| 09/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company is reporting to my credit report twice for the same debt. ( see attached ). This is a violation of FCRA and the Texas Finance Code 392.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).
The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.
Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 07/16/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 08/25/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.
This company did not provide a copy of its surety bond as they stated in compliant XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
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| 09/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 03/30/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.
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| 04/03/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On XX/XX/2018 I received a phone call from XXXX from XXXX with Receivable Solutions Specialists , Inc. saying ( 1st phone call ever and never received an invoice of dept ) : " Good morning this message is for XXXX XXXX my name is XXXX calling in regards to a personal business matter. Will you please return the call at XXXX ext. XXXX. Your reference number is XXXX thank you. '' It appears when speaking to them on XX/XX/2018 Supervisor XXXX advise me that the bill was pulled from XXXX XXXX XXXX in the amount of {$31.00} and should have never been acted upon on calling me. I received another call from XXXX and left another message advise me to call her. I call back to XXXX spoke to Supervisor XXXX advise me that the bill was pulled from collection and she will call the billing department to check into this matter closely and send me out a bill in which I never received before. She then threaten me that this will go onto my credit report. This bill was paid and I should not own any other dept from an automobile accident. Why did it take them so many years to contact me about a {$31.00} bill that the auto insurance company has taken care of. Please look into this matter because it appears to be threatening to me for someone who tells me that this will damage my credit rating and as a consumer I was not advise of this bill until XX/XX/2018.
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| 01/22/2016 |
No |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XX/XX/XXXX or XX/XX/XXXX, I received a collections call from Receivable Solutions out of XXXX, XXXX regarding a medical bill. As I have had health insurance my entire life and there was no reason I should be receiving a bill ( co-pay was made at the time of service ), I contacted my insurance carrier to clarify. XXXX XXXX XXXX XXXX XXXX XXXX informed me that a medical provider from XXXX XXXX XXXX failed to timely bill my insurance for services and that the provider could not bill me for the service under the terms of their contract with XXXX. I relayed this information to the debt collector who understood and ceased attempting to contact me. Many years later ( coincidentally, after the statue for any fair debt collection action I may have against them ran ), they began periodically contacting me again and the debt continues to be reported to the credit bureaus. Because they have documented ownership of the debt, the bureaus will not remove the collection. I assume they do nothing to investigate my claims that the original debt is invalid. This company is unlawfully attempting to collect a debt against the terms of their contract with my previous insurer.
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| 07/01/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The credit agency, Receivable Solutions Specialists, Inc has not only tried to collect a debt I do not owe they have filed a report against me with the XXXX major credit bureaus. This has negatively impacted my credit. The debt belongs to my adult son. He is on my insurance but I am not responsible for his medical bills per the XXXX. I notified the agency of this but they are still sending bills in my name. I have never signed anything that I would assume responsibility for the debt.
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| 06/19/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned.
Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.
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| 02/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.
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| 04/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have an account on my credit from RSSI # XXXX in the amount of {$95.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
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| 08/08/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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account # XXXX I have contacted Receivable Solution account # XXXX. I have provided them my legal name and social ending in XXXX, birth date XXXX. They can not give me any more information due to fact that my social and birth date does not match, but this still show up on my XXXX credit report, debt does not belong to me.
Phone # XXXX
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| 08/15/2016 |
No |
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- Communication tactics
- Called outside of 8am-9pm
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Web |
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I called several times to pay my debt. I emailed as well. No one ever answered the phone or returned calls when messages were left. Thankfully I was able to pay thru the original creditor. I was trying to verify that the company was in fact real, and not a scan before I just mailed a check.
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| 10/13/2015 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I was contacted by a debt collector XXXX for medical services. I moved out of state and did not receive bills for the medical treatment. I was unaware I owed this money. Now I 've been sent to collections for {$50.00}. Is there any way I can get this paid and removed from my credit report?
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| 07/22/2015 |
No |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have never received any form of documentation from this company stating I owe a debt. I found this collection item on my credit report. I contacted XXXX and they stated they had the wrong address in their system. I have been going to XXXX for years, I am not sure how that happened.
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| 03/24/2016 |
No |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
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| 05/02/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.
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| 06/12/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods
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| 10/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was told if I paid the collection amounts in FULL, that the creditor would remove the collection accounts from my credit report. I paid the total amount in full on XX/XX/18 in the amount of {$630.00}.
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| 08/08/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This account is not mine. I was a victim of identity theft.
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| 11/06/2018 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Phone |
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| 05/12/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 06/26/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Postal mail |
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| 04/11/2017 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 03/23/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 11/15/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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| 08/05/2016 |
No |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 08/01/2016 |
No |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 06/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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| 04/21/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 03/16/2015 |
No |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 01/03/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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| 08/03/2014 |
No |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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| 12/10/2013 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 11/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Postal mail |
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