Recovery One, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80124	Web
On XX/XX/18, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. Later I realized the error that the glass wasnt XXXX glass. After much runaround and sending of photos of the windshield, XXXX agreed it was an incorrect windshield and agreed to have it replaced by XXXX or directly by the dealer. The XXXX representative told me if I went to the dealer, it may take weeks to get the {$100.00} reimbursed and I would have to pay the dealer another {$100.00} in the meantime. Together the XXXX representative and I decided the best approach was to place a stop payment on the check and resubmit the payment at the time the windshield was replaced. I had the windshield replaced at the dealer on XX/XX/18 and XXXX paid the dealer the full amount owed. I assumed ( correctly ) that they had waived the {$100.00} deductible for my inconvenience. I never heard anything more about a debt owed to XXXX until I got a call from Recovery One debt collection. The first call was a robo-voicemail that was cut off at the beginning and difficult to understand but I did hear the word XXXX. If they are counting this as an attempt to contact me, that would be an unfair practice. The voicemail would need to be clear and complete for a consumer to be determined to ignore it. I later got a second voicemail from a person to which I responded. This call lasted 1 minute and consisted of a person berading me for the debt I owed. I attempted to tell her that XXXX was aware of and agreed to the stop payment and that she should go back to them to confirm. She responded, loudly and firmly Im not XXXX and I have a right after 30 days to send this to Collections and thats what Im going to do and she hung up the phone. I tried many time to call back but she refused to answer her phone and there was no voicemail. Since the call was recorded I hope you can hear first-hand how she treated me. I called XXXX back and they apologized profusely, agreed the {$100.00} was waived and said they would pull it from Collections. My issues are twofold. 1 ) I need assurance that temporary record of a collection will not become part of my credit record. 2 ) I want to ensure nobody else has to go through what I did. I pay my debts and and have a perfect credit rating. But indebted consumers have many reasons why they might not be able to repay a debit on time. Those people are probably already downtrodden and embarrassed and stressed. If they take the time to respond to a call such as the one I received, they should be treated with respect and dignity. I agree with debtors being held accountable but nobody deserves to be demeaned or belittled in the process. Just because the agency has power over the consumer, they have no right to be disrespectful. They should also be required to listen to an explanation and get to the bottom of it rather than say their piece and hang up the phone. In short, they should conduct themselves professionally at all times.
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43223	Web
RECOVERY ONE LLC # XXXX Notice for Proof of Claim Account : RECOVERY ONE LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
12/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80124	Web
Please see Complaint # XXXX-XXXX On XX/XX/XXXX, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue with XXXX to get the correct windshield replaced at the auto dealer, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, Recovery One debt collection. When I returned a voicemail from Recovery One, the representative was extremely rude and belligerent. She gave me no opportunity to explain why there was no debt owed and instead she interrupted, berated me and threatened me that since it was past 30 days, it was going on my credit report. I submitted the above Complaint # XXXX-XXXX because 1 ) I wanted to be sure there was no entry on my credit report since this entire situation was an error and 2 ) I wanted to be sure that the law is followed and debtors are treated by collection agencies with respect and they are provided the opportunity to discuss a debt they are accused of owing. I understand this is stipulated in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Dodd-Frank Act ) which established the CFPB for the purpose of protecting consumers from abusive financial services practices. Recovery One 's response to my complaint # XXXX-XXXX on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' On XX/XX/XXXX I submitted additional feedback via the CFPB to clarify that Recovery One responded to the first part of my complaint ( ensure there is no entry on my credit report ) but not the second ( ensure consumers are treated with respect as mandated by the Dodd Frank Act ). Suddenly, today, XX/XX/XXXX, there is a new entry on my credit report ... a " New Collection '' entered today. I am left to believe this brand new submission is most likely a retaliation from my XX/XX/XXXX feedback. This is clearly an improper use of my credit report, utilized to further damage me in response to my exercising my rights with the CFPB.
09/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OH 45013	Web
Recovery one had a debt that showed on my credit report which I found to be fraud. In first attempts to contact them to even find out where the debt was from they did n't mini miranda me, refused to answer questions or let me speak with a supervisor and then hung up on me. I called back and spoke with a supervisor she lied and said she heard the convo and that he did mini me, which he did after I mentioned it to him 5 minutes into the convo. I advised her he was rude and unprofessional I advised i wanted ti speak with someone higher than her and she said she would maybe try anf have someone call back next week and that didnt set right with me so I hung up. I was in communication with the company the debt originated from after that and they put in an order with recovery one to remove the debt from my report due to fraud as I am attempting to buy a home, and this is the only hold up. It had been two weeks and I contacted recovery one again to see what the issue was, the guy first states that its not in his office he ca n't help and that it will take up to 120 days to be removed I advised I didnt have that kind of time. I asked if i could deal with someone in this office because the other office was rude and unprofessional and he rudely asked what they supposedly did I tried to explain and he said there was nothing he could do and dont know what to tell me. I advised him i want to speak with a supervisor in his office he kept dodging the question and told me he will get me the number to the othet office. Then i advised i read reviews online and the company had nothing but bad reviews he got even ruder and said yeah the thing about debts is noone wants to pay them i advised this is fraud though and i really need it resolved and i understand becausr i actually do student loan collections and he said thats way different i said yes i know because we actually get ourr money. Then i asked him four times for the number he said you know what if youre so professional and know so much about debt handle it yourself and hung up. I tried to call back and couldnt get anyone on the phone.
05/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to 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. Regards, XXXX XXXX
09/11/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20853	Web
Recovery One Address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX called me from a masked number XXXX She claimed that we owed XXXX XXXXXXXX XXXX XXXX an amount around {$250.00} from XXXX of 2018. No proof was ever provided by Recovery One or XXXX XXXX as we paid at the time of replacement. No attempt was ever made before XX/XX/XXXX this year. No communication was ever attempted. When I mentioned this Ms. XXXX 's response was " guess you never check email or open letters. '' I replied that no letters or emails have been received. I said we needed proof or would not pay any debt. Her response was " then I'll put it on your credit and ruin it. '' When I tried to call back the calls were never returned. Not once. I called the main number and they transferred and hung up, denied I had the right number and won't return any calls. To be clear several aspects of the FDCPA ( 15 U.S.C. 1692 to 1692p ) have likely been violated by Recovery One. Listed below. place telephone calls to you without identifying the caller as a bill collector. communicate false credit information, such as failing to state that you dispute a debt. harm or threaten to harm you, another person, or your or another persons reputation or property. A debt collectors first communication with you must tell you that he or she is attempting to collect a debt and that any information obtained from you will be used for that purpose. In subsequent communications, the collector must tell you his or her and the collection agencys name. Not one of these above mentioned parts of the law were followed by Recovery One. I ask for immediate relief from these illegal tactics by Recovery One. Thank you, XXXX XXXX XXXX
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32809	Web
Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. Recovery One - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. XXXX XXXX- I have TWO credit accounts from XXXX XXXX XXXX XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. I call to remove closed accounts from my credit but those companies do not anything. I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
01/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43054	Web
To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, RECOVERY ONE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of XXXX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. RECOVERY ONE LLC* is held liable as well for defamation and in the state of XXXX a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with XXXX LAW. I also believe that this business is not registered to operate in the state of XXXX. I expect this collection account to be removed from my credit report. RECOVERY ONE LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
04/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30052	Web
I entered into an agreement with XXXX XXXX and there was an error between myself and my creditor XXXX XXXX. They initially forwarded the account to Recovery One , LLC. I have since spoken with a manager at XXXX XXXX, XXXX, and spoke to her regarding the account. XXXX accepted the full payment of {$600.00} on XX/XX/2021 to resolve the account, withdrew it from the 3rd party agency, Recovery One , LLC and INSTRUCTED THEM TO DELETE the reporting from my credit reports. Instead the company updated the credit report to read, 'paid ' as if I had agreed to any contract with them and paid on THEIR contract. I called repeatedly to resolve this issue with their supervisor, XXXX XXXX, with no return call. I've called a few times and spoke with a woman named XXXX, who eventually stopped answering my calls and simply starting forwarding the calls to voicemail. I finally spoke with a woman who calls herself Mrs. XXXX, who suggested I 'give it a whirl ' when I informed her that the account was updated rather than deleted and I needed to speak XXXX XXXX XXXX Recovery 's resistance to correct their reporting. XXXX, the manager of XXXX XXXX called Recovery One LLC again on XX/XX/2021 to instruct them that the account was withdrawn and should be deleted with no response from their company. I resorted to beginning with this initial complaint to ensue a paper trail prior to further action
10/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28562	Web
To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY ONE LLC failed to give me my " XXXX-XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RECOVERY ONE LLC is held liable as well for defamation and in the state of NORTH CAROLINA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with NORTH CAROLINA LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. RECOVERY ONE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
07/24/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 352XX	Web
We purchased windows from XXXX XXXX in XX/XX/XXXX, and paid a deposit of 50 % of the cost. We were charged extra to remove and replace the shutters on the windows. After completion there were several windows that did not have locks and that were poorly installed. Broken glass was scattered all over our yard and not cleaned up. Our shutters were damaged, replaced incorrectly, the paint was scraped and shutters will not close. XXXX XXXX promised to correct all of the problems. They have not. We have made several appointments in which they failed to show up, or did not have the right materials. We took time off of work to meet them. On XX/XX/XXXX we agreed to pay an additional 30 %, and that we would pay for the clean up and the shutters. In the last few months we have been contacted by Recovery One, spoofing my daughter 's, husband 's and work 's numbers. In other words, I have answered the phone expecting my daughter, work or husband, and instead the creditor is on the line. We have asked both the debt collector and XXXX XXXX to stop the calls and yet the calls continue. Today caller ID showed my daughter 's number, and instead " XXXX XXXX '' was on the line. She stated, " We are filing suit against you. Your wages will be garnished. Pay for your windows! Pay for your windows. '' she then hung up on me
06/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web
Because of a clerical error in the interaction between XXXX XXXX and our auto insurance company, XXXX XXXX, an old bill was sent by XXXX to a debt collector, Recovery One LLC. Once I realized the problem I cleared up the issue on a conference call between XXXX and XXXX XXXX, and XXXX recalled the debt from Recovery One. However, the debt collection calls from XXXX XXXX never stopped, with multiple calls per day, and recently added harassment of my wife. It has been over a month since Recovery One should have received notice from XXXX and the calls continue. Repeated attempts to inform Recovery One that the issue was resolved have been rebuffed, requests to be transferred to a supervisor for resolution have been denied, and Ive been further threatened that failure to resolve the debt with them may result in reporting to credit agencies. Insisting on more information, even additional information to identify themselves ( even just the city and state of their company ) resulted in immediate termination of the call. XXXX has been positive and responsive, and so has XXXX XXXX. Recovery One is the only one at fault and their tactics, threats, rudeness, and failure to provide a process for resolution in such a situation is utterly inexcusable.
02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 622XX	Web
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Recovery One LLC XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 431XX	Web
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$330.00} with XXXX credit reporting agencies, I requested verification of debt and account however the business failed to provide adequate proof. considering the business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof I am not obligated to pay for the alleged debt. account # XXXX I made a request for the recording of the call you stated I made, and I want to see a signed contract. I can get online right now and make this same letter that you submitted in this claim. If you are unable to show me proof that this is me, I ask that you remove it. This is not my account. This account complaint is over 496 days old, and you have yet to show me any proof. Please submit to me either the recording of the call you claim that I made regarding payment or a signed contract. If you are unable to produce these, with the request already being over 496 days old, I again, request this be removed from my credit as there is no validity to it.
01/24/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30342	Web
I checked my credit report today to find a negative credit on there in the amount of XXXX issued by recovery one debt collector. The following address is what is on my credit report. XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX. After calling the company to find out it was in debt to a XXXX XXXX XXXX, I asked how the debt was issued on my credit report since it belonged to a corporation that I worked for. I was then tranfered to a XXXX who i'm assuming is a manager, when I asked him about it, how it got on my credit report and also if he was showing a personal guarantee, he told me he could not share any paper work with me and that i would have to contact the company. I told him that they issued this against my credit report and I would like an answer if he had the paperwork to prove that I personally owed the money. I was then hung up on. Not sure how I am suppose to handle this when fraudulent activities are put against my credit report and the company holding the debt can not provide paperwork. Thank you for your time.
06/26/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44118	Web
Perhaps this was some debt incurred by someone other than myself, unsure to be exact. This is regarding a company by the name of Recovery One, supposedly opened XX/XX/XXXX. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made by myself. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. The new laws are very explicit regarding All Debts now especially those causing adverse effects on my life. XXXX Credit Bureau is known to not validate/accurately verify debt disputed per formal XXXX XXXXXXXX XXXX. Tried calling the company to handle matter but they threatened to take me to court verbally and have me detained, and wages garnished. I called to discuss this and all they did was beraid me/threaten me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.
08/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95821	Web
XX/XX/2023 or around this date I received a notice from Recovery One. Notice date is XX/XX/2023. XXXX forwarded a debt under my name to recovery One ( A debt Collection company ) and they claimed that check I issued was Non-sufficient. I did not have any transactions with XXXX, the check maybe under my name and my residential address because XXXX XXXX is sending promotional checks for me to use for anything, under my credit card. Our mailboxes were broken and all our mails were stolen several times in XX/XX/2023 and XX/XX/2023. XXXX did not send me a letter, billing department said they were calling me but they had the wrong number. A letter would be much better if they can not reach me by phone SO I CAN DISPUTE earlier. The Invoice # XXXX, billing dept said it is not under my name but the check payment was mine. Possible because my mails were stolen. I did not get the name of the account from XXXX. I do not want to pay them {$520.00} and now Recovery One is asking for Police Report. Thank you.
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TN 37087	Web
XXXX with Recovery One has called me many times in the past months from tapping into my inlaws phone nubmers as well as other deceiving phone numbersShe and her staff have been harassing and threatening to me multiple timesI have been making payments on the amount owed. I told her today I would make a payment of {$500.00} on Friday and she could go ahead and take the pre payment today and hung up on me told me to never call back again she would just sue me. I am working towards paying off the debt as much as I can but I have received no cooperation from this company. Only hateful phone calls! I am hung up on and threatened with a lein on my home, being sued, calling all my family members as well as personal friends. I have not been told when they call me they are with a debt collector to collect a debt either. I want to continue to finish out my payments with good standing. I want to pay the account in full as soon as I can. I am having no luck with this company and no cooperation.
12/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43230	Web
Please substantiate your claims regarding information RECOVERY ONE LLC. transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within thirty days. Additionally include documentation which shows that RECOVERY ONE LLC complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from RECOVERY ONE LLC to the credit bureaus should be deemed discrepant and may indicate RECOVERY ONE LLC desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
03/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43147	Web
I entered into a payment plan of XXXX payments. Upon making the second payment, the company ( XXXX XXXX XXXX located in XXXX, OH ) with malice intent to defraud me, placed the account into collections in an effort to collect the debt again. I spoke with a representative from the collection agency ( Recovery One XXXX XXXX XXXX XXXX ) and told them this account was paid in full on XXXX/XXXX/2016 and to check with their client. I have since received XXXX phone calls and a mailing date XXXX/XXXX/16 from the collection agent demanding payment for this account. XXXX acknowledged receipt of my payment, however they continue to refuse to remove the account from collections despite this account being paid in full. XXXX has an F rating with the XXXX Ohio. In reading other people 's complaints, it appears this company willfully attempts to defraud others as well.
09/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28390	Web	Older American
Account Name RECOVERY ONE LLC Open Date : XX/XX/2014 Balance : {$4200.00} This, " supposed '' debt that is reflecting on my credit files is totally an unfounded claim. This matter can easily be resolved by providing " any '' documents reflecting my true valid signature confirming my responsibility for any of these said " due amounts. However, there are none as I stated earlier, this is an unfounded claim of a supposed due debt that I have no clue as to why it has been continually posted. Please note that I filed a dispute via XXXX requesting proof & validation of their claim previously and it was ignored. This is being reported by a company named " Recovery One LLC ''. Your assistance in this matter would be greatly appreciated. Note that this is the only thing ( other than inquiries ) that is burdening my credit file.
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a XXXX car XXXX in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.
03/15/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	VT 05401	Web
at XXXX XXXX EST on XX/XX/XXXX, I received a phone call on my XXXX that said it was from my stepmother XXXX. When I picked up the phone, it was a debt collector who called herself XXXX. When I insisted she tell me how she got my stepmother 's phone number, she refused to answer me and kept talking about a debt I supposedly owe. I asked her twice. She also refused to identify what debt collection she was calling from, then promptly hung up on me. " XXXX '' also left a voice message for me on my stepmother 's phone. XXXX claimed to be leaving a message in regard to wanting authorization to do glass work on my XXXX XXXX XXXX - something I have not asked for. XXXX completely lied. XXXX 's phone number is XXXX. She works for : Recovery One XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Toll Free : XXXX
11/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
I was looking over my credit report today and I noticed that an inaccurate account listed by Recovery One LLC now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. I would also like for recovery One LLC to provide me with a copy of my signature with the original provider giving permission to share my medical information with this company. I have no knowledge of this account so I would like to see original docs including my signature. Please cease any credit bureau reporting until the debt has been validated by me.
01/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33625	Web
On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.
09/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web
Hello, I received a debt collection notice in the mail from Recovery One. The letter claimed I bounced a check written for XXXX XXXX. Recovery One also emailed me a copy of said check. The check was for a Balance transfer line of credit from XXXX XXXX. This was not an account I had opened. Someone was using my personal information to fraudulently open lines of credit. I called XXXX XXXX and confirmed with them that this line of credit was closed and I was advised that I was a victim of identity theft. I advised Recovery One that I was the victim of identity theft and they have not canceled this debt. I am requesting that Recovery One cancel this debt as it is not mine. I am the victim of identity theft.
01/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80124	Web
THIS IS A NEW COMPLAINT Recovery One collections agency continues to fraudulently use my credit report as retaliation for my complaints with CFPB. On XX/XX/XXXX they responded that " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, Recovery One in fact submitted a " New Collection '' on my credit report. They then responded on XX/XX/XXXX " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the item remains on my credit report. Using my credit report as a retaliatory response to my filing complaints with CFPB is fraudulent.
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28562	Web
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXX XXXX- # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.
04/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 655XX	Web
A collection agency located out of XXXX, XXXX, for XXXX XXXX, who refuses to send me documentation on a debt that I do n't owe, or any authorization showing that I enlisted services of this debt that they purchased. I live in XXXX and not in XXXX and I own a XXXX and not a XXXX. The continually call my phone even though I have asked for their exact address in XXXX and they refuse to give it to me. I trie to leave a message for XXXX XXXX ( their supervisor ) yet he refuses to give me their address so I can send a cease and desist letter. They have hung up on me several times when I specifically ask for their address and when I inform them I do n't owe this debt.
10/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 440XX	Web
This woman is Caller ID Spoofing my husband 's cell phone number so I think it is him calling. When I answer she wants me to pay a debt that does not belong to me. She says my husband 's company owes it. I do not know how she even got my number as I am not associated with his company. She has stalked my XXXX page, threatened to sue me, called relentlessly and I have asked her not to call. It 's not my debt. She says she is going to call me every single day until someone takes care of it. She even told me to go steal the checkbook and write them a check!!! I find this pushing collection a little too far!!!
06/23/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 321XX	Web
I was leased on as a XXXX for XXXX out of XXXX KY in XX/XX/XXXX, but due to low pay per mile I terminated my lease with them in late XX/XX/XXXXXX/XX/XXXX (XXXX) filed a debt collection against me for XXXX to Recovery One collection agency from XXXX Ohio.The Recovery One is charging me (my acct number XXXX) XXXX and even though this matter is only in disputing stages they already made inquiries to my credit report without my consent.I have tried to contact the Recovery One and to discuss the charges with rep but conversation went without any progress.Looking for any help or info that I can get.Thank you.
11/06/2016	Yes	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	WA 98032	Web
I received a voicemail from the above mentioned company on XXXX/XXXX/2016 @ XXXX requesting I recontact the caller about a merchant, XXXX. After calling the number provided I only learned they were a debt collector as this was their first attempt at communication. I believe the licensee violated XXXX XXXX XXXX ( XXXX XXXX as their initial communication ( voicemail ) failed to indicate their company name, status as a debt collector, and that they are attempting to collect a debt in the voicemail message.
09/27/2022	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	WA 98201	Web
I'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92345	Web
Collection agent said that I wrote a check to XXXX XXXX from a XXXX XXXX XXXX account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One, XXXX XXXX XXXX
08/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 355XX	Web	Servicemember
I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. XXXX removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race.
01/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33570	Web
I have disputed this debt with recovery one llc on XX/XX/XXXX. I requested a validation of the debt. I never received a response. I again sent a certified letter on XX/XX/XXXX. I did not receive a response again. I contacted all 3 credit bureaus with the dispute. It was removed from my XXXX credit report. I sent another certified restricted letter to recovery one llc for debt validation on XX/XX/XXXX. I still have not received a response.
04/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43213	Web
XXXX XXXX XXXX, Placed a collection notice on my credit for a {$440.00} bill that was paid through XXXX 5 1/2 years ago. They provided no proof and made no attempt to notify me of this false debt. Their actions cost me a refinance on my mortgage of 1.5 %, which they now owe me {$480.00} a month in damages until I can reapply for a refinance. I will give them 2 business days to respond with my first payment before seeking legal action.
03/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 770XX	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
12/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
02/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
04/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
This not a duplicate Complaint. The information attached Recovery One Responded to Complaint # XXXX on XXXX XXXX , 2017. The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to XXXX is still reporting this account.
01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice.
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
I got an email a few months ago from XXXX that this account was added to my report. The company is Recovery One LLC. Not only do I not have any knowledge of this account I was never contracted by mail or phone about owing a debt. I have called, disputed and wrote a letter explaining this is not my debt. Also the date of birth they have in their records for me is not correct.
05/08/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 93611	Web
Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is XXXX
02/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94577	Web
I have disputed this company due to identity theft. Sometime in 2012 some of my boxes went missing while moving in my place my check books were stolen. I have been disputing to all 3 credit bureaus XXXX XXXX and XXXX have removed but now XXXX. XXXX told me to contact Recovery One LLC. I have and have gave them a copy of my police report. But is still there.
05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	OH 43235	Web
this was from XXXX which was a part of my XXXX bill. they 're stating that when i moved even though the service remained in my name and i still have aep they were not able to collect the amount from me. this information is erroneous.XXXX continued to bill me for my electricity but unforunately XXXX did want to remain my energy provider once i moved.
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
05/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43081	Web
I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/XXXX to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : RECOVERY ONE LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
02/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web	Servicemember
Date- 2020 Amount- {$1600.00} Action-Reported to XXXX I have contacted this company and ask for proof of verification more than once and still no response. XXXX removed it for 4 months but replaced it on my credit file in XX/XX/2020. It is not mine and is ruining my financial credit score.
08/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 39042	Web
I initially contacted this company in XXXX of 2020 requesting this company to send me validation of the alleged account. The company has not replied in 60 days. This is a violation of my privacy rights, the FCRA, and the FDCPA.
10/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 456XX	Web	Servicemember
i sent a debt validation letter, on XX/XX/XXXX XXXX requesting validation under the fair debt collection practices act, 15 USC 1692g. the company has not responded to this validation request within the 30 day time frame.
09/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AR 72802	Web
XXXX XXXX ky payed a log book ticket after they fired me then sent the amount to a collection company this company really owes me never pay ed me what they owed me they the collection agency is reportng this to XXXX
04/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30039	Web
XXXX XXXX, 2021 ( 1 yr, 2 mos ) Account status Open Type Unpaid Responsibility Individual Account. Remarks Collection account Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} Closed No Info
05/11/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79605	Web	Servicemember
Recovery one LLC collection agency is not bonded in the state of Texas. Recovery one LLC c a n't legally collect any debt. Please remove from my credit report and confirm the debt is not owed.
06/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77340	Web
Under the hippa law I didnt give this company to disclose my debt to anyone. Furthermore I asked for a validation of debt and they failed to send me one. So I need this removed from my credit
06/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	KY 40701	Web
Hand chip in window, went to XXXX to repairs. According to Kentucky law chip window is covered and pay through the state? Im a resident of kentucky but didnt receive my Kentucky plates yet
12/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
XXXX is reporting collection accounts that do not belong to me. XXXX XXXX XXXX, XXXX XXXX XXXX, and recovery one. By law this is illegal and they must remove them immediately!
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
RECOVERY ONE is claiming that I owe them {$190.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77346	Web
I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.
02/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77520	Web
Debt which is not owed. All equipment was returned to the school. This is not accurate and I want removed off of my personal credit file
01/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43229	Web	Servicemember
Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.
05/26/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77070	Web
This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.
05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 609XX	Web
My ex-wife made the agreement using my name. I'm not responsible for this debt.
06/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
Sent 2 letter certified mail and filed a dispute on XXXX 2 months ago
06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97212	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93727	Web	Servicemember

10/08/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60123	Web

09/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44646	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web

12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30683	Phone

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76105	Web

08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75708	Web

04/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46041	Web

03/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23228	Web

02/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45417	Web

11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33578	Web

11/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34748	Web

10/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 39114	Web

10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39110	Web

09/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 34748	Fax

06/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60484	Web

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

01/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85018	Web

12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web

06/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34786	Phone

08/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23321	Web

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

08/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44485	Web

07/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36360	Web	Servicemember

06/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11575	Web

04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44118	Phone

02/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75137	Web

01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web

09/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94114	Referral

08/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77656	Web

05/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45207	Postal mail

12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77067	Web

11/03/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	WA 98032	Web

06/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33913	Referral

03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92392	Web	Older American

01/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77082	Web

11/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43201	Web

10/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OH 44266	Web

09/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NE 69162	Web

08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28262	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 92121	Web

06/25/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OH 45420	Phone

06/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 17313	Web

05/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89131	Web

04/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21136	Web

03/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 92069	Web

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77498	Web

02/06/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77494	Web

01/23/2015	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	CA 95608	Web

12/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35242	Web

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94803	Web

10/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77079	Web

09/10/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80126	Web

09/03/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 45356	Phone

08/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20707	Web

07/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98107	Web

07/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 45631	Web

07/01/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	TX 77084	Web

06/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78574	Web

03/07/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	OH 43085	Web

02/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06410	Web	Older American

09/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 14604	Phone

07/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	WI 53172	Phone

07/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	AL 36532	Web	Older American, Servicemember