debt is 9-10 years old and placed it on my credit in XX/XX/XXXX. I decided to call and explain it was too old to be placed on my credit original date of delinquency at least 9-10 years old. When I called, I verified phone, name, address, ssn so they could locate my file. Once they figured it out they said the person to handle my case wasnt available and they would call me back. I said I Do Not want them to call me ever, I do not give them permission to call me. I will call them back and the operator became immediately rude. They called back shortly and I did not answer. They attempted to call the next day a couple times and I ignored them. Apparently they found an alternative # which was my wifes, she actually spoke to them until they became belligerent and she told them she will not let them talk to her that way and hung up. When I arrived later she told me what had happened so I called to explain what dont call means. When I called and talked to them about it the operator said something snide and hung up. I tried again, same thing happened. I tried again and XXXX XXXX answered and tried to overtalk me, I shouted him down and told him to never call again and blocked their #. XXXX XXXX is the one who talked to my wife in a demeaning manner. She was taking his number, asked for it a second time and he said let me slow it down for you, threeeee ( pause ), fivvvvvv ( pause ). At this time, my wife told him she was not stupid and he didnt have to act that way. Anyhow, this company was rude and aggressive, told not to call and did multiple times, reported an account as delinquent as of XX/XX/XXXX when it was more like 10 years ago. They also have it listed as medical debt when it has nothing to do with medical. I compel you to have them bring proof of original debt and once it is determined to be past the 7 years they need to have it removed. This company is an example of why the Fair Credit Protection Act was created.
08/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web	Servicemember
I am a XXXX % XXXX veteran. In XX/XX/XXXX I was injured during a tactical confrontation in XXXX XXXX. In XX/XX/XXXX, I was referred from the XXXX XXXX in XXXX XXXX XXXX Florida, by my primary care physician to see the doctor outside of the XXXX XXXX. The specialist was for XXXX XXXX XXXX and XXXX XXXX. The XXXX XXXX contacted the office, they had discussed payment with the outside care provider and they agreed to take me on as a patient. Shortly after my visit to that office, the clerk who worked at their reception desk attempted to collect the fees for their tests directly from me. I had already provided all the pertinent details about payment. It was to be handled directly with the XXXX XXXX, not by myself. As XXXX % XXXX with the VA for combat injuries sustained while XXXX in defense of out great XXXX. The doctors office continued to harass my wife and myself for payment. I had gone to the XXXX XXXX with a copy of their bill and they had agreed to get in touch with the doctors office and handle they payment they so feverishly attempted to collect from me even after all the proper insured and va documents were provided. I had be reassured this debt was not mine to pay by the VA and their patient advocate. Years later and the debt has now been put into collections, it has been damaging my ability to buy a home for my wife and son, my family. It has disabled me from buying a family car, home, rentals and the like. This has been hanging above my head for a couple years now. I attempted directly through equifax credit agency to dispute this debt owed by the VA hospital to no avail. The debt is not mine to pay yet I 've been paying for it for years because my family can not use our credit to acquire a home or a car. The dollar amount is not mine to pay, {$260.00}. I have been retired from military service and receive a fixed income as a XXXX % XXXX veteran. I can not afford to spend the money that is n't even mine to pay. This has been a losing battle no matter what I have tried to get this debt extinguished. Please help me get this shut down. I really need to do better for my family and having this derrogitory mark on my record is the only thing currently holding me back from being the provider and husband I need to be.
01/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NJ 07306	Web
yesterday i checked my credit report through Experian and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : XXXX XXXX which is sent to XXXX XXXX by Quality Asset Recovery I didnt authorize this action Quality Asset Recovery sent : 1- My social Security Number 2- they violated my privacy when i was patient 3- by sending this documents to XXXX XXXX about my illness they violated Section 264 of HIPAA Law violated 5 USC, section 552A 4- i sent them cetified letter 2 month ago to ask them about this collection account they didnt respond me yet untill now due to the FCRA they should respond before 30 days or they have to delete the collection account they didnt do any of these 5- i filed dispute regarding this collection account on the XXXX credit report agency 2 month ago and due to the investigations it has been deleted from my credit report but the collection agency reinserted the collection account on XXXX and XXXX without sending my any mails the section 6o9 of the FCRA says before the collection agency reinsert the collection account on the credit report they have to send mail regarding the collection account before they reinsert it their phone number : XXXX XXXX XXXX their mailing address : 7 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX 1- I need them to delete this incorrect informations from my credit report 2- kindly they have to get this collection account removed from my credit report from XXXX, XXXX and all credit report Agency which is having my credit report and this collection account on it unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization +XXXX USD for sharing my Social Security number informations with unauthorized company +XXXX USD for violating my patient Privacy
03/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78748	Web
I lived at the XXXXXXXX XXXX XXXXXXXX XXXX between XXXX XXXX XX/XX/XXXX. The company claims I skipped out on my last months rent and did their walkthrough in XXXX, two weeks after the end of my lease. They claimed to have made attempts to contact myself and XXXX contact but no attempts were made. I emailed the office at XXXX on XX/XX/XXXX, giving my notice to vacate 60 days later on XX/XX/XXXX at the end of my lease. I have the screenshot and time stamp that proves my statement to be true. I was given no response. This was all in XXXX. This property The XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, Tx. And is managed by XXXX XXXX. Fast forward to XX/XX/XXXX, I receive a notification that a collection was opened in my name with the debt of $ XXXX from a XXXX party debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX alleges this account was opened XX/XX/XXXX. Almost 4 years after I moved out, XXXX XXXX sold a collection amount in my name to a 3rd party agency. I have reached out for a copy of my lease and move-out statement on two different occasions. Once back in XXXX, I called asking for a rental verification for myself and was rejected for reasons that can be disclosed by The XXXX XXXX XXXXXXXX XXXX. In XXXX, when I was working at XXXX XXXX, I called and sent over a verification for rental for myself from XXXX XXXX. They did not believe it was valid and chose not to respond. They claimed to have called XXXX XXXX management to verify but had they called, they would have spoken to me. XXXX XXXX claims to have made attempts to collect this debt before selling it to a 3rd party agency but had they tried truly, they would have emailed the email ( my current email ) that I used when submitting my notice electronically ( I submitted a written one in person as well ). They would have also told me about it the times I called to speak about requesting a copy of my lease. They have refused to give me a copy of my lease for the last 3 years. Then after 3.5 years, they sell my account to a 3rd party collection and refuse to speak or communicate with me per their rules of engagement.
11/13/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 070XX	Web
The source of this debt is a visit to the XXXX hospital. My wife was XXXX of 5 months at the time. She XXXX. All the literature states that if that happens, one should get checked asap. Therefore we went to the closest XXXX. Our XXXX plan has a coverage for XXXX visits with {$100.00} copay. We were admitted through the XXXX and taken to XXXX ( XXXX XXXX XXXX ) on a wheelchair without asking anything. Her insurance information was taken when admitted. 4 months later the hospital sent us a letter saying they were experiencing lack of cooperation from the insurance company. The insurance company has gone as far as stating that the XXXX should have contacted them before sending us to XXXX XXXX XXXX. The hospital ( logically ) argues in a situation of XXXX where there is a XXXX there is no time to waste on bureaucracies. When we called the hospital about the debt, they said there was nowhere to specify that the XXXX XXXX XXXX treatment was provided through the emergency room on the system. However, they said the insurance company should know all XXXX XXXX XXXX interventions are emergencies, as they are never scheduled. The insurance on their end argue that if the invoice does not specify that it is an emergency room situation with its corresponding code, it is not covered as such. We 've discussed with the hospital and they said the system does n't have that code input - it is either XXXX & XXXX or emergency room, but it can not be emergency XXXX XXXX XXXX, and the best they can do is put it as a note in the invoice. We 've gone as far as coordinating several calls between XXXX payments department and the XXXX financial departments to clarify the situation, and have reached a stalemate. XXXX claims they can not pay without the XXXX code, and XXXX say they can not do it on the system. I even have recordings of these calls where hospital agents admit it 's not our fault but they can not do anything about it. I 'm afraid there is nothing more I can do, but it is not my responsibility to pay the bill for something that is clearly a systems issue between the insurance company and the XXXX.
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33311	Web
I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have XXXX XXXX agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency QUALITY ASSET RECOVERY, LLC Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact QUALITY ASSET RECOVERY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX
08/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08012	Web
XX/XX/XXXX. I called Quality Asset Recovery, LLC in reference to two bills I received in my name. The creditor is XXXX XXXX XXXX XXXX and the bills were my children 's ; XXXX XXXX and XXXX XXXX. I called at approximately XXXX and asked to discuss why these bills were in my name. I spoke to a " case manager '' for this debt and asked politely for him to take the bills out of my name for they were not mine. He ignored me and asked me if they were my children I responded yes. He then said " well if they are your children they are your responsibility ''. I stated they were not my responsibility and I know my rights. He then started to harass me and intimidate me into trying to pay these debts. I told him if he did not take my name off of both debts then I would contact the Federal Trade Commission. He then said " well the best I can do is file a dispute ''. I then stated fine and I am still filing a complaint because of this situation. My information should have never been given to anyone from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. Also the dates on the notice for date of service is wrong it states XX/XX/XXXX. At that time my son and daughter were not living in this area. These bills are for cancelled appointments not even for actual services rendered. Pointless just a way for them to scam consumers. I am very upset that this creditor send my information to this debt collector. My information in none of their business and I wish to have my name removed from these bills and their data base. The one bill is in my correct name XXXX XXXX with an account number of XXXX, date of service XX/XX/XXXX. The second bill is is in the wrong name of XXXX XXXX, with an account number of XXXX, no date of service listed. Please have my name removed from these bills and do something with XXXXXXXX XXXX XXXXXXXX XXXX for selling my information without my permission. If you need to contact me you may do so by email XXXX for cell phone XXXX.
07/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 190XX	Web
I had an XXXX at XXXX on my XXXX on XX/XX/XXXX. Before the services were provided, XXXX notified me that my XXXX would be {$1500.00} and I 'd have to pay my {$500.00} medical deductible before services would be rendered. I came with {$500.00} cash ; however, they offered an interest free payment plan. I took the payment plan as it was favourable to paying {$500.00} cash on day 1. My credit card has been billed as agreed upon in the payment plan. I have also fully paid my credit card ( {$0.00} outstanding balance at each month-end since before XX/XX/XXXX, which means I have paid in line with the payment plan ). I received a voicemail the week commencing XXXX XXXX from someone stating to be employed by XXXX, which is the parent company of XXXX, stating that I have not paid my balance. When I asked how that was possible as I was on a payment plan, they noted they sit in a different office and were not aware of my payment plan. Not knowing about my payment plan seemed a bit off, so I looked into the number I was given on my voicemail and noted it was for Quality Asset Recovery, a debt collection agency! This individual, XXXX XXXX ( XXXX ), actually does NOT work at XXXX as he claimed in his voicemail ( which I am more than willing to provide ). He never once even notified me he worked for a debt collection agency. I then decided to call XXXX directly to ask about this and they stated that I, in fact, had paid every bill on time as agreed, and that the issue came from them " incorrectly sending accounts for collections '' to XXXX. I would also like to note that I never once received a notice from XXXX that I was late on payment. I also sent them a letter XX/XX/XXXX asking for the detailed billing for my XXXX ( as this was never produced ). It has been 2 months since that letter was sent and I am still awaiting a response.
02/24/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 080XX	Web
I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.
02/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Web
For over 25 months I have aggressively tried to get validation of this debt through the collection agency : Quality Assest Recovery ... through certified letters to this company asking for validation. I have also disputed this negative account through each credit bureau for a continuous 2 years that I have notice this account on my report in 2017. I have reported that I never received any initial notice indicating that I owe a debt to this collection agency to the credit bureaus in my disputes and it was ignored. This account consistently was verified by XXXX and XXXX disregarding my concerns about my lack of ability to obtain information about this debt Quality Asset Recover says I owe. XXXX and XXXX feedback was simply stated that they will no longer re- investigate this particular account and that I need to contact the furnisher. After taking the advice of the credit bureau I made the call to Quality Asset Recovery, with the purpose to validate the debt and found that I was blatantly ignored and was being pressured to discuss payment of the debt .... I simply refuse and demanded validation and ended the conversation that seem useless. After filing a CFPB complaint about the matter and violation of my rights to receive validation. Quality Asset Recovery sent a letter stating that my complaint was not accurate and that I initially call them to discuss payment and was willing to make a payment rather then get the validation Im entitled to. This collection agency practices are unfair and against the FDCPA guideline how to treat and conduct business. At this time I have yet to recieve validation of this debt that Quality Asset Recovery wants me to pay without knowing anything about the validity of this debt.
04/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 19121	Web
I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX
11/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ XXXXX	Web
THIS DEBT COLLECTION COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED. XXXX XXXX SENT ME A NOTICE OF THEIR INTENT TO COLLECT A DEBT WHICH I RESPONDED WITH IN XXXX DAYS. THER NOTICE WAS DATED XX/XX/2021 WHICH I RECEIVED XXXXDAYS LATER ON XX/XX/2021. XXXX DAYS TO RESPOND WINDOW CLOCK STARTS AT THE MOMENT OF RECEIPT NOT THE MOMENT THE DEBT LETTER WAS DATED. I DO NOT OWN THE POSTAL NETWORK SO DEPOSITING A DEBT LETTER IN THE POSTAL SYSTEM DOES NOT START THE XXXX DAY WINDOW IT IS UPON THE MOMENT OF RECEIPT. I ONLY OWND THE RECEPTACLE IN WHICH MAIL IS DEPOSITED INTO. THIS IS WHEN THE XXXX DAY WINDOW STARTS UPON THE MOMENT OF RECEIPT. NEEDLESS TO SAY I RESPONDED WITHIN THE XXXX DAY WINDOW AND THE COLLECTION OFFICE RECEIVED IN THEIR POSSESSION MY REQUEST TO VALIDATE THIS ALLEGED DEBT ON XX/XX/2021 AND SIGNED FOR IT. UPON RECEIVING MY NOTICE FOR VALIDATION, QAR IMMEDIATELY PROCEEDS WITH COLLECTION ACTIVITY BY NOTIFYING THE CREDIT BUREAU OF THE ALLEGED DEBT IN VIOLATION OF THE XXXX LAWS. THIS CAN BE PROVEN BY MY ATTACHED DOCUMENTATION. QAR HAS YET DETERMINED OR EVEN PROVEN THAT THE DEBT IS VALID AND CORRECT. LET ALONE EVEN PROVEN THAT THE DEBT IS INDEED MINES AND VALID. I HAVE NEEVER DONE BUSINESS WITH QAR AND HAVE NEVER ENTERED IN ANY AGREEMENT WITH QAR FOR ANY TRANSACTION. QAR HAS NOT SHOWN ME THAT THEY ARE EVEN LEGALLY THE ONERS OF THE ALLEGED DEBT. SINCE QAR ARE IN VIOLATION OF THE XXXX I IMPLORE THEM TO DELETE ALLEGED INACCURATE DEBT OR THEY WILL ANSWER FOR THEIR VIOLATIONS IN STATE AND FEDERAL COURTS
12/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 083XX	Web
I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. ( XXXX treatments/shots/doctors/surgeries ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX Hospital. C & H was no longer handling my account. XXXX took it over. I again made payment arrangements with them and paid {$2000.00}! QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it XXXX years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!
12/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 083XX	Web
I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. ( XXXX XXXX/XXXX/doctors/XXXX ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX XXXX. C & H was no longer handling my account. QAR took it over. I again made payment arrangements with them and paid {$2000.00}! QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it four years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!
06/06/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08080	Web
About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from XXXX . Finally in XXXX of XXXX after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a XXXX XXXX in the hospital for XXXX and the doctor said XXXX XXXX first. That was their error and I should have done XXXX first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay XXXX which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.
10/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 14221	Web
Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me
07/16/2019	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	NJ 07108	Web
Hello. I originally had a collection account with Quality Asset Recovery ( Company 1 ) and then the collections was bought out by XXXX XXXX XXXX, XXXX XXXX ( Company 2 ) to which I paid in full the entire account as of XX/XX/2019. After XXXX, I noticed that the collections were still not removed from my XXXX XXXX and repeatedly called both companies to try to resolve the issue. Company 1 claims that they will not remove it off my report because I did not pay them. Company 2 says that they called Company 1 saying I paid in full. I called the ORIGINAL lender and they told me that the amount of what I paid is correct for Company 2, so I know that the entire account and all of the invoices listed are now paid in full. To date, and 5 months later, there are three collections still on my credit report even though I have called everyone many, many times and even filed disputes to correct this and close the accounts. Company 2 said they even mailed information over to all credit agencies, but I have no record of them doing so. Additionally, they now state that I am not allowed to call Company 1 because they hold my account. I just want this off of my credit report, hopefully as of XXXX, since I am trying to build my credit and this has been a thorn in my side for months. I never get a complete answer.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07111	Web
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by QUALITY ASSET RECOVERY. While checking my credit report, it came to my notice that QUALITY ASSET RECOVERY has furnished an account XXXX on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by QUALITY ASSET RECOVERY will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or QUALITY ASSET RECOVERY, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
01/13/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NJ 07306	Web
i was checking my XXXX credit report and i found a collecton account on my credit report with amount : XXXX I didnt use this service and i didnt authorize it to be done under my social security number i contacted the original : the representive of the original creditor told me there is no unpaid bills or any bills under my name or my social security number has been transfered to the collection agency I Dispued i from my XXXX credit report and due to the invistgations it has been deleted from my transunion credit report but the Quality Asset Recovery reinserted it on my XXXX and XXXX credit report without sending me any notification - This is a violation to the Fedral Fair Credit Report ACT Section 6o9 FCRA Section 6o9 XXXX The original creditor should ask me to pay this bills before it get transfered to the collection agency XXXX This collection account has many incorrect informations as 1 - my first name 2- my last name 3- my mailing address XXXX iam already having XXXX how come to receive medical bill while iam having medical insurance XXXX I made a recorded phone call with the agent of the original creditor to as about this bills he told me there is no unpaid bills under my name XXXX here is a copy of my XXXX and recoded phone call with representive of the original creditor
10/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07306	Web
I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.
11/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27545	Web
I made numerous attempts to get this resolved.. because it is an aging account the hospital no longer has the information to provide, and will not give any information. I am always being referred to the collection Agency, I 've spoken to a young woman by the name XXXX who works for Quality Asset Recovery.. She to stated that they are a 3rd party with only limited information. only can confirm the amounts and the date.. Which I do NOT agree with.. Dates of service are XX/XX/XXXX and XX/XX/XXXX. Coded as XXXX XXXX???? Per XXXX XXXX XXXX XXXX. Whom have been very helpful in assisting me getting clarity. I am not a person who gets sick or ill, My last XXXX was in XXXX, after the XXXX XXXX XXXX XXXX, I opted to have a XXXX XXXX. I 've have never gone back to have any other XXXX thereafter. I am deeply concerned that I am being billed for services not performed, or a claim was submitted without my knowledge : I have always been insured I was a member with XXXX since XXXX. They even stated you really do n't have anything major pending the entire time you were a member. if possible I want this resolved and removed and investigated, I cant get any answers with the assistance maybe you can.
06/23/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08043	Web
Quality Asset Recovery unlawfully reported a medical debt to credit bureau as an individual that was already in the process of being addressed by workers compensation company XXXX XXXX XXXX. ( claim number is available upon request ). on XX/XX/2020 I received a Quality statement of amount due {$150.00}. I immediately informed Quality Asset with XXXX XXXX XXXX claim number with all the information required. I requested to correct the issue to send the statement to the XXXX XXXX XXXX. Also, I requested to remove the medical debt report from my credit report. However, it was never removed and the issue was never corrected. Again, I checked my credit report and I found that Quality Asset recovery updated the report with the same wrong information without removing it. I called on the date XX/XX/2020 XX/XX/2020 XX/XX/2020 and many more dates. requested to remove the false report, I have been threatened that the false information will not be removed from my credit report and it will remain in my account with the same information as an individual responsible for the statement for 7 years even if it's been paid from the workers compensation company.
03/12/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77339	Web
I received a call on XX/XX/XXXX from XXXX XXXX of Quality Asset Recovery. He began blasting me with accusations that my son owed money from a rental apartment in XXXX XXXX, TX from XXXX. Mr. XXXX did not appropriately explain the situation as this was the very first time I had knowledge of any owed money. When I asked him for information to understand the situation, he became defensive, and started to use intimidating and threatening language. He said my husband and I are co-signers of the lease and if we didnt want to ruin our credit, we needed to pay the money owed. We have never received any communication prior to this phone call about any remaining money owed to the rental apartment company. I told Mr. XXXX that I was taken back because I felt he was bullying me, and asked him to go over everything again so I could write it down. He said he wasnt going to do that and to speak to my son because obviously he was lying to us. ( he actually said that! ). I told him he was being inappropriate and I was going to report the call. He again got defensive and said to call him back when Im ready to not have our credit ruined.
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 188XX	Web
The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you
08/15/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company 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. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
11/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08742	Web	Servicemember
Received an alert on my credit report XX/XX/2021 for collections. I immediately paid {$31.00} to have all XXXX credit reports pulled. XXXX credit report showed a collection for {$1100.00} by Quality Asset Recovery , LLC. I was not familiar with the name of that company, so I started a dispute, which indicated the original creditor, XXXX XXXX XXXX, XXXX I've had XXXX services completed by XXXX XXXX XXXX XXXX XXXX in XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was pre authorized ( took XXXX weeks ) prior to my visit. XXXX 's are covered service under the health insurance plan. Upon further investigation on XX/XX/2021, I reviewed my online Insurance EOB statments and found that XXXX XXXX XXXX never submitted a claim against my insurance. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have no documents to attach except a screen shot from my credit report.
01/13/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 080XX	Web
HIPAA violation : I did not give authorization, verbal or written to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that authorizes the release of my PHI to them. If an electronic transfer was conducted they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also a copy of their Business Associates Agreement ( BAA ) outlining their responsibilities to the covered entity pertaining to 45 CFR 164.504 ( e ) QUALITY ASSET RECOVERY needs to provide a full accounting of the amount alleged to be owed in accordance with G.A.A.P. I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points which makes ALL correspondence evidentiary AND under the penalty of perjury. Alleged Account XXXX***/ does not provide a full account # Amount alleged to be owed {$1700.00} Alleged Account XXXX**/does not provide a full account # Amount alleged to be owed {$1800.00}
09/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19139	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to the Credit Bureaus and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. They haven't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the account I am not connected to. QUAL AST REC ( Original Creditor : XXXX XXXX XXXX XXXX ) QARXXXXXXXX Balance : {$1300.00}
04/03/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 19114	Web
I was contacted in writing by QUALITY ASSET RECOVERY in XX/XX/XXXX that a {$710.00} ambulance from XX/XX/XXXX bill was sent to them for collection. I contacted the Quality Asset Recovery promptly and stated this had to of been an oversight and to let me resubmit to insurance for payment. About 30 days passed and I was contacted on XX/XX/XXXX. I was told that the insurance company paid all but {$140.00} and could I make payment which I arranged to have paid on a credit card on XX/XX/XXXX. On XX/XX/XXXX I was checking my credit report and saw that QAR reported he {$710.00} as uncollected debt with a status of " in collection '' on XX/XX/XXXX. This is ridiculous I followed the ruled paid the debt and they didn't even give me and opportunity to make good on it. Totally unfair. I did contact Quality and they stated it will be removed from my credit report in 45 days. I am skeptical. Not only id this lower my credit score but I am was in the process of shopping for a mortgage and this has hurt
01/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
On XX/XX/XXXX I had my credit run and on the report there was a Collection Item. Quality Asset Recovery in the amount of {$1700.00} with a date of XX/XX/XXXX. In an attempt to get this item removed from my credit, I contacted Quality Asset Recovery to find out who this money is owed. I talked to XXXX XXXX at ext. XXXX, she told me it belonged to XXXX XXXX XXXX and had a service date of XX/XX/XXXX. I then looked up XXXX XXXX XXXX to find out which doctor I may have seen in XX/XX/XXXX. It was Dr. XXXX XXXX. I can't imagine why I would have a bill in this amount when I have always held medical insurance. I have made many attempts to contact his offices. He had two offices. One in XXXX, PA and the other in XXXX, PA. The phone continues to ring with no answer, no voicemail and/or I receive a busy signal. I have not been able to confirm that this debt is accurate. I've come to learn that this doctor had his license revoked. How can I handle having this collection removed from my credit report?
03/05/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Quality Asset Recovery, LL sent me a collections letter on XX/XX/XXXX stating that I owed their company {$3000.00} for their XXXX XXXX XXXX. It is apparently an old lease agreement from XX/XX/XXXX. The entire management staff no longer works at the apartments and the apartment complex had no knowledge of this debt. I requested documentation concerning the debt because to my knowledge I did not owe this company any money. I received copy of the old lease with revised financial account statement. On the statement dates, payment amounts, charges, and reasons are clearly fraudulently altered. I have requested that this debt be removed from my credit report but collections activity has continued to occur. I was also informed that this account was purchased by this debt collector, it is not valid and I wanted to report the illegal activity of this company, and I would also like for this debt to be removed from My credit because I do not owe this company any money. Thank you ~XXXX XXXX~
08/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web
Company : Quality Assett Revovery Collection Date : XX/XX/2018 Account # XXXX I disputed this with Quality Assett Revovery before it even got to collections and explained to them that I was not treated at that hospital on numerous of occasions. I also disputed it twice with XXXX Credit with them saying the consumer disagree. So finally I sent Quality Assett Recovery two Validation Of Debt letters via mail asking what proof that was me I never gave them my social security number or date of birth better off even my name. I never signed any discharge papers or anything all I did was sit in a room and with the doctor and nurses came in there I denied and never said anything to them I ignored them. Under The Fair Debt Collection Practice Act I have the right to request proof that it was me being treated and the police sent me there against my free will I wasn't hurt or I never asked to go there. so I feel as if the Police Department should get billed because they forced me to go.
11/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08046	Web
I VISITED WITH MY XXXX DOCTOR A YEAR AGO, XX/XX/XXXX. AT THIS TIME, I WAS NOT INSURE. I SELF PAY FOR THE XXXX VISIT. UNFORTUNATELY, I WILL BILLED XXXX DOLLARS. I WAS ERR FOR NOR FOLLOWING-UP WITH XXXX XXXX TO INQUIRE ABOUT THE DEBT..HOWEVER, NOT LONG, I RECEIVED A LETTER FROM QAR RECOVERY ABOUT THIS DEBT. I GOT FURIOUS NOW AND CALL XXXX XXXX BILLING OFFICE. I SPOKE WITH A REPRESENTATIVE AND INFORM THEM THAT I SELF PAY FOR THE VISIT AND IT IS THE POLICY OF XXXX XXXX TO REDUCE THE PRICE WHEN THE PATIENT IS SELF-PAYING. THE REPRESENTATIVE AGREES AND APOLOGIZE AND THEN REMOVED THE OUTSTANDING BALANCE FROM MY ACCOUNT. I ALSO CALL QAR AND EXPLAINED TO THEM THE ISSUE AND THEY INFORMED ME THAT THEY WILL LOOK INTO IT. THIS ISSUE HAS BEEN RESOLVE FOR OVER A YEAR NOW. LAST WEEK, I RECEIVED A NOTICE ABOUT A CHANGE IN MY CREDIT HISTORY FROM MY CREDIT PROVIDED. WHEN I CHECKED, IT WAS XXXX.I TAKE MY CREDIT VERY SERIOUSLY AND I AM VERY CONCERN AS TO WHY THEY HAVE PUT THIS ON MY ACCOUNT.
10/25/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 080XX	Web
The agreement was an auto finance loan for a 2009 XXXX XXXX, under the terms and condition of no credit check no credit involved leasing agreement of {$300.00} every two weeks payment installments. I have proof of my payments on the vehicle. Unfortunately the vehicle suffered from a car accident and did not recover also the insurance did not cover the total expenses. The car was totaled & the lessor of the car ( XXXX XXXX ) is upset and is now attempting to collect a debt on my credit. Breaching the contract that we agreed upon there is nothing in the contract about unfortunate and unintentional car accidents but there was an agreement to have no involvement with my credit. I asked for a copy of the contract they would not present one to me I understand that they're upset but it's not my fault that the car insurance would not cover the total damage of the car. I'm willing to make payment installments but i refuse to continue to be a part of this impasse.
01/14/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 080XX	Web
HIPAA Violation : I did not give authorization, written or verbally to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that releases my PHI to them. If an electronic transfer was conducted then they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also, they need to provide a copy of their BUSINESS ASSOCIATES AGREEMENT ( BAA ) outlining their responsibilities to the covered entity pertaining to 45CFR 164.504 ( e ). QUALITY ASSET RECOVERY needs to prove the accuracy of the amount alleged to be owed by providing a full accounting in accordance with G.A.A.P. I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points. ALL correspondence is to be considered evidentiary. Alleged account XXXX**** my report does not provide a full acct # Alleged amount owed {$120.00}
11/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08723	Web
Account number : XXXX*XXXX.1 XXXX XXXX DOB XX/XX/XXXX XXXX XXXX I had an XXXX done at your XXXX NJ facility on XX/XX/XXXX. I entered into a payment arrangement with your facility when I received my first bill. I have been paying the agreed upon amount every month since XX/XX/XXXX. I found out today that my account was sent to collections. When I called, I was told that it went to collections because of a " bad " address. I moved to a new home sometime after the procedure was done and after the payment arrangement was made. There is no reason I should be put into collections because I moved. I was told by your people that it is out of our control. Dues to your actions my credit score dropped 82 points. This is unacceptable and needs to be rectified with the credit agencies immediately. XXXX XXXX Cc : Federal Trade Commision Quaility Asset Recovery I have called QAR and XXXX XXXX numerous times and do not even get a call back from XXXX XXXX XXXX
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29340	Web	Servicemember
XXXX XXXX XXXX have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Security Credit Services is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy.. 15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
08/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 088XX	Web	Servicemember
Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX and XXXX finally removed the negative accounts on my report. Unfortunately, XXXX has been refuse to remove the accounts and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, by the way, there are multiple accounts, all with the above mentioned collection, so I am now contacting the CFPB because I need all those collection out of my credit report, they are affecting me a lot.
12/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 075XX	Web
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these Credit Reporting Agencies as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
07/31/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 26101	Web	Servicemember
Hello, filed a previous complaint in which they denied abusive behavior. Anyway, QAR of New Jersey sent a pdf file containing original contract in XXXX and then a subsequent agreement from XX/XX/XXXX of me agreeing to pay {$25.00} a month with a check #. This agreement apparently resets the collection account but the {$25.00} payment was not subtracted. More importantly, QAR even responded that debt was reset to XX/XX/XXXX but are reporting debt as of XX/XX/XXXX scheduled to be removed XX/XX/XXXX. This is an attemp to re-age old debt. If the new statute starts in XX/XX/XXXX then it goes for 10 years in WV but only allowed on credit report for 7 years and it is currently listed as 2 months old. Ive asked company to reflect their inaccurate reporting and thus far they havent. If you could intervene I would appreciate it. I am just asking for it to be reported accurately.
10/06/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 07201	Web
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there?
08/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19805	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this QUALITY ASSET RECOVERY ( Original creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
04/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78704	Web
Debt Collection account was opened XX/XX/2021. I have not been notified of this debt by Quality Asset Recovery LLC. I sent a letter to verify and validate this debt XX/XX/2021. It was received XX/XX/2021. There was no response. I then sent a follow up letter informing them that they have failed to validate this debt with me or notify me of this debt in writing of any sort within the allotted 30 days, sent XX/XX/XXXX and was received XX/XX/XXXX. ( ALL Mail Sent by me via Certified Mail ) ( No mail or letter sent from Quality Asset Recovery to me ) Quality Asset Recovery has not notified me once or contacted me once in regards to this debt, opened now 3 months ago, which is a violation of the Fair Debt Collection Practices Act. They also failed to validate this debt when prompted within the allotted 30 days, which is also a violation of the FDCPA.
06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 088XX	Web	Servicemember
Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX and XXXX finally removed the unknown accounts from my report. Unfortunately, XXXX has been refuse to remove an account and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, so I am now contacting the CFPB because I need this collection account out of my credit report, it is affecting me a lot.
10/11/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	PA 19139	Web
I was in a lease agreement at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was in a XXXX XXXXXXXX situation living in the property which the property manager was aware about. I stayed until my lease was over and I had a past due balance which was paid in full prior to me leaving. I tried to go back to my email receipts which the property manager sent me on XX/XX/XXXX stating that I was paid in full and now I'm not able to access the emails at all, it's now saying " This message can not be loaded '' as if it was tampered with. I've also reached out to the property numerous of times regarding this issue leaving voicemails and constantly calling throughout the days with no contact back. I'm very concerned with this issue because it's affecting my credit report and the last interaction I've had with this property ; I was in good standing.
03/07/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77005	Web
On XX/XX/2017, I was contacted my Quality Asset Recovery LLC about a medical debt that I can afford to pay but I am actively disputing in court ( the XXXX 's office has already been served with notice to appear in court and I'm assuming they put this into collections as retaliation ). The representative refused to tell me where she was calling from or why she was calling before I confirmed the personal information she already knew about me, which I eventually did after she declined to identify herself repeatedly. Eventually she told me I had an outstanding debt that I needed to pay and threatened multiple times that if I didn't pay it, it would affect my XXXX XXXX. When I finally got her to tell me, I learned representative 's name was XXXX XXXX. She made sure to threaten my XXXX XXXX one last time before she hung up.
09/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77080	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that QUALITY ASSET RECOVERY would verify the debt. So I took it upon myself to ask QUALITY ASSET RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
01/01/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web	Older American
Have repeatedly contacted this billing company to get them to bill medicare as the secondary insurer, not primary. Was told it was a surprise bill by XXXX and we did not need to pay any of it. It was a coordination of benefits XXXX between XXXX and medicare as they billed medicare as primary and both refused to pay. I fixed the medicare end and they rebilled XXXX and collected over {$130.00} contracted part of the bill. I keep calling their billing office and telling them to bill medicare. They do not know what they are doing and have sent me 6 bills already. I could have ignored it as a surprise bill, but I worked to get them paid. I paid premiums to Medicare Part B and husband 's XXXX for over {$1000.00} per month. They need to bill Medicare. NOW THEY HAVE PUT ME INTO COLLECTIONS with Quality Asset Recovery LLC.
04/06/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07087	Web
On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.
08/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Web
I sent the collection agency on XX/XX/18 a 30 day notice to respond, A Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. No response was giving .... On XX/XX/18 I also sent a HIPPA validation letter that also got NO response. My most recent letter do to the NON responses was another follow up letter on XX/XX/18. I also have contacted the credit bureaus XXXX, XXXX which I asked what method was used to verify this account and both has notified me that the debt has been verified without any proof according to the law to provide evidence as each individual is required to do so submitting evidence to dispute. XXXX actions was my evidence the debt didnt belong to me because they removed the collection account do to it unverified status.
01/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 080XX	Web
My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into
03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 163XX	Web
Hello, I am making a formal complaint about the Quality Asset Recovery company. There are 2 claims. One for XXXX and the other for XXXX. The time of service was XX/XX/2015. During that time, we had XXXX XXXX XXXX through my husband 's work. I called the hospital making the debt, they said it was a wrong code. I called the doctors office, they said it was the hospital 's fault. I called the QAR department, they never told me I could file a dispute. I also called the HR department at my husband 's work. I was told that if the QAR had told me it could be resolved earlier, it could be, but they never did. This claim is for a XXXX XXXX XXXX XXXX I had because I XXXX XXXX XXXX. A XXXX. A necessary procedure. I had insurance. I am trying to buy a house and this is on my credit report.!
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08054	Web
On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to Quality Asset Recovery in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. On XX/XX/XXXX XXXX XXXX XXXX Bank and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
05/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 07304	Web
This collection agency report me as joint account for medical bill for {$3800.00}, i never sign any papers the person was my wife, she applied for XXXX XXXX at that time cz she was nor working and they appeoved her case We never received any bill at our home adress In XX/XX/XXXX the collection agenct report it as unpaid charges to my credit report, i spoke with them many times they wont understand In XX/XX/XXXX they posted again for the same amount and there was no changes whatsoever I dispute it with XXXX and they said is accurate and the update was made for some changes which not true.this is a medical bill Since XX/XX/XXXX and i was not present or sign any papers to take responsibility, she did everything through charity care and even the bill was too much for emergency room
10/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 077XX	Web
I ran a credit report through XXXX on XXXX/XXXX/XXXX. To my surprise, I found I had a balance due from XXXX accounts from Quality Asset Recovery ( QAR ). On XXXX/XXXX/XXXX I had received a letter from QAR stating my balance was {$0.00} on XXXX accounts as noted in attached documentation. Around the end of XXXX XXXX, I had called QAR to arrange a payment plan for my debt of {$2500.00}. Myself QAR agreed to make XXXX ( XXXX ) {$620.00} payments ( totaling {$1800.00} ) as you will see in attached checking account statements provided. I have not notified QAR as to my findings and I am asking for your help to resolve my concern with my credit report stating I still have a balance with QAR of {$1400.00} ( {$310.00} for XXXX account and {$1100.00} for another account ).
11/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 185XX	Web
QUALITY ASSET RECOVERY has been contacting for a long time about medical bills that are not mine. I have been disputing these accounts for a long time. More recently, on XX/XX/XXXX, i disputed both accounts reporting on my credit. One in the amount of {$1500.00} and the other {$1000.00}. On XXXX XXXX, i disputed again after disputes came back verified. I asked for method of verification. I have not received any word or feedback. The times i have called them to dispute, they refused. The rep was extremely NASTY AND VERBALLY ABUSIVE TO ME AND REFUSED TO TRANSFER MY CALL TO A SUPERVISOR. AT THIS POINT I NEED THE DEBTS REMOVED FROM MY CREDIT REPORT AND ALSO ALL CONTACT FROM THEM CEASED DUE TO THE ABUSE I'VE UNDERGONE. OTHERWISE, I PLAN TO SEEK COUNSEL AND SUE THEM.
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	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.
08/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web
Quality Asset Revovery LLC XXXX XXXX XXXX # XXXX XXXX, NJ XXXX Date XX/XX/XXXX case was open Date claim I owe {$380.00} Represented by XXXX XXXX XXXX I sent a debt validation XX/XX/XXXX requesting in 30days UNDER THE FAIR DEBT COLLECTION PRACTICEB ACT [ 15 USC 1692g Sec. 809 ( b ) ] which I have the right to request proof that I'm indeed the party, how they get my social security #, and my signature on the release papers that they claimed I was treated at that hospital and I never recieved treatment there. I request that they show documents and they haven't sent them yet. I am sending out more letter I just need help because they still reporting it to the three major Credit Bureaus after I sent the Debt Validation Letter.
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18018	Web
I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.
08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08002	Web	Servicemember
XX/XX/2018 : Certified letter received by XXXX, from myself, requesting physical verification of the account listed on my credit report from collector : QUALITY ASSET RECOVERY My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. XX/XX/2018 : Dispute results received from XXXX stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from XXXX that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
07/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19805	Web
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 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.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NJ XXXXX	Web
I am XXXX XXXX XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( QUALITY ASSET RECOVERY L {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
12/30/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NJ XXXXX	Web
The XXXX XXXX XXXX called me to arrange the debt that allways increased and the reson was the amount of my copay was XXXX and I allways been charged XXXX every visit. I paid XX/XX/XXXX XXXX dollars and I told the lady to charge XXXX every month in which they never did and put in to collection. Qar llc sent me a letter in which I put my credit card information with XXXX dollars again, received several calls from QAR LLC and they asked my own information and using profanity language because I dont gave my personal information from stranger callers. Now I open my credit information and see 3 collections with different amounts that I dont owe that amount.
09/07/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 08104	Web
HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from QUALITY ASSET RECOVERY and XXXX XXXX XXXX SYSTEM.The results of these investigations stated that the accounts were verified as accurate. I want either or both companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. Acct # XXXX I am not disputing or asking for verification, so I DO NOT want to see a copy of a bill or an invoice stating what is owed. I know my rights under the FCRA and the FDCPA and I am willing to seek further legal action if necessary.
09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY XXXXX	Web
I disputed this account with Quality Asset Recovery on XX/XX/2019. The company failed to respond, and never responded. I sent them a follow up letter of their default on XX/XX/2019. Again the company failed to respond and the items were removed and deleted as per section 609. The company has re reported this negative item on my credit file on XX/XX/2019while I am looking for a home. This will eventually result in my homelessness and I am going to take action in the court. I can sue {$1000.00} and up, per item per reporting. I also receive calls all day every day and have finally found the culprit behind these calls. That is harassment.
02/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 078XX	Web
I found out via my credit reports that there was a collection account being reported to my otherwise perfect credit. I had never heard of this collection agency and never heard of the medical practice that was referenced in the credit report. I was a victim of identity theft and reported this to the credit bureaus plus the dispute of this foreign medical debt. Ive never received any notice of any bill or collection from this company - ever. I called the collection company to dispute this with them, but paid the extortion monies to repair my credit ( even though I still have no idea what this debt is or who these people are ).
08/30/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NJ 08816	Web
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information. This company continues to contact without any proof or validity of the debt.
07/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33614	Web
I lived in an apartment in NJ and the thermostat was not working properly. We requested on several occasions for someone to fix because our electric bill was running around {$800.00} due to the ancient equipment. They refused to do any type of maintenance which would have been covered under the lease so we had no choice but to give a written 45 days notice. We knew they were going to keep our security deposit. Some time later we received a statement indicating we owed money for things that were needing fixed that were not true. We do not owe anything to this company and I have been disputing this for some time now.
05/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32746	Web	Servicemember
QUALITY ASSET RECOVERY XXXX : When me my wife were relocating to Florida, we informed our landlord XXXX XXXX as we did not stay in the apartment for the final month of lease to keep our deposit as final rent and they agreed. Unfortunately, the leasing company still sent us to collections. We did not receive anything in the mail or receive any correspondence regarding anything. We moved to Florida to be closer to my XXXX XXXX and we had no choice but to move. We thought all our bills were handled and closed the door to Jersey. They did not keep to their word and did not kept the deposit without any issue.
03/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07306	Web
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! Please assist so that I will not have to pay for legal help in this matter.
07/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	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 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
05/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19148	Web
I noticed the reporting on my credit report back in 2021 and i thought it maybe due to error so i disputed the collection and it came back verified and i requested the steps of verification because i know i dont owe the debt and am not familiar i never received any of documents of steps for verification only a copy of a bill which isnt allowed and violation of my hippa rights i believe it may be due to fraud of identity being used i request on these basis it be deleted and hasnt i demand this be deleted off my credit file and to stop causing me negative damage to my finances.
10/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
SECOND REQUEST!!!! Company is refusing to remove the item from my credit reports. The item is a valid identity theft issue and the company refuses to validate this account which is also a violation of the fair credit reporting act. I want signatures and social security numbers, address or else I will be forwarding this to a consumer attorney to sue them directly. You also never mailed me the first collection letter giving me the opportunity to contest this collector account. You have violated my rights in three different ways and I will continue to fight this legally!!!!!!!
04/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 075XX	Web
XX/XX/XXXX XXXX - Invoice paid and should have never been reported to collection or the credit bureaus. Account # XXXX in the amount of {$580.00} XX/XX/XXXX - Quality Asset - medical invoice not mine and should not be reported to the credit bureaus. Account # XXXX in the amount of {$140.00} XX/XX/XXXX- Quality Asset Recovery- invoice doesn't belong to me and should not be reported to the credit companies. Account # XXXX in the amount of {$100.00} XX/XX/XXXX- Quality Asset Recovery- invoice not mine and should not be reported to me. account # XXXX in the amount of {$100.00}
01/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77004	Web
Quality Asset Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Quality Asset Recovery is in violation of the consumer laws and I am requesting that this account is deleted from my credit report.
08/22/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NJ 080XX	Web
QAR debt collection agency I received a letter from a previous employer for an attempt to collect tuition reimbursement. Never received notice from my employer that money was owed. My payment was not due until XX/XX/19. I sent in documents that I felt I was not responsible to pay. Also, the check was mailed out on the XX/XX/XXXX never cashed called my bank to verify, and had to cancel payment I was charged XXXX to do that. I filed a complaint through the XX/XX/XXXX and company told them the check was cashed it never was. My case number with them was XXXX.
08/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08816	Web
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information.
04/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 150XX	Web
I have previously submitted a complaint with this company, they have stated they would delete the trade line, and they still have not done so, on XX/XX/2019, I have paid the original creditor, XXXX XXXX in XXXX PA, the amount of {$20.00}, since this has been paid, and the trade line was not deleted or updated in any way, I do believe Quality Asset Recovery LLC is attempting to commit fraud, and I will also be filing a complaint with the Pennsylvania State Attorney Generals office, as well as pursuing criminal and civil charges against the company
08/30/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08816	Web
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. They are reporting this false information.
01/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	RI 02895	Web
I called XXXX XXXX XXXX in Pennsylvania, and it took a while for them to get the bill paid, but it was resolved. However, it hit collections already and I contacted the debt collector and sent them the account number as proof that it was paid to an email, they have given me. I am on ssi so I don't know why I have a medical bill in collections in the first place. I called the debt collector again and they said they have no notes about the email i sent. I am trying to get this off of my credit because it's been long enough.
04/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07302	Web	Servicemember
The date : XX/XX/2019 Amount : {$1500.00} There is a medical debt in dispute between myself and my XXXX XXXX office. The debt eventually went to debt collection agency after failed attempt to resolve with the XXXX XXXX office. The collector put it on my credit, without sending me validation letter. I have evidence showing the debt is paid in full by my insurance company. The image of cashed check obtained from insurance company, and the billing report from XXXX XXXX office prove that the debt is fully paid.
02/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08104	Web
I have a debt on my credit report from Quality Assest Recovery. I had it removed from my XXXX Report in 2015. I contacted my Insurance company about any bills the originator XXXX XXXX XXXX submitted to my health Insurance and My provider assured me that I had no claims with XXXX XXXX with patient Responsibility. I do not know if this is an attempt to get me to pay a balance that their contract will not allow them to receive from XXXX XXXX or what. I have not been able to get information.
08/18/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33143	Web
This medical company violated my rights under the HIPPA LAW sold and shared my medical history information with various parties. They also shared my medical information with various credit bureaus and they know my medical history. The hospital was not so suppose to bill me because the visit was under a charity program. This charity program pays the hospital visits in full. Moreover, my medical history is being sold and passed around to different creditors.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08104	Web
Quality Asset Recovery LLC account # XXXX amount due : {$3300.00} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.
08/28/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08816	Web
Do you have a contract proving that these accounts held me contractually liable to pay to your company? Please provide any contract that you have. This is in violation of my consumer rights and the FDCPA/Federal Rules of Civil Procedures. This is also in violation of HIPAA law to report. Please consider this final notice and remove any entries on my credit. I have no knowledge of have any contractual obligations to you or your company.
02/20/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07304	Web
I have repeatedly requested that Quality Asset Recovery provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
06/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10462	Web
I was not aware of this collection which I recently noticed on my credit report. I was never contacted regarding this collection by Quality Asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. QUALITY ASSET RECOVERY XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$440.00} {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
06/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10462	Web
I was not aware of this collection which I recently noticed on my credit report. I was never contacted regarding this collection by Quality asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. QUALITY ASSET RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX $ XXXX/ {$440.00} - XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
01/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07003	Web
XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.
06/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19148	Web
The debt was deleted off my credit file and has been reinstated today showing on my file i have proven time again its not my debt my information was fraudulent used i have written, disputed, filed reports and notified the collector and credit bureaus. This item needs to be off my file and with new laws not reporting medical debt on those grounds it should not be on my report. This is violation to my rights.
03/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07017	Web
{$120.00}, {$810.00}, {$960.00}, are medical collections that have not been verified to which maybe in violation of the HIPAA laws. Through various and numerous times no one has sent me to prove these accounts are owed and are mine. I've sent letters and no one has contacted me but told the credit bureaus it was verified without giving me proof. So these 3 medical collection is harmful to my credit.
05/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20744	Web
My medical provider had trouble collecting payment for insoles from my insurance. The debt was paid in full by me in XX/XX/XXXX. Despite the fact that no debt is owed Quality asset Recovery continues to report the debt as being in collections. This was disputed with the credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. They keep reporting the debt and causing significant impact to my credit.
11/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11510	Web
i went to check my XXXX XXXX report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 1.XXXX XXXX XXXX in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3.quality asset recovery L in the amount of {$1100.00} 4.XXXX XXXX in the amount of {$1000.00}
12/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
Third Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached. I have also included my attorney on this case again because the collector is violated the fcra laws and is refusing to remove the collection account from my credit reports. My attorney below will be handling this case going forward
09/23/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NC 27705	Web
QAR are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. QAR are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by QAR pursuant to 15 USC 1692k civil liability.
09/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19067	Web
Quality Asset Recovery ( QAR ) repeatedly calls my house but ask for a different person ( same last name incorrect first name ). Then QAR reports to XXXX that I have a {$1500.00} Installment loan which they claim originated in XX/XX/2015. I have never taken out any installment debt of any kind. This debt is someone else 's, yet they claim the debt is mine and now my credit is ruined.
04/09/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33029	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 450XX	Web	Servicemember
I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12208	Web
In XXXX i got notification that i was in collections from credit bureau. I disputed with transunion and XXXX who since removed it from my report. I also disputed with XXXX and it came back verified but with no proof. I have no knowledge of company quality asset. This is harming me and I requested it being removed for the lack of proof i requested over a month ago.
06/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19131	Web
On XX/XX/2021 I sent a certified debt validation letter to Quality Asset Recovery concerning a collection account I observed on my credit report. The deadline for their response has come and they have failed to validate this debt. According to the Fair Credit Reporting Act, this company is not allowed to report a debt that has not been validated.
08/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 19111	Web
Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good. I would like Quality Assets to provide consent of dialing mobile phone number.
08/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07018	Web
Please see attached, I looked at my credit report & saw this account on my report that was inaccurate, I sent out numerous requests to the debt collector and credit bureau to reinvest this account with no success. Im in the process of buying a home for my family & this item on my credit report is hindering me.
12/17/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07047	Web
I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years old.
11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08527	Web
I visited XXXX XXXX XXXX on XX/XX/22 and XX/XX/22. Both times I paid my co-pay of {$62.00} through their patient portal. However, I have received repeated collections notices. I have disputed them and contacted XXXX XXXX, who confirmed that their is no debt owed, however, I keep receiving these notices.
10/13/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07017	Web
After speaking with my previous insurance provider I was informed that the amount that quality asset recovery is attempting to collect is inaccurate. I am now once again requesting that this collection agency display the original bill in document form. Account # XXXX Inaccurate amount {$380.00}
04/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 12601	Web
No validation notice was sent to address violations of FTCPA QUALITY ASSET RECOVERY Was already disputed and remove from XXXX XXXX credit report. Sending me a pass due amount of {$5200.00} thats have been already resolve due to code violation report number XXXX on my credit report
02/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 163XX	Web
I, XXXX XXXX, filed a direct dispute with XXXX against my false collection account with Quality Asset Recovery. I told them that insurance had paid that original medical bill. They verified that was accurate, yet did not remove the collection account from my credit report.
10/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08527	Web
I got an XXXX XXXX at XXXX XXXX XXXX. On XX/XX/2022, I paid the {$62.00} owed after insurance. On XX/XX/2022, I received a letter informing me that my debt had been sent to a collections agency ( Quality Asset Recovery LLC ), despite the fact that I have already paid it.
03/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07017	Web
After contacting my health provider it has been indicated that the amount paid is incorrect by the collection agency. Therefore I am asking this collection agency to provided the original bill for the services recieved by the original creditor XXXX XXXX XXXX Hospital.
02/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
Constantly getting calls from Quality Asset Recovery. XXXX. I do have debts, but none are in collections, and have a credit score above XXXX. All of my bills/debts get paid on time. No matter what I do or say, they continue to call and harass. I just want it to stop.
09/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 080XX	Web
This is a medical bill collections. But, my health insurance company covers ALL medical costs at 100 %, no matter the procedure, what the visit is for, etc. I DO NOT owe this money. My insurance COVERS IT. I tried to dispute through XXXX and nothing was done about it.
02/22/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07040	Web
I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.
06/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29340	Web
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
06/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29341	Web
XXXX certified debt verification letter sent to Quality Asset Recovery. As of XXXX, I have not heard from them regarding the debt verification but they are still attempting to collect on the debt. Even listed it as two separate debts on XXXX.
12/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 14606	Web
I have never received a validation of this debt or a HIPA consent with my signature on it I requested 4 times validation of this information and this information is also reported on my credit report, which is another FCRA violation.
07/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 323XX	Web
Quality Asset Recovery reported that owed three amounts {$980.00}, {$960.00} and {$940.00} for medical bills for XXXX XXXX XXXX service to the Credit Bureau that caused my credit score to drop. These bills have been paid.
04/10/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07017	Web
I submitted and disputed this medical dept saying that is owed. I submitted validation letters and they deleted everyone but this one in the amount of {$440.00}. I'm not responsible as proof has yet to be submitted.
08/24/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 086XX	Web
Have had numerous phone calls to my house when pick up no one there at all would like someone to send me information if I owe a debt from this company and stop phone calls to my home! Sincerely XXXX XXXX
03/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30067	Web
Quality Asset Recovery ... # XXXX hasn't sent any correspondence in regards to this debt or responded to letters i've sent. Quality Asset Recovery isn't bonded to collect debt in Georgia.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28211	Web
I have been contacting Quality Asset Recovery to verify the debts of the said creditor ( XXXX XXXX XXXX ) for several months. I have not received any notification or proof of owed debt.
10/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 075XX	Web
I have a medical bill from the bureau name Qual Ast Rec for the amount of {$890.00}. I don't recall this debt. I don't have the date but the age of the account is 4 years and 6 months.
11/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19063	Web
XX/XX/2018 {$2700.00} Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,
11/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 072XX	Web
I have no knowledge of this account. I never received any notifications about this account. This is listed as medical and it violates HIPPA and I want this removed asap.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 072XX	Web
I have never received anything in regards to this account. I have no knowledge of this account. I have tried contacting this company and have received no response.
08/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08816	Web
The following amounts are showing up on my credit report. I have no knowledge about this company and never dealt with it. {$290.00} {$520.00} {$440.00}
01/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 109XX	Web
hello I called the creditor so many times but keep reporting it to XXXX while it supposes to go to workers compensation there is nothing to do with me
01/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08081	Web
Debt was paid at least a year ago to creditor. Tried to straighten this out through XXXX XXXX, but collector refuses to remove debt from credit report.
09/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 777XX	Web
I contacted the company by certified mail to validate the debt. The company never responded to my letter. No type of communication was made.
11/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
04/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29016	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 323XX	Web
Quality Asset Recovery is trying to collect a debt from me that does not belong to me. Date opened : XX/XX/2019 Account # XXXX
04/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10453	Web
Quality Asset Recovery is listed on my credit report and trying to collect an amount of {$2000.00}, I was not aware of this
01/02/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ XXXXX	Web
Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. thanks XXXX
08/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Web
A verification letter was sent by mail on XX/XX/XXXX. The collection agency did not respond.
12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web
I already paid XXXX on XX/XX/22 to QAR with my XXXX XXXX Conformation # XXXX ok
07/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08021	Web
These accounts do not belong to me. Please remove it from my credit file.
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NJ 07006	Web
As of XX/XX/2013, the amount is XXXX. I was a student living in Maryland.
01/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10467	Web
I am not aware of this debt and I should not be liable for it.
03/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 150XX	Web
I have paid the original creditor the full amount of the debt
11/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07087	Web
creditor agreed to remove accounts.
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08618	Web
I keep receiving harassing calls
01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 11372	Web

01/08/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77053	Web

10/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19464	Web

10/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 77043	Referral

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19020	Web

05/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08260	Web

04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07002	Phone

03/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07065	Web

03/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07018	Web

02/28/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08035	Web

02/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07018	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web	Servicemember

02/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web	Servicemember

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07029	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29229	Web

11/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DE 19904	Web

09/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07050	Web

08/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08043	Phone	Older American

07/12/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 11434	Web

06/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08065	Phone

06/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92394	Web

06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08844	Web

04/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07018	Web

04/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34609	Web

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19121	Web

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77077	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19022	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19022	Web

02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08010	Web

02/21/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 190XX	Web

02/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07065	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33034	Web

01/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07083	Web	Older American

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29341	Postal mail

11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web

11/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07017	Web

10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19122	Web

10/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07018	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web

09/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11233	Web

09/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11429	Web

08/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08854	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19122	Web

08/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Referral

08/14/2021	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	NJ 07050	Web

06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11354	Web

06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11233	Web

06/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07050	Web

06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45342	Web

05/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07901	Web

04/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29063	Postal mail

04/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11542	Web

04/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07018	Web

04/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19064	Web

02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08540	Web

01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19152	Web

01/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07001	Web

01/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07470	Referral

11/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07304	Fax

11/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Fax

11/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Fax

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07740	Fax

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

08/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

07/31/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web

07/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07083	Fax

05/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20782	Web

04/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07305	Web

04/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07305	Web

04/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33604	Web	Servicemember

04/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78744	Postal mail

03/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76543	Web	Servicemember

12/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18018	Web

12/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07470	Web

10/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 07304	Web

10/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 07304	Web

09/14/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77489	Web

09/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08081	Postal mail

08/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10306	Postal mail

07/31/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07017	Web

07/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79414	Postal mail

07/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08046	Referral

07/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web

07/03/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 08088	Web

06/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Referral

05/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30909	Web

05/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33610	Web

03/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10036	Postal mail

02/23/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08021	Web

01/31/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07039	Web

01/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07111	Postal mail

01/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18510	Web

01/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 18447	Web

11/18/2018	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	NJ 07112	Web

11/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08234	Phone

10/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08701	Web

09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08879	Fax

08/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07458	Fax

07/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10009	Web

07/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07747	Web

07/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web

06/24/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 07205	Web

06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08080	Referral

05/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07086	Referral

05/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08080	Web

05/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07093	Referral

04/12/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07304	Web

03/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 20147	Web	Servicemember

03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07114	Fax

03/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 08081	Web

03/15/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls		Phone

01/18/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33547	Web	Older American

01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07740	Fax

11/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08810	Web

10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08810	Web

07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06492	Web

07/16/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07305	Web

07/14/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20906	Web

07/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08015	Web

07/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08550	Web

06/26/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33170	Phone

06/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07070	Phone

05/15/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07747	Phone

03/25/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19054	Web	Servicemember

03/11/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08066	Web

03/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08226	Referral

02/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07093	Referral

01/25/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07305	Web

01/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17113	Web

01/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 08611	Web

11/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 08034	Referral

09/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07305	Web

07/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07719	Referral

07/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07305	Referral

06/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07047	Web

04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 19809	Web

03/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 07458	Web

02/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08691	Web

02/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19335	Web

01/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08031	Phone	Older American

12/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33138	Postal mail

09/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08505	Web

09/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	DE 19720	Web

06/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07307	Web

01/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07003	Web

01/13/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29036	Web

12/23/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07631	Web

11/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10509	Web

09/20/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07030	Web

09/16/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NJ 07306	Web

07/23/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NJ 07748	Phone

05/02/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08619	Phone	Older American

04/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08012	Web

02/14/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08701	Referral

02/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07740	Web

01/31/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07730	Postal mail

01/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08618	Web

01/29/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	NJ 08094	Web

10/31/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 08021	Phone

10/19/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07302	Web

10/17/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07304	Web

09/26/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33449	Web