Retail Merchants Associates CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/15/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75061	Web
Dear Sir or Madam, XXXX. XXXX Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I am writing to file a complaint regarding a medical collection for {$350.00} from a collection agency called RETAIL MERCHANT ASSOCIATES, with account number XXXX. I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore. Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from RETAIL MERCHANT ASSOCIATES, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score. As per the HIPAA law, medical information is considered private and confidential. However, RETAIL MERCHANT ASSOCIATES has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, RETAIL MERCHANT ASSOCIATES has reported my debt, which is unfair and unjustified. I kindly request that you investigate this matter and take appropriate action against RETAIL MERCHANT ASSOCIATES. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}
03/15/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA XXXXX	Web
I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a collection account on my XXXX credit report amounting to {$220.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. XXXX XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXXasking again for proper validation of this debt, but instead of verifying the debt, XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Retail Merchant Associates did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
08/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71106	Web
On XX/XX/XXXX a collection was placed ony account by retail merchants association with a debt of {$940.00} they stated I owed to the city of XXXX XXXX XXXX. I spoke with XXXX today XX/XX/XXXX to see why because at the time when this occured I was a minor and I had insurance. She stated XX/XX/XXXX is when they sent the collection to the agency not when the XXXX ride occured. She stated I filled out information in the XXXX back then which I informed her I could n't have I was a minor. She stated my mother must 've filled it out wrong but my mother never came to the hospital and I never did see a doctor. So she said " if I would 've answered the phone back then they could 've helped me ''. I told her I was a minor and no one answers strange numbers. I told her I do remember telling a representative I was in school during a call an she stated " you remember that from five years ago you must have some good memory ''. She kept stating what I should 've done but I told her I was a minor and she stated you kept hanging up you should 've talked to us. She refused to listen to what I had to say. No paper work was ever filled out.
01/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web
I have disputed previously disputed with this company regarding the 2 collections they have for me. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. Both accounts were removed. The accounts have been placed on my credit reports yet again only this time they changed the account number and the amount. I disputed it with the credit bureaus They sent a letter to me indicating that they would once again attempt to validate with the original creditor however they told the credit bureau that it had been validated which is not true. They told me one thing but told the credit bureau another. To date, they have not provided any documentation to me that shows this debt is validate. They are NOT my accounts. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the amounts and account numbers to place this back on my credit report is a violation. Account number XXXX and XXXX.
10/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71105	Web
I have been trying to pay off bills and collections since XX/XX/2016 in hopes of purchasing a home for my child and myself to call home. I have not been able to get a student loan off my credit report with a balance of over XXXX. The student loan was transferred over to a different company. this company transferred over back on XXXX, payments are being made every month out of my account and on my credit report it is showing that I have a student loan outstanding amount of XXXX which keeps my credit score down. I have disputed and can't seem to get this off my credit score. why is it that when something negative is reported on my credit report, my score drops 30 to 40 points and when something positive is noted the score only goes up like 6 to 11 points? I am beginning to think I am being discriminated against with the report of the credit reporting system. Some of my co-workers have credit scores of XXXX or more, some of which have gone through chapter XXXX 's and car loans, etc. but have a score of XXXX and buying a home.
01/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA XXXXX	Web
I am disputing this collection account with CFPB concerning Retail merchant Association placing a collection account on my XXXX credit report. I recently sent Retail Merchant Association a letter asking for validation of the alleged debt amounting to {$10.00}. Retail Merchant Association did not provide any documents or evidence to validate the account, but instead gave me a print out of the bill. This company kept this account on my XXXX credit report despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, Retail Merchant Association did not provide any documents or evidence to validate the account. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71118	Web
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Retail Merchants for {$1000.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Retail Merchants did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$1000.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
05/12/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	DE 19904	Web
There was an ORAL TRADE FOR LABOR agreement between myself and XXXX XXXX XXXX back almost XXXX years ago now for an exchange of labor services for XXXX work. He let me do ALL of his XXXX work in exchange for no bills promised on XXXX work and sent me to collection almost ten years later. I 've notified the Credit Bureau of Louisiana that the debt is invalid as I never agreed nor signed to any charges what so ever with XXXX XXXX XXXX ( nor would I have ever agree to pay his prices in the first place, I was a broke college kid ). They sent me a copy of what looked to be a Word Document with no signature proof, no verbal proof and no authorization from me what so ever for authorization of a charge/contract. The credit bureaus have been removing this, and the CBOFLA keeps adding it back on after it has been disputed off, which is illegal as well as far as I 'm aware. CBOFLA is the Credit Bureau of Louisiana for reference.
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 710XX	Web
I received XXXX calls today about an XXXX XXXX payday loan that I did not apply for. The first caller said it was back in XXXX, the XXXX caller said that it was in XXXX for the amount of {$1900.00}. I explained to the XXXX that I never took out a loan with XXXXXXXX XXXX nor have I ever tried. I told him I only owe XXXX debt and that is with XXXX check cashing, and he became very belligerent and and said that you owe them so I'm going to go ahead and file this claim against you and hung up in my face. I do not remember his name or hers but the phone number they called from is XXXX. There is a XXXX in XXXX XXXX with the same exact name as I have and she has been all over my credit reports. I looked her up a few years back and tried to tell her that her debts are on my report and she hung up on me. I would like to report all of this today.
07/20/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76016	Web	Servicemember
Credit Bureau of Louisiana added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before the collections were reported. Credit Bureau of Louisiana put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I reported this to the XXXX and Credit Bureau of Louisiana responded that they allegedly sent a letter to an obscure address and because it did not come back, they can assume I received it. It was not sent by certified mail, which would give them actual grounds to say I received such a letter.
09/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MT 59101	Web	Servicemember
This organization called I love my Freedom ( ilovemyfreedom.org ) from Minnesota sells you shirts and other XXXX XXXX. If you purchase something in checkout your automatically enrolled in a monthly T-shirt Trial that you never asked for and have to pay for it. I tells you can cancel it but they never do cancel it. you continue to get your credit card charged. you contact them and they say they have high volume and will get back to you in 48 hours.When they contact you back they tell you there looking into it and then never gets back to you. Even if you send an email to cancel it never gets canceled. Someone needs to look into this problem because many are losing the battle with them as I am.
08/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 711XX	Web
Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for an unpaid debt with an apartment complex. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to retail merchant association and letters sent out to the company, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine, only a statement saying that its mine. no evidence whatsoever. I also sent a letter via USPS to all reporting credit bureaus regarding this matter. I have yet to receive documentation proving that this debt is indeed mine.
11/19/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21202	Web
I filed a dispute via the credit reporting agency asking to receive a detailed account of my medical bill from XXXX XXXX. I received 2 bills from XXXX XXXX just after I was treated which outlined in detail the services I received. I paid those promptly. Months later, I received the {$850.00} bill from the collection agency. I disputed asking for a detailed, line item receipt of the services I was being charged for as I feel is my right, but was never provided that information. Yes, I did contact the hospital for that information, no information was forwarded to me, nor could they tell me exactly what this charge is for. Regards.
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71111	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71111	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 714XX	Web
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$440.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$1700.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$250.00} RETAIL MERCHT ASSOC XXXX in the amount of {$100.00}
12/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 711XX	Web	Servicemember
I have several delinquent accounts being reported on my credit report. I have full medical coverage, I don't even recall going to the doctor as much. I notified Medicare, Medicaid, and AETNA, all 3 insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. Godspeed
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 714XX	Web
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00}
03/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 711XX	Web
Retail Merchant association claims I owe them two separate amounts of XXXX and XXXX.I have sent certified letters requesting this creditor to validate debt. I have asked for billing and documentation with my signature and any all proof that this debt is owed to them. They have failed to do so and will not remove the debt from my credit report. Retail Merchant Association is failing to cooperate with me to validate this debt. Furthermore, this item is being reported as medical collection debt which is a HIPPA violation.
04/28/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76123	Web
I had auto withdrawal set up for my account when i moved i was not informed that my last month would not be automatically withdrawn. I received a called from the collection company saying i owed one month. I informed that had to be incorrect and called the apartment complex. I then called the collector back and informed i had no knowledge that i owed and would pay for delete the agent agreed and even faxed a statement over informing this. I paid and they will not delete off my credit report.
08/20/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 710XX	Web
Statement date XXXX/XXXX/XXXX XXXX XXXX - XXXX noted an old debt in collects of $XXXX.XXXX was transferred to a current bill. This bill was paid on until it was recently turned over to collection again at $XXXX.XXXX, XXXX/XXXX/XXXX. They have turned me over to collections twice for the same debt. When Retail Merchants Association, Inc. was contacted about this by XXXX and XXXX XXXX, they stated that this was the correct debit and it remained on my credit as unpaid debt.
01/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71107	Web
Retails Merchant Association has a collection on my credit report for a debt that was paid as a result of a lawsuit by my attorneys. I have filed several disputes ; however, they continue to say the debt is accurate and refuses to remove the false collections off my report. Further, they harass me by continually calling to collect a debt that's already been paid to the original creditor. This debt needs to be removed and the phone calls need to cease.
09/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75087	Web
There is a collection on my credit reports for {$1500.00} that is not mine. I have disputed, and my dispute was denied. The company is called Retail Merchant Association. They have refused to send me any documentation, and they claim the original creditor is an XXXX XXXX in the XXXX of XXXX. I have never been in an ambulance in my life, nor have I ever been to the XXXX of XXXX. I need this resolved please.
01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	LA 710XX	Web
I myself have never had anything to do with my credit score. I myself have not created my own debt. My mother XXXX XXXX XXXX used my social security number for different financial accounts and things and now my credit is bad and im in debt. The only thing im responsible for on my credit report is what I owe to the XXXXXXXX XXXX XXXX. Everything else was done by my mother without my knowledge or consent.
05/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
01/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33196	Web
On XX/XX/XXXX I visited XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX, Florida / Phone : XXXX ) where I received services and paid the amount of {$58.00} ( see attached receipt ). On XX/XX/XXXX the mentioned merchant charges XXXX without my consent and authorization, I called them and they said they " realized '' they forgot to charge the correct price at the moment. This is a total fraud!
05/02/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
05/02/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
05/02/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/27/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71106	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/27/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71106	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/02/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71118	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/02/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71118	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/02/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71118	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71112	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
06/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 710XX	Web
I was reviewing my XXXX credit report that's when I noticed a collection for {$1300.00} from XXXX XXXX XXXX XXXX in which it was turned over to Retail Merchants Ass from XX/XX/XXXX during Pandemic. I remember going in XXXX XX/XX/XXXX from my job but was supposed to have been paid by insurance company. I have a XXXX XXXX XXXX and secondary XXXX XXXX i do not receive bills at all
03/16/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
05/14/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 711XX	Web
I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX
10/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 711XX	Web	Older American
after checking my report I found this Inaccurate information.XXXX XXXX for the amount of {$220.00} dated XX/XX/XXXX XXXX Also, Credit Bureau Dated on XX/XX/XXXX for {$5100.00} another from XXXX XXXX Hospital for {$77.00} all of those are inaccurate because I have had XXXX and XXXX XXXX XXXX please remove these Incarcerate filed.
01/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 711XX	Web
I was charged XXXX for an XXXX ride to a local hospital. Although I never received written notifications from the city of XXXX, I researched myself and paid my bill in full on XX/XX/2022 using my XXXX XXXX card. Retail merchants association is refusing to remove this collection and also refusing to acknowledge that it was paid.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75604	Web
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from RETAIL MERCHANTS ASSOCIATION
03/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71118	Web
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
08/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71118	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
02/08/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
I did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. Account # XXXX RETAIL MERCHANT ASSOCIATES
04/27/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 710XX	Web
XXXX XXXX for the amount of {$3000.00} XXXX XXXX for amount of {$740.00} This company is persistent with contacting me when I informed them I am not the debtor.
01/25/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.
05/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 711XX	Web
I did not authorized an ambulance to transport me to the emergency room I did not sign any paper work
10/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 71112	Web
The debt has been paid and the company continues to report a balance on my credit report.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 711XX	Web
XXXX XXXX was paid in full. Please remove from my credit report.
02/05/2024	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75056	Web

01/26/2024	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75056	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06106	Web

06/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71107	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33154	Web

05/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71118	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70043	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71220	Web

02/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

02/02/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 71111	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71108	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71115	Web

01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71129	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71105	Web

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web

12/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71118	Web

07/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 71463	Web

05/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19709	Phone	Older American

04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76001	Web

03/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71119	Web

02/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web

01/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 71129	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 71129	Web

01/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71129	Web

07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78520	Web

12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Phone

09/14/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71107	Web

09/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71108	Web

09/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71129	Web

09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71105	Web

08/31/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71119	Web

07/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75134	Web	Servicemember

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71108	Web

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71129	Web

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71129	Web

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71106	Web

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71109	Web

03/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71106	Web

03/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71107	Web

01/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 710XX	Web

05/25/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71115	Web

05/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71064	Web

05/06/2019	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	LA 71064	Web

04/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 71118	Web

01/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71108	Web

11/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	LA 70072	Web	Servicemember

08/24/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 71064	Web

07/16/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 71064	Web

01/18/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77066	Web

12/28/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 71108	Web

10/06/2017	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71106	Web

10/05/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71118	Web

09/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70592	Web

06/29/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	AL 36092	Web

06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71108	Web

10/19/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 71101	Web

03/07/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71108	Web

05/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71052	Web

02/01/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 79424	Web

01/15/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	LA 71030	Web

12/30/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71119	Web

12/23/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71119	Web

08/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action		Phone

05/29/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 79423	Web

07/22/2013	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77379	Web