| 09/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Im writing this complaint to request a review and correction of the alleged derogatory information that violates my rights as a consumer.
The above collection agency contacted me on XX/XX/XXXX to collect a debt that they believe I owe.
Rockford Mercantile Agency stated in their request that I owe to XXXX XXXX XXXX {$620.00} in which is now past due and placed with them for collection.
On XX/XX/XXXX I submitted my request to validate a debt to Rockford Mercantile Agency and requested to provide me with a proof that debt is valid and Im financially responsible for the above debt.
I reviewed all my records and I found that back in XX/XX/XXXX I had an office visit with XXXX XXXX XXXX and I paid off all medical bills that I owed between XX/XX/XXXX and XX/XX/XXXX. Since XX/XX/XXXX, I have not been contacted by the above creditor about unpaid debt In response to my request, Rockford Mercantile Agency provided me with a copy of itemized billing statement that show that I owe {$620.00} to the above creditor and this debt have not been paid. The above agency did not fully verified unpaid debt and did not provide any additional information as a proof of their validation of debt. Instead they disclosed without my consent my medical records from XXXX XXXX XXXX and violated my rights as consumer according to Fair Credit Reporting Act. They did not provide any proof that they licensed to collect a debt in state of Illinois and proof of last payment that has been made on the account.
The above agency reported derogatory information to all consumer reporting agencies XXXX XXXX, and XXXX and violated Fair Debt Collections Practicing Act, Section 809 ( b ) validating debt. The debt of first delinquency on my report is not accurate. I do not owe any debt anything to the above creditor since XX/XX/XXXX.
Moreover, I disputed the above debt with original creditor XXXX XXXX XXXX and advised them to review and verified their records of my payments that made towards unpaid debt.
|
| 05/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.
|
| 02/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted from a debt collector ( XXXX XXXX XXXX ) back in XXXX of XXXX regarding a number of outstanding medical bills. I asked for verification of the charges with statements from the providers. One of them was sent and I paid via phone with a debit card to the collection agency. The other ( XXXX XXXX XXXX ) has not been able to produce a statement for verification of the charges.
These charges are back from XX/XX/XXXX of XXXX and I do not recall ever seeing any requests for payment from them or the collections agency until I was contacted back in XXXX or XXXX. I requested statements and have yet to receive anything on this. This debt has been reported as delinquent on my credit report, but I have just recently become aware of this.
|
| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX and XXXX agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX and XXXX credit reports but, XXXX continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.
|
| 01/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received notification from Rockford Mercantile Agency in XXXX, IL in XX/XX/XXXX stating I owed {$150.00} to my former leasing company. However, this debt was paid off in XXXX. I called Rockford Mercantile and spoke with someone name XXXX, before the 30 day time frame was up, and they said I could send them a receipt to their email. I sent the receipt and never got a response that they received it. On XX/XX/XXXX, the collection was reported to my credit. On XX/XX/XXXX, I sent a letter offering to pay a settlement to get this removed from my score. I have yet to receive a response, however, they re-reported the debt on XX/XX/XXXX.
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Incorrect personal information and billing.
Incorrect phone number.
Incorrect address.
Incorrect ethnicity.
Incorrect age.
Incorrect name.
For bill amount of {$2000.00} XXXX XXXX started XX/XX/XXXX This is now effecting my credit score.
I have given multiple attempts to dispute charge and call/email company to resolve this matter.
Last attempt to call company was earlier this evening @ XXXX XX/XX/XXXX.
|
| 04/19/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has placed an account in collections that is not mine. I have never heard of the company and do not owe this debt.
|
| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/04/2016 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/23/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/28/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|