RS Clark and Associates, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. R.S. CLARK AND ASSOC bal. {$130.00} 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75056	Web
To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, R.S. CLARK AND ASSOCIATES You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony. punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST R.S. CLARK AND ASSOCIATES 15 USC 1692c ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and desist all collections activity! regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION Duty : a moral or legal obligation ; a responsibility 15 USC 1681 s-2 Says you R.S. CLARK AND ASSOCIATES, are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if 60 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. ACCOUNT # # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
01/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75010	Web
XXXX XXXX and XXXX has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to XXXX XXXX. XXXX XXXX placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g ( collection agency ) has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to Texas Finance Code Sec. 393.202 the collection agency has repeatedly violated the code below by utilizing the stall tactic in their response letters without providing any validation of the alleged debt. d ) If the third-party debt collector states that there has not been sufficient time to complete an investigation, the third-party debt collector shall immediately : ( 1 ) change the item in the relevant file as requested by the individual ; ( 2 ) send to each person who previously received the report containing the information a notice that is equivalent to a notice under Subsection ( c ) and a copy of the changed report; and ( 3 ) cease collection efforts. ( e ) On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/03/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76112	Web	Servicemember
This Debt Collection Agency already attempted to collect the debt that I disputed with the credit bureau company back in XX/XX/2020. The credit bureau already removed the debt from my credit report because they are demanding an incorrect amount. However, I received another letter from them on XX/XX/2020 saying I once again owe them another XXXX they were previously informed that I do not want any more communication with them other than the disputed amount prior, which that was concluded and i was informed they would not contact me again. however, I just received another letter from them on XX/XX/2020 demanding payment once again. This is violating federal law and they are now harassing me. one of the many reasons the amount they are billing is incorrect is the collection fee and interest that will be determined later. I already stated that they lost their ability to collect on the debt because according to the lease agreement, the apartment complex did not give me 10 days after the final bill to arrange a payment nor providing me sufficient time to dispute the final account bill prior to sending our alleged debt to collections. On XX/XX/2020, I received my final bill via email, and according to the email, it stated " please contact R.S. Clark for payment as we have notified them of your new balance. '' This indicates that they already referred my case for collections prior to me receiving my final bill. This was in complete violation of my contract with the apartment complex. I Recieved another letter that indicates the apartment complex referred my case to collections on XX/XX/2020 and sent me a notice stating we owe {$4400.00} and gave us until XX/XX/2020 to pay that amount. However, we received a letter dated XX/XX/2020, from the collection agency demanded we pay over {$6000.00}, collection fee included. According to section 32.5 of the lease agreement, it states " All unpaid amount you owe, including judgement, bear 18 % interest per year from the due date, compounded annually. You must pay all collection-agency fees if your fail to pay sums due within 10 days after we mail you a letter demanding payment and stating that collection-agency fees will be added if you don't pay all sums by that deadline. '' According to the contract, the apartment complex nor the collection agency can request us to pay collection agency fees until after 10 days from the date of receiving a payment request. However, we received the request from the collection agency within the 10 day period demanding collection fee in around {$1700.00} with 18 % interest TBD. However, because this is in violation of the contract, we do not owe this amount nor are we liable for collections fees or interest charges as we agreed to have at least a 10 day period between the date of payment demand and the additional collection fees being added. The collection agency is dishonest and attempted to collect a debt illegal by demanding an inaccurate debt. We disputed this with them prior back in XXXX, but they refused to remove or correct their mistake. This is only one issue that we have this collection ordeal. We are discussion legal action against the apartments and the collection agency because I already successfully disputed this. Another issue was that they contacted me again about this debt after I informed them on XX/XX/2020 letting them know the following " Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that we do not wish to receive further telephone calls or letters concerning this debt that we already disputed with the original creditor. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). " However, they once again contacted me regarding this debt. Please help me stop them from contacting me as it is now harrassment.
03/14/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 75287	Web	Servicemember
I recently responded to the company 's response to my original complaint ( complaint # XXXX ), but I'm still unclear the charges because of several things and want this matter further investigated. 1. My rent was nowhere near {$1700.00} so why does the statement show that amount? My rent was around {$1100.00}, no more than {$1200.00}. 2. How were the late fees calculated? I gave notice of my move out the end of XX/XX/2014 when I lost my job. I started my new job XX/XX/2014 and moved out the middle of XXXX. My 60 day notice was given so what are the late fees and what are the dates of those late fees? I didn't get evicted because i left after my notice was given. 3. Please explain the reletting fee and how it was calculated and why. It should be calculated only if the landlord was unable to lease the apartment and i know XXXX XXXX is an extremely popular community, even with waiting lists at times, so i doubt leasing the apartment was an issue. When was it re-leased and was the landlord actively trying to rent the apartment? 4. Please send me a copy of the lease I signed. 5. The water and sewer fees are different. At the top of the statement it shows {$50.00} for each utility but at the bottom it shows a different, lesser amount for the same dates of service. I'm not at all satisfied with this statement that " randomly '' appeared after 4 years AND only after i filed a complaint with Consumer Finance 3 days ago! I'm also distraught at the fact that I've disputed the {$12000.00} amount for the last few years with all 3 credit bureaus with no resolution from the collection company or XXXX XXXX other than it showing on my credit report as " correct '' when it wasn't and this was proven today. I knew the amount was incorrect which is why I've disputed it so many times over the last few years but only until i filed complaint # XXXX was anything done to prove what I've known the whole time. I've missed opportunities on potential homes due to the incorrect info on my credit report and feel that the false information that has been showing for years is a direct reflection of the mishandling of this account and complete disregard for me as a consumer! This has stressed me out and I'm utterly disgusted at the way I've been treated and the countless times my requests have been disregarded. I'm not disputing the fact that i owe something but I'm not sure what i truly owe and this situation clearly shows that XXXX XXXX and RS Clark don't know either. If they did know then the {$12000.00} that has been on my credit report would have been found as incorrect a long time ago and NOT randomly today after the complaint was filed! I'm willing to pay what i owe and feel is fair but the {$12000.00} falsely reported on my credit report the last 3 years wasn't fair, the {$6000.00} RS Clark tried to bully me into paying last month when I called them wasn't fair and the {$5700.00} you all have " randomly '' come up with is also unfair! Nor was the ONE missed payment fair that was reported on my credit report last month after i was bullied into paying {$6000.00} to RS Clark ( but refused to do so because i wasn't given a statement even after i asked ) that DROPPED my credit score 40 points!!!!! I want this removed from my credit report due to the inaccuracies then and now!!!! You all can even keep my deposit, I don't want it. I just want this off my credit, a letter saying it's been removed from my credit and my life back. That's it, that's all.
07/28/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76053	Web
I have an unverified account from RS Clark and Associates account # XXXX, for which Ive been previously disputing. I have never done business with RS Clark and Associates and sending letters Ill attached and their responses. Ive even called several times and left messages for their manager only name Ms. XXXX. I never received the proper correspondents nor given the right to challenge or dispute this account before it appeared on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the ownership and legality of this HIPPA Act Violation debt purport that I owe. The account has been in dispute for several months. RS Clark and Associates, who is collecting on behalf of XXXX XXXX XXXX XXXX is required to notify me prior to reporting this account to the credit reporting agencies failed to do so before reporting this derogatory info. Ive repeatedly requested this account validation as well as my given consent only to received insufficient responses and HIPPA Violations detailing services allegedly rendered. Ive never received what I specifically asked for. RS Clark and Associates has broken many laws under the UCC that all notices were timely and properly given by dated certified mail receipt which was not met. First, I never received any correspondence from RS Clark and Associates nor XXXX XXXX XXXX XXXX. I have no known relationship with this company RS Clark and Associates and I am unaware of how they have obtained my personal identifying information without my knowledge and/or consent. Also, neither XXXX XXXX XXXX XXXX nor RS Clark and Associates did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. Also, theyve 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 TX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 owner failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to { {$2500.00} } and can be enforced by the FTC, and that my state attorney general can also enforce this with a { {$1000.00} } penalty as well. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving nor gave my permission for XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allows for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is as follows ; HIPPA Authorization - Cease any credit bureau reporting as Ive tried repeatedly to get RS Clark and Associated to validate this debt by me. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. They've also failed to mark item as previously disputed.
01/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39305	Web
XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XX/XX/XXXX ; a reminder of moveout provided on XX/XX/XXXX and XX/XX/XXXX ; Notified regarding damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately ; Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing notified. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system. Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( s ) report by RS Clarks and Associates. I disputed the information through Credit reporting agencies ( XXXX, XXXXXXXX XXXX, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. FINAL MOVEOUT PAYMENT PROVIDED VIA MONEY ORDER FOR ALL FEES DATED UP UNTIL XX/XX/XXXX UPON MOVEOUT. ALL KEYS AND GATE CARDS WERE TURNED IN PRIOR TO THIS DATE. The letter that RS Clark and Associates supplied on XXXX has false content. The bill they have outlined states that there are late fees from XXXX to XXXX, on XX/XX/XXXX an email was provided time stamping my moveout intentions as well as the handwritten note reminding them in XXXX XXXX for the termination of a month to month lease. The damaged gate card provided by XXXX XXXX in XX/XX/XXXX had a hole in it upon receipt ; the unit was flooded and the carpet was damaged and slit by XXXX XXXX contractors ; my personal property was also damaged by them. RS Clark and Associate personnel XXXX and person by the name of XXXX XXXX listed on credit file as of XX/XX/XXXX. In a dispute dated XXXX RS Clark and Associates stated that " ( 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX - internal records or statements from the original creditor on file confirming the debt is valid, such records could provide proper verification. ( 2 ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - the collector can rely on the creditor 's representations regarding the validity of the debt and must demonstrate the amount sought to be collected matches what the creditor claims is owed '' However, further review of the information they supplied in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX does not specify or entail the information regarding the sufficiency of " internal records or statements ''. RS Clark and Associates misapply the context of this information. The baseless claim and invalidated information do not specify my owing of this debt. In the XXXX complaint and review of my credit file, RS Clark and Associates continue to harass, intimidate, and threaten me through my credit in an attempt to bully me to pay for debt not owed. This company has yet supplied the granted judgment stating I owe this debt after providing factual evidence that these are fabricated costs by XXXX XXXX management and RS Clark and Associates.
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web
This is in response to CFPB complaint XXXX, My name is XXXX XXXX XXXX a federally protected consumer, and I am making the complaint against RS Clark & Associates for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given RS Clark & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with RS Clark & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving RS Clark & Associates any right to collect on this alleged date. It is my belief that RS Clark & Associates is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from RS Clark & Associates before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If RS Clark & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RS Clark and Associates can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and RS Clark & Associates continues its collection efforts I will file for litigation for actual damages caused and RS Clark & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also RS Clark & Associates has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. I refuse to give you all any of my PII or information requested in reaponse to my last complaint because RS Clark and Associates will use it to complete more deception and aggravated identity theft. Since they continue to violated my rights and the law I request for reparations for the damage they have caused to my comsumer report causing it to be unequitable to me.
06/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75043	Web
I called RS Clark and Associates on X/XX/2017 at XXXX. I spoke with XXXX or XXXX at XXXX XXXX. I did n't have a chance to get the correct spelling of her name because she was so busy going off on me. XXXXShe informed me that the has 3 accounts for me, none which I have received validation for. She said that two medical and she did not have validation for those, but I could call XXXX to get validation on those accounts. I am not sure how RS and Clark are collecting on a debt that they can not validate that I owe. XXXXThe 3rd account was with an apartment complex that I lived at over 7 years ago. Its showing I owe almost 5k. I explained to XXXX XXXX, that I have no idea why I would owe that amount. She informed me that she could go over the list of charges with me over the phone, as I am in between homes and I did n't want to miss it in the mail. Plus, I was ready to address why I would owe an apartment complex 5k. I mentioned that I had my pen and paper, so that I could make a list of the item the apartment complex were billing me for. Then I would have a better idea of if I owed them for damages or anything. I left the apartment in the same condition that it was in prior to my move in. I asked XXXX XXXX if the charges she gave me, I knew I did n't incur would I just need to call the apartment complex directly to discuss payment, etc. She rudely responded, " Oh no that is not what you need to do, we have the account and are reporting to your credit '' She kept putting emphasis on them reporting to my credit, as if my world is going to end because they are reporting. I told her, that it reporting was n't the issue, the issue is I do not owe any 5k. I wanted to know if I was supposed to seek legal counsel or what I needed to do to resolve this collection I do not know. XXXXXXXX XXXX informed me that I could settle with her. I responded, why would I settle on a debt I do not owe. She got very upset. I asked her if she would let me know the itemized amounts for the account. She told me NO, I replied I thought you were going to review everything with me, so that I could resolve. She told me no because I was n't going to settle, and that I wanted to tell her about the items I was and was not going to pay. I explained to her, would you pay for something that you did n't owe. She did n't live in the apartment, but I did. She told me that she was NOT going to validate the debt with me and she did n't have to. She told me that RS Clark does n't operate on my terms, I operate on theirs. I was just applauded. The last time that I checked a collection company could n't refuse to validate the debt. The calls are recorded, so please feel free to listen and her XXXX XXXX an RS Clark Associate refuse to validate the debt just because she did n't want to. However, when we started the call she told me she was. XXXXSo RS Clark is negatively reporting 3 accounts that they refuse to or ca n't validate per their agents ' own words. Again, the call was recorded please listen and hear how blatantly XXXX XXXX violated my FCRA Rights, by refusing to validate a debt. Even though 10 minutes prior she told me she would.
04/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28269	Web
My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against RS Clark & Associates for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given RS Clark & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with RS Clark & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving RS Clark & Associates any right to collect on this alleged date. It is my belief that RS Clark & Associates is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from RS Clark & Associates before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If RS Clark & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RS Clark and Associates can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and RS Clark & Associates continues its collection efforts I will file for litigation for actual damages caused and RS Clark & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also RS Clark & Associates has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75056	Web
Hello, This is my last attempt in speaking with you guys about violating my rights as it relates to my consumer rights. You guys are violating laws and I will list them. I have no knowledge that this account is mine. I have never received any letters from you guys stating you would report my non public information to a consumer report which is a third party entity. You guys will not sue because you are legally unable to, but I have the rights to sue and I will if this is not removed from my consumer report. 1st law violated is 15 USC Code 6802 Obligations with respect to disclosure of personal information. ( a ) notice of requirement states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. If there was an alleged debt like you explained by federal regulations you are legally suppose to send that notice document. Which I have never seen nor do you have the proof that it was sent. You must also clearly and conspicuously disclose this in writing or electronic form or othr form permitted by the regulations prescribed under section 6804 of this title. And provide clear instructions of how I could exercise rights to opt out. None of that was provided. 2nd law violated what 15 US Code 1692g Validation of debt. you guys never submitted these documents either. If so please provide the documentation. With in five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- -- ( 1 ) the amount of debt : ( 2 ) the name of the creditor to whom the debt is owed : ( 3 ) a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; This was not done either. I have documentation that I have spoke with you saying this debt isn't mine and you continue to furnish inaccuracies on my consumer report. I am asking for the bill of sale of this alleged debt and this is a notice to sue for aggravated identity theft and other violations that you previously stated in you have not violated. Please stop responding with pre-typed responses and take this matter serious. I know every consumer law and you may want to get familiar with them before you cost you and your company XXXX.
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30705	Web
XXXX.I have never had an account with this company RS CLARK AND ASSOCIATE XXXX, REMOVE from all credit agencies from reporting. XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are RS CLARK AND ASSOCIATE the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX. XXXX AND XXXX XXXX Creditor : R.S. CLARK AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on R.S. CLARK AND ASSOC Original Creditor : PR.S. CLARK AND ASSOC account number ISNT DISPLAYED with a balance of {$0.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
01/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76116	Web
RS Clark and Associate placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with RS Clark and Associate. According to 15 USC 1692J-RS Clark and Associate is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
02/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I went to the ER in XXXX XXXX because I had the symptoms of having a XXXX XXXX. I told no less than five attendees that I drank some Turmeric Tea too fast, and that it may be XXXX XXXX. None of them wrote it down. My friend was with me and was a witness to this. I sincerely believe that since I had Insurance, they saw me as a dollar sign. They insisted keeping me overnight, and so I could avoid having to pay a {$100.00} insurance deductible. I should have not listened to them. My credit was wrongly attacked because one of the doctors, claimed he was called at XXXX to assist with the doctors on staff with my case. They didn't tell him about the turmeric tea. Dr. XXXX is the source to what I believe was fraud. I have more than 40 pages of records from the hospital to prove none of them documented the turmeric tea consumption. They even referred me to a XXXX XXXX, and they tried to get thousands of dollars from me to investigate more. I also feel they had their ultra sound tech pretend she couldnt see part of my XXXX. I found out ALL of these doctors were on staff at the XXXX XXXX Hospital. I cant help but feel this a racket to make money off of unsuspecting people Dr. XXXX was also asked to not ever return to the hospital to where I was treated. I contacted my attorney to get Dr. XXXX XXXX to leave me alone. He told my attorney that I was : 1. XXXX XXXX, which was not true. 2. Stated that I maintained a high sodium diet. This is false because I didn't have the benefit of an 8-12 hour fast before they XXXX XXXX. 3. Stated that I had untreated XXXX XXXX. I have been under a doctor 's care for XXXX XXXX XXXX since XXXX. I didnt have my XXXX machine with me when they admitted me into the hospital. This doctor violated HIPAA laws by giving this information to my attorney without my knowledge or permission. This fraud is still showing on my XXXX XXXX report, and I want it gone. I also told RS Clark and Associates ( the Collection Agency ), that the claim was false and fraudulent and they refused to remove it. I am not paying them {$230.00} for their false claims. I am even considering filing a HIPAA violation against this doctor for providing my medical information to a 3rd party without my permission or knowledge. Here is the Collection Agency information. RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
03/12/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web	Servicemember
I rented an apartment 5 years ago, renewed my lease after a year and lost my job 3 months into my second lease. I couldn't afford the rent payments and had to move out. I was told i would owe rent until the apartment was re-leased to a new tenant. Well, 4 years later and i have NEVER received any billing statements or letters about the debt owed, yet my credit report is showing that i owe {$12000.00} to a company called R.S. Clark & Associates in reference to the apartment. I recently called and spoke to the account manager at the apartments and asked if she could tell me when the apartment was leased after i left ... she couldn't. I asked her for any info in reference to my account ... she couldn't. She was the 3rd or 4th account manager in 4 years and referred me to the collection agency, RS Clark for the documents and information i was requesting because she didn't have it. I called RS Clark and asked for the same info. That account manager referred me back to the account manager at the apartment complex. I informed her that they sent me to her. I also let her know that in 4 years i have never received any information, billing statements, letters, etc about the debt yet it's on my credit repory and NO ONE can show me proof of the debt that i supposedly owe. That was 3 weeks ago and even after i updated my address with RS Clark i STILL HAVE'NT received any info on this debt! What they did do was update my credit report with a missed payment but how?!? I was bullied into paying {$6000.00}, ( half of the XXXX ), which i didn't pay because i requested documentation to show a breakdown of the amount and still haven't received anything so how did i miss a payment? And how are they just now reporting ONE missed payment in 4 years?! Please help me because without proof of the debt, the detailed account breakdown, no letters in 4 years and neither the apartment account manager or collection account manager knowing anything, I'm disputing the debt and want it removed from my credit report asap! I've tried on my own but have yet to get any help and it's affecting my credit.
05/21/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
01/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 761XX	Web
I terminated my lease early at previous apartment complex named XXXX XXXX XXXX XXXXXXXX in XXXX of 2022. Upon move out I was informed on the walk through when turning in keys that 2 of the bedrooms carpet would need to be replaced due to pet damage. I informed XXXX that I had paid the {$400.00} pet deposit and {$500.00} deposit when moving in so if thats the case then it should be taken out of the deposit that was already paid. She then stated the {$400.00} deposit for the pet was NOT a non refundable deposit but instead was a pet fee and would not be applied to anything and that the fee is paid to just have the animal in the dwelling. So on top of paying the per fee I also paid a monthly pet rent for the animal. I find this a ridiculous abuse of charges and a way of nickel and diming tenants for nonsensical charges. So after receiving an email stating that ok the charges for 2 bedrooms to have the carpet replaced supposedly that charge is {$920.00}. Then after deposits paid the balance I owe is now {$660.00}. So after going back through my lease and charges I realized when this company took over after start of new lease they increase the charge for my garage from {$160.00} per month to {$200.00} per month with no advance notice. I emailed the company back and informed them I have no intentions of paying {$600.00} but will pay the balance of what is owed after difference of garage fee overcharges are offset in the balance. I will NOT be bullied into paying for unreasonable charges. They then sent my account to collections and suddenly the charges are now at XXXX. Never received anything via email no response no phone call nothing in the US mail. I specifically asked the representative XXXX to reach out to me and to NOT send me to collections. I tried to file a complaint on XXXX for XXXX XXXX but was informed that supposedly the business is closed which is the management company for the avenues at XXXX. The business is NOT in fact closed and are now trying to extort fees out of me. I need a resolution for this issue.
03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	TX 754XX	Web	Older American, Servicemember
on XXXX of XXXX i rented an apartment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx after the texas snowstorm, i could not continue living in the apartment i lived in for over 7yrs when i signed the lease for the new apartment XXXX XXXX explained to me that she only had one upstairs apartment and as soon as a downstairs came open due to my XXXX she would move me downstairs well on XXXX XXXX my job of over 8years let me go i had no job and trying to still get over XXXX XXXXXXXX i gave 2month notice to leasing office and XXXX XXXX infromed me that i should apply for texas rent relief so i did and texas rent relief paid the one year lease i had signed off no balance was left as time went on could not fine a new employer i cleaned out the apartment which was still upstairs, i had given XXXXXXXX XXXX {$300.00} money to move to the downstairs apartment which she kept and told me that it was applied to rent after texas rent relief paid all the lease and utilities i called the leasing office and spoke to manager XXXX XXXX because a debt collection agency was calling demanding that i pay an amount of over {$600.00} to them on past due rent for XXXX XXXX XXXX i called leasing office attempt to resolve this issue XXXX XXXX told me that i gave a 60day notice and yes all of the lease was paid in full so what is the amount that XXXX XXXX XXXX sent to collection agency for? XXXX XXXX told me you are a skip because you moved out one month before the date of the 60day notice you gave i explained to XXXX XXXX that i had to schlude help to clean the apartment and help with moving heavy items to leave the apartment very clean and ready to rent to someone else the apart was rented the week i moved out to a new tenant so the XXXX XXXX XXXX lost no money in fact the kept my {$300.00} deposit for the downstairs apt and the lease was paid in full for the rest of the one-year lease and so were all the utilities by texas rent relief this was put on my credit report and apartments will not rent to me due to this!
04/07/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 75287	Web	Servicemember
Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75075	Web	Servicemember
My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is.
01/17/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78653	Web	Servicemember
In XX/XX/2016 I was contacted by phone by a representative of R.S. Clark and associates. This representative notified me that they were attempting to collect a debt that I originally owed to XXXX XXXX XXXX XXXX. The representative explained in great detail that R.S. Clark and Associates was in possession of a contract that I signed with XXXX XXXX XXXX XXXX that included an agreement to pay a debt of over three thousand dollars. I assumed the representative was providing accurate information and agreed to begin making payments but I also asked to be given a copy of the contract as I had no recollection of ever signing such a contract. The representative agreed to call me back after she found the contract. I called R.S. Clark and Associates the following week to follow up and was notified by the same representative that, despite their claim of possessing the contractual agreement between myself and XXXX XXXX XXXX XXXX, she wasn't able to find the contract. I immediately cancelled future payments to R.S. Clark and Associates and have spoken to representatives on several occasions explaining that I've never seen the contractual agreement they claimed the debt was based on and to this day the company 's representatives refuse to address the false information they gave me in their attempt to collect the debt. I've disputed the debt with the company on several occasions and requested evidence that the debt belongs to me, the company responded by sending a print out of a list of financial charges with my name typed at the bottom. Since then I've been notified by representatives that the debt has been reported to the credit bureau.
02/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80247	Web	Servicemember
XX/XX/XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX === {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I paid my co-pay and XXXX XXXX Paid the balance of {$1100.00}. I resigned from my XXXX job in XX/XX/XXXX. In XX/XX/XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to XXXX and each time they refused to verify with the clinic. The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.
06/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71105	Web
The agency was asked to provide validation of an alleged debt on XX/XX/19. I sent the agency two original billing statements from the original creditor along with the VOD letter. The letter of response from the agency dated XX/XX/19 stated it had validated the debt and provided a copy of a Statement of Security Deposit Account with my name fraudulently added to the accounting statement and is clearly evident in the different font size of the names. According to the original billing statement the accounting of the charges are inaccurate as well. I wrote to the agency again on XX/XX/19 stating the statement was misleading and fraudulent since I had already provided an original billing statement from the original creditor with the true and correct information. Since the agency blatantly ignored the proof I provided I requested them to provide me with a contract with my signature on it, an affidavit signed under penalty of perjury or something other than a typed up document parroting incorrect information. The agency refused my request stating my dispute is frivolous, despite the original billing statements I provided, and the statement they provided was considered proper verification. Since the agency continued to report the fraudulent account I also disputed the information with all three credit bureaus providing the same information. The bureaus claim to have verified the information with the furnishing agency despite original billing statement I provided. It seems the bureaus are also just parroting information without doing there own independent investigation.
12/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75082	Web
I would like to file a complaint on a collection agency, that is listed on my credit reports as R. S. Clark. This company is trying to collect two debts in the amounts of {$310.00} ( reported opened XXXX/XXXX/XXXX ) and {$92.00} ( reported opened XXXX/XXXX/XXXX ). I have made several attempts via fax for this company to please provide proof that this debt belongs to me. They have failed at providing the proof and have only submitted correspondence stating that they require more time to submit the requested information. The last correspondence that was received was XXXX of XXXX advising that they needed more time. As of date I have not received any other correspondence from this company nor have they requested for the credit agencies to remove the said debts. I have also disputed these allocations with the collection agencies as well and have been told numerous times that the collection agency filled out a form that was sent to them stating that the debt was mine. When I asked the credit agencies if the company supplied any proof to them to validate that the debt was mine, I was told that they do not have to submit any proof, that they just fill out a form and that is sent to them when there is a dispute. I also looked up on the Texas Secretary of State website to see if this agency is even bonded to collect in the state of Texas and found that they are not bonded to collect in the state of Texas. Their bond cancelled on XXXX/XXXX/XXXX. Can you please assist me with this issue? I have tried and done everything that I could to get this issue resolved.
07/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20874	Web	Servicemember
RS Clark and Associates , Inc. is trying to collect a debt which has been paid and the reconciliated account by the original creditor shows a balance of {$0.00}. I believe this collection to be inaccurate and illegal for two reasons : 1. I was never informed of the subject debt transfer from the original creditor to RS Clark and Associates. 2. It is in violation of The Servicemembers Civil Relief Act. Background : I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my time as a tenant, I was never late for rent or missed a payment. I vacated the property on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX after signing an account reconciliation indicating that I was to be owed a {$410.00} refund. I proceeded to move to Maryland in order to attend XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for a period of 6 months which I currently XXXX XXXX. In my surprised, I received an email From XXXX XXXX Stating I owed them a balance of {$1900.00} stating that I never paid my XX/XX/XXXX rent. I proceeded to send them ( via email traffic ) my bank statement showing that the money was in fact paid for the month of XX/XX/XXXX as for every month before that. After that reach out to me via phone call and we once again went of the account reconciliation ( which they provided me with a copy, and the account balance was {$0.00} after payment from insurance and closed. I'm not sure of what's happening but I have provided all the receipt showing that I paid the account, and it was in good standing.
07/27/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
This is a formal complaint against RS Clark and Associates located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, RS Clark and Associates has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
12/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85295	Web
In XX/XX/2018 a lease was open With XXXX XXXX Apartments XXXX XXXX XXXX, Tx XXXX on unit # XXXX were they promised half off the first month of rent. XXXX XXXX would late not honor that deal forcing me to Pay a full month and late fees '. Through out my Experience at XXXX XXXX Apartments I was charged a number of fees that were never able to explain. Finally in XXXX due to multiple issues with the leasing office and poor upkeep of the property including roach infestation. The leasing office had agreed that I would turn in the keys and they provide me would final amount due once they looked off the apartments. I sent a bill over 11,000 and the full remained of the lease. Witch both me and the current leasing agent agreed was not correct. I was told to wait for a readjustment since the were able to lease out my old apartment. I would only have to pay for the time it took to fill the vacant plus cleaning fees if needed my deposit was 700 $ so was not suppose to owe anything over 1000 $ if they leased it out next month which they did. The bill was never corrected and worse it was forward to a Collection company RS Clark & Associates I could not afford the 11 thousand dollars they wrongfully claim I Own. I have tried to get this Corrected over the years but the XXXX XXXX apartment and the XXXX XXXX RS CLARK & Associates kept passing the buck them for who can correct this For me so I can finally rent my own place.
11/26/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32609	Web
An associated from RS CLARK AND ASSOCIATE contacted me a few times back in XXXX about a debt that they had received from XXXX. I was threatened that if I did n't pay them that they would sue me for the debt and add it to my credit report. I called XXXX XXXX to figure out what was going on and we went all the way through each payment to see where the mishap happened. The mishap was on their end and cleared my account of any charges and notified RS CLARK that I did not owe any debt to them. I got XXXX more calls from RS CLARK stating that XXXX was still reporting that I owed them. I told the lady that was lie and that they had indeed sent them notification that it was a mix up on their behalf. The lady from RS CLARK asked if I had the payment transaction numbers for the services. I gave her ( XXXX XXXX/XXXX/16 & XXXX XXXX/XXXX/16 ), RS CLARK confirmed this with XXXX and thank me for my time. That was the end of that ; RS CLARK was suppose to send a letter, never got the letter. nothing was ever placed on my report or anything until yesterday when I got an alert that RS CLARK had posted an collection on behalf of XXXX XXXX that owed {$50.00}. I owe nothing to them and I have called XXXX they know nothing of the debt and did not send RS CLARK anything to report and do not know why. I have included photos of the transactions that I listed above and a copy of the account tab on XXXX XXXX website/
06/28/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX XXXXX	Web	Servicemember
XX/XX/2018 @ XXXX CST. Call duration 6 minutes and 8 seconds Lady called, identified herself as XXXX XXXX. Spoke about a debt, then asked for my personal info. I explained that I don't verify nor share that on an incoming call. She immediately got a nasty attitude because I wouldn't verify. I asked for her to send a letter so I can get help to go over it. ( I am recovering from a XXXX and sometimes need help ). She then got even more nasty with me and said " No! Why would we send out another letter! '' I was taken back as I do not think my request was asking for too much. As I thought the call was over, I have to speak on speaker phone as a result of my XXXX. I said outloud " That lady was rude and needs to be reported! '' Again thinking the call was ended. XXXX XXXX was still there and said " Oh! I can transfer you to my manager '' I accepted her offer as I was hoping the manager would send me a letter. As XXXX XXXX was trying to bring her manager on the line, she experienced what appeared to be issues doing so. XXXX XXXX then said to me " XXXX, you are going to have to sit in queue ''. I was appalled. XXXX XXXX then came on the line and did not want to address any concerns only kept repeating " The calls will continue '' " Like I said the calls will continue '' All I asked for was a letter from the company in writing, nothing more.
11/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27703	Web
On XX/XX/XXXX I paid in full the remaining balance I owed to XXXX XXXX for laundry machine rentals. The amount owed was {$130.00} ( payment ID XXXX ). Once I paid the account I immediately disputed the account with XXXX on XX/XX/XXXX as paid in full. The account was opened on my credit report XX/XX/XXXX and the debt was bought by RS Clark & Associates. However, since I had to ability to pay the original creditor XXXX XXXX XXXX ) I did. On XX/XX/XXXX my dispute came back as the information regarding this debt being accurate ; meaning that I still owed this debt, when in fact I did not. I then called RS Associates on XX/XX/XXXX at XXXX to inquire as to why this debt was still on my credit report and being reported as unpaid. The representative proceeded to tell me that because I paid the original creditor and not them, they would have to get confirmation from the original creditor that the balance was in fact paid in full and that could take up to 45 business days. They refused to take any of the confirmation information I had in regards to the payment status of this debt, citing that it could be fraudulent. On XX/XX/XXXX I received an alert that RS Associates had updated this account on my credit report and falsely reported it as late/delinquent, have already had prior knowledge that this account was in fact paid in full.
12/02/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
On XX/XX/2019 I mailed a letter to RS Clark & Associates requesting that they validate an alleged debt that they were reporting to a credit bureau in the amount of {$200.00}. They replied on XX/XX/2019 with what they called " the information validating the debt as required by law '' which had my first/last name ( which also happens to be my ex sister in-law 's name ), account number, and amount of {$200.00}. They also included a page which was titled " collections write-off utility detail report '' with the amount of {$200.00}, it appears to be from the original company of the alleged debt, it says page 12, but this is the only page they sent me from the original company. They also sent an informational 2 page brochure/print out about privacy and health information. The information they sent me on XXXX XXXX was not sufficient information to validate this account. I sent a reply letter on XX/XX/2019 stating that they did not provide me adequate information needed to validate the alleged debt and that I would file a complaint if they continue to ignore my request. RS Clark & Associates replied on XXXX XXXX stating that they are considering my request to be frivolous per the FCRA definition. They stated that they previously responded and fulfilled their duty and verified the disputed information.
09/03/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75205	Web
RS Clark and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, XXXX Phone # XXXX I wrote them in spring of XX/XX/XXXX, after I got a demand Letter from them. They were tasked to collect {$330.00} for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, phone # ( XXXX ) XXXX I wrote them, and told them on XX/XX/2018, I paid the check to XXXX. They did nothing. I called XXXX XXXX. They said I need to take it up with Collection Agent. I wrote RS Clark and Assoicates to remove the Derorgatory in XX/XX/2018. It only lists as paid collection. This had hurt my credit, and they continue to not return calls or letters to fix this problem. XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2018 RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : XXXX XXXX XXXX, Credit Report, File # XXXX XXXX XXXX XXXX Dear Sir, This is the second and final time, I will demand that you remove this negative item from my Credit Report. I wrote you last spring, with proof showing the bill to XXXX XXXX XXXX was paid! It remains in the report. Please remove this at once. Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I would appreciate your help. This check was # XXXX on XX/XX/18 {$330.00} on XXXX XXXX XXXX bank acct XXXX XXXX
06/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75248	Web
I received a call from RS Clark and Associates on XX/XX/XXXX at XXXXXXXX XXXX The lady who called verified my date of birth and read me the mini miranda disclosure that is required buy law. At the end of her talk off, she asked me if this was a refusal to pay? Now keep in mind I allowed her to finish her talk off and never even said a word about refusing to pay. I then asked her what day this file was listed with their office. She informed me XX/XX/XXXX. Per the FDCPA section 809 A and B, I have the right to validation of debt and the right to dispute my debt. Once this information is requested collections efforts must cease. I informed the young lady that I was requesting verification and validation of this debt and her response was they sent me a letter out. I also informed her I was disputing this debt since I was unaware of the debt. She then told me collection efforts will continue. This is a direct violation of of the FDCPA and I am entitled to actual and statutory damages from RS Clark and their client. This is no way to collect a debt. I work for a debt collection law firm and MUST follow the law. This is very unfair and deceptive to a consumer. I spoke with XXXX who was the collection manager and stated she would handle this, but I have my doubts. Account number : XXXX
07/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75023	Web
On XX/XX/2020 I sent a certified letter to RS Clark and Associates for debt validation. I did receive a response today which is XXXX XXXX. However, I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and to return with the proper documentation. The company responded within the time frame but they sent a copy of a collections write off report saying this is their validation and they are sure the information is accurate, therefore they deny any inaccuracy. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of a report which proved nothing to me so I dont see how this was verified the report had little detailed information. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If not their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately RS Clark and Associates didn't provide anything but a copy of a collection write off report.
10/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32246	Web
I rented a washing machine and it stopped working completely. I had to take all of my clothes to a public laundromat. I contacted the company and they made several repair appointments but never showed up. In turn, I stopped paying for the washing machine and then schedule to have them pick up their machine. They took a long time to pick up the machine and at the same time kept billing me. I told them that I would not pay for a machine that quit working. One day I checked my credit report and saw that they were on my credit report as RS CLARK & ASSOCIATES. When I called the company I was very upset and still did not believe I owed them anything but because I am working on my credit when they told me that they would pull the bad report back so I could pay, I decided it was worth it. Only to find it on my credit report but marked as paid. That was not what was agreed upon. The payment manager for XXXX XXXX told me that RS CLARK & ASSOCIATES was part of their in-house collection and that if I agreed to pay they would pull the account back and off of my credit report. There was supposed to be no trace of them on my credit report, not even as paid because paid makes no difference in terms of dragging down my credit score.
11/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28269	Web	Servicemember
After sending the FTC report of identity theft in XXXX and XX/XX/XXXX, RS Clark and Associates are refusing to remove the collection for XXXX XXXX. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of XXXX to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They made false allegations that they sent me a letter to my address which they do not have and it was delivered. It most certainly was not certified because I never received such a letter. I sent them my identity theft affidavit. They have been harassing me and have extorted me by adding negative information to my credit report in an attempt to collect an alleged debt that they have not proven to be mine. This is the second time someone has sold my social on the internet and I have experienced identity theft but all three credit bureaus have allowed them to add such negative information. This makes XXXX, XXXX, and XXXX an accessory and conspiracy to racketeering.
05/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30080	Web
On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.
09/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 75032	Web
RS CLARK & ASSOCIATES {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ARE NOT LICENSED TO COLLECT IN MY STATE {$70.00} XXXX XXXX XXXX XXXX HAVE BROKEN ALL HIPPA LAWS WHICH IS A HUGE VIOLATION OF PRIVACY ACT. {$84.00}, {$73.00} {$57.00} COLLECTION AGENCY OR ANY OTHER THAT TRIES TO ATTEMPT TO COLLECT THIS UNLAWFUL DEBT. ALL DOCS ATTACHED OF WHAT HAS BEEN SENT TO THESE COLLECTIONS AGENCY 'S. CEASE AND DESIST LETTERS HAVE GONE OUT AND NONE OF THESE AGENCIES ABOVE HAVE AUTHORIZATION TO COLLECT IN MY STATE. PLEASE HAVE THESE REMOVED WITHIN XXXX HOURS THE LATEST. 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 242 - Deprivation of rights under color of law. Credit is a right a creditor can not deprive you of that is extortion. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I will be demanding the full balance if this is not removed immediately from my credit report. 15 U.S. Code 1615 - Prohibition on use of Rule of 78s in connection with mortgage refinancings and other consumer loans 47 CFR 1.1950 - Reporting discharged debts to the Internal Revenue Service.
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79423	Web
I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is R.S. CLARK AND ASSOCIATES with no account number and a balance of {$260.00}. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/, XX/XX/, XX/XX/, XXXXXXXX and XX/XX/. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
12/18/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75126	Web
I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.
07/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web
I have contacted RS clark and associates to provide me with the proof that the debt they are attempting to collect from me, of {$120.00} is valid and proof that it belongs to me. Instead of providing me proof, they sent me a letter that I am trying to get out of an owed debt. I recieved a letter from them in the latter part of 2021. I attempted to reach out to them prior to 2021 as well but was to no avail. I have also disputed this debt with the credit bureaus many times. Their procedure is that they send the debt to be verified to the collection agency themselves and upon the collection agencies word they update the results as to debt valid or invalid. When I asked the credit bureaus of what proof they get from these agencies when they send the dispute to them, I was advised they dont ask for any proof, if the collection agency says its valid, they mark it valid. This practice is not fair. The collection agency doesnt want to provide the proof to the consumer and the credit bureau doesnt ask them for proof, this is nothing but money extortion. I need assistance in getting this medical debt removed from my credit report.
12/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39305	Web	Servicemember
XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XXXX ; reminder or moveout provided in XX/XX/XXXX XX/XX/XXXX damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( XXXX ) report by RS Clarks and Associates . I disputed the information through Credit reporting agencies ( XXXX, XXXX Desk, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. CFPB did not thoroughly investigate the case and closed the complaint. I m
11/17/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75227	Web
the company XXXX XXXX and XXXX called me twice before this year around XXXX, i did not get the person name as they asked for woman, however that don't apply to me and told them to remove my number from their list they said they would. today i had a missed call from XXXX when I called back I spoke to XXXX the receptionist as I did not know who called, advise they need to remove number she i cant i am just the receptionist told she works for them take it off. she then transferred and I spoke to a XXXX XXXX and immediately informed to remove my number and have before she we are looking for XXXX is the last i recalled told i have told yall before stop calling here and to remove my number she stated first of all you called me and you need to tone it down, i told her she was rude and i would placing a complaint with attorney general she said ok and then proceeded to hang up, when I hung I saw voicemail ( i don't have personal greeting ) with same number XXXX, hello we have an important message from XXXX XXXX and associates please call XXXX at XXXX extension XXXX thank you ''
03/24/2022	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 75043	Web
The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX Thank you in advance, XXXX XXXX XXXX XXXX # XXXX
06/11/2023	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 34606	Web	Servicemember
1 5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an d no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
01/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34684	Web
On XX/XX/XXXX, RS Clark and Associates reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to RS Clark and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to RS Clark and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, RS Clark and Associates has never contacted me or sent any information regarding the validation of this debt. RS Clark and Associates has violated multiple FDCPA laws. RS Clark and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
11/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75238	Web
I have never done business with RS Clark and Associates. I do not have a signed contract with RS Clark and Associates. I am not liable for any debt from a company in which I have never done business with. I have send a debt validation letter to RS Clark and Associates on XX/XX/2018 and I did not receive any substantial debt validation. Specially I did not see anything validating the alleged debt with my signature. According to the FRCA regulations, RS Clark and Associates are in violation and are subject to fines starting at {$1000.00}. This is my third time asking for the appropriate debt validation. The next time will come with litigation. I hope that this can be resolved without litigation. It is not suffice to present any papers from any other company other than RS Clark and Associates. RS Clark and Associates can not simply respond by saying they will send me something in the mail. RS Clark and Associates does not have permission to contact me by e-mail, phone, nor us mail. All communication is to be handled via CFPB portal.
02/11/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75043	Web
I called RS Clark & Associates on XX/XX/2021 to resolve my debt. Before I was able to fully explore my options, the Rep cut me off and let me know that I wasn't able to settle my debt. When looking into a payment arrangement, I was advised that at no point prior to paying would I get documentation for proof of an agreement. Ultimately, the conversation escalated and the CSR said, " well you could just not pay it like you've been doing and let it fall off. '' and " it's not my fault you don't pay your bills ''. Eventually, she hung up on me. I called back, and the same rep answered with an attitude. She then transferred me to someone else with the same sentiments. Very rude, and chastised me for having date, and hung it over my head by mentioning that " i'm calling because i obviously need a house, car, etc '' Both were inconsistent with the result of what would happen after I paid. The first advised that if I paid in full, it would be removed. The second one said " we don't do removals. Once you pay, it will show paid in full ''
11/01/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web
RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally
09/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77060	Web
XXXXXXXX XXXX ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX CONTRACTED COLLECTION OF DEBTS NOT OWED TO RS CLARK & ASSOC. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX DATE : XX/XX/2017 AMOUNT : XXXX ISSUES ; I WAS WRONGFULLY EVICTED AFTER I COMPLAINED TO THE APARTMENT MANAGER TO FIX BED BUG INFESTATION IN MY APARTMENT. I KEPT COMPLAINING BUT, IT WAS NOT TREATED AFTER MUCH PRESSURE I WAS FORCEFULLY ASKED TO VACATE THE APARTMENT. I HAD A 7-MONTH LEASE BETWEEN XX/XX/XXXX-XX/XX/XXXX BUT, FORCEFULLY EVICTED XX/XX/XXXX. I WAS THEN CHARGED FOR BROKEN LEASE. I PAID RENT FOR THE MONTH OF XXXX AND WAS NEVER LATE. ( XX/XX/XXXX-XX/XX/XXXX ) RENT SHOULD BE ( {$690.00} X 3 ) IF I WAS ALLOWED TO COMPLETE MY LEASE. EVERY ATTEMPT TO RESOLVE THE MATTER WITH THE MANAGER OF THE APARTMENT AND THE HEADQUARTER -XXXX XXXX FAILED. {$5900.00} WAS REPORTED AS COLLECTION CHARGE OFF ON MY CREDIT AND THIS HAS MADE LIFE WORSE.I NEED HELP. SUPPORTING DOCUMENTS ATTACHED.
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77082	Web
Consumer Financial Protection Bureau ( CFPB ) Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, on my credit report, which R.S. Clark Associates claim I owe them {$120.00}. I sent certified letters On XX/XX/2018 and XX/XX/2018 requesting that R.S. Clark Associates send " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They sent a printout of a bill where some of the information had been cut off and my signature nowhere on the printout. I sent them this information regarding the FTC opinion letter from Attorney XXXX XXXX XXXX, stating that a printout of a bill or itemized document does not constitute verification. They could not send any contract with my signature on it. I have attached the last letter that I sent to them and the printout statement that they sent to me. Please have them delete the information from my XXXX and XXXX credit reports. Thank you. XXXX XXXX XXXX
06/06/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75104	Web
This company is reporting a debt to the credit reporting agencies for an alleged balance of {$130.00}. On XXXX I sent a letter to them requesting that they perform an investigation of the account and to send copy of any contractual agreements that they have on file validating that this is a valid debt and that they were either sold or assigned to this account. On XXXX I requested this information again because I had not yet received the requested documentation and yet again the company has failed to provide but has updated the reporting with the credit reporting agencies on XXXX . This company is in violation of reporting an unverifiable debt to the credit reporting agencies, updating a reporting 60 days after the re-investigation and not providing supporting information and failing to notify me that this debt has expired the statute of limitations for my state of residence. I am requesting an immediate deletion of this item from each of the agencies in which it has been reported.
05/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75044	Web
This company XXXX XXXX XXXX XXXX XXXX is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : RS Clark and Associates # XXXX balance {$51.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75159	Web
I sent a debt validation letter for a medical account via certified mail ( XX/XX/2020 ) requesting : 1. A copy of their bond and license to collect in TX 2. A copy of the agreement authorizing authorizing the company to collect the debt 3. An accounting statement of the amount owed 4. A copy of an agreement with my signature confirming acceptance of the debt 5. The name and address of the original creditor. I did not receive any of the requested information. I received a copy of a demographic information printout. The printout had " RSC {$1700.00} '' handwritten on it. I sent a reply via certified mail ( XX/XX/2020 ) stating my request was not fulfilled and none of the information from my request was provided. I received a reply basically stating that was verification and they wouldn't provide any additional information. They have since marked this account as closed and are still reporting it to the credit bureaus. I have attached a copy of the letters sent and the response.
12/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75238	Web
According to XXXX, I have a derogatory collection account of {$290.00} belonging to RS Clark and Associates with the original creditor being XXXX XXXX XXXX. The account was opened on XX/XX/XXXX. As of XX/XX/XXXX, I have paid my debt to XXXX XXXX XXXX, but on XX/XX/XXXX, RS Clark and Associates was still reporting a derogatory, unpaid collection account. I disputed the account with XXXX and on XX/XX/XXXX, they reported back that the account remains. Additionally, I originally had no knowledge about this collection account. It was not until I opened my XXXX account on XX/XX/XXXX that I found out about this debt. I was not able to pay it off after finding out about it since RS Clark & Associates failed to send me any bills in the mail over the course of last two years. Without XXXX, I would have never known about this debt. Because of that, I went to the original creditor 's office and paid there. This should not be a derogatory account in my credit reports.
10/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19136	Web
Earlier this year I rented a washing machine and dryer combination from XXXX XXXX. Upon receipt of the item, it contained 4 prongs and my outlet had 3. This company was notified on multiple occasions that I was unable to use the item. They attempted to schedule a tech 3 times. All of which the tech cancelled and I was advised to call for a new appointment. I then quickly moved from where I was staying and called to advise instead of a repair, they would have to pick up the unit. Upon closing out the account I told the rep, I was NEVER able to use the unit. She understood and made a note that she saw my complaint and would note to NOT send a bill. Suddenly there is a bill on my credit report for {$60.00}. I am not responsible for a unit I could not use and they were notified on multiple occasions. I would like all of my notes on my account sent to me immediately. This has caused great harm to my credit report. Selling a debt to an agency that is not owed.
09/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 752XX	Web
My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.
06/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30045	Web
I have sent numerous requests to a company called R.S. Clark and Associates that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.
09/03/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76053	Web	Servicemember
On XX/XX/2016, XXXX XXXX XXXX reported a medical balance in the amount of {$2800.00} to all credit reporting bureaus through their collection agency R.S. Clark and Associates. This happened after repeated attempts by me to contact them about a procedure that was botched by the doctor. R.S. Clark and Associate sent several letters to me threatening to report it to the credit bureaus if not paid in full, which they did. I went in to XXXX XXXX office for one XXXX on my knee and was talked into having 5 procedures on my XXXX ( as a medical necessity according to XXXX XXXX ). He was paid over {$11000.00} for these procedures and during the last procedure ( which happened to be the only one I asked for ), he failed to completely numb the location or remove the XXXX XXXX ( which was XXXX ). I went back and told them and was ignored. I have before and after pictures showing no change, just bruising. I am not going to pay for a failed result.
11/27/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NC 28027	Web
I'm not gon na pay this supposed debt RS Clark & Associates says I owe. I checked out my rights under the Fair Debt Collection Practices Act ( FDCPA ), and it says I can dispute any wrong stuff on my credit reports. I've got proof that RS Clark & Associates is doing some shady stuff using bad language ( which is a no-no under 15 U.S.C. 1692d ( 2 ) ) and lying to collect debts ( which is also a no-no under 15 U.S.C. 1692e ( 10 ) ). I don't care about validations or verifications. In North Carolina, the time limit for this debt is three years, and that's already passed. My big problem is them putting false info on my credit report. They got ta get rid of this bad account and other negative stuff ASAP. If they don't fix it in the next 30 days, I'm gon na have to complain to the United States District Court for the XXXX XXXX of North Carolina. Just trying to sort this out without going that far, but they got ta act quick.
06/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 750XX	Web
On XXXX / XXXX / 2017 RS Clark and Associates wa s in a receipt of a letter disputing alleged debt they were reporting on my credit reports in the amount of {$87.00}. Per the FDCPA, this debt collector must sent proof that this debt is owed with 30 days of my request. Till this day, this company never responded to my request and it has been well over 30 days. Under the FDCPA, a debt collector must cease collecting debt until they have been able to properly verify this debt to the consumer. RS Clark and Associated failed to comply with this regulation and ignored my request but continued to send updates to my credit reports. I am showing this company sent an update on XXXX / XXXX /2017 to XX/XX/XXXX and still has failed to send me the information I am requesting. This is a direct violation of my rights. This debt does not belong to me and I have NEVER done business with this company and do not intend to.
09/01/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. This is also an alledged medical debt. By furnishing my consumer report with this, RS CLARK AND ASSOCIATE is violating HIPPA laws as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
04/03/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75088	Web
My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.
01/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75040	Web
This was allegedly an amount owed to an eye specialist ; however, I had no outstanding debt to the provider. After my physician left the practice, probably a year or so after I was seen, I was billed {$130.00} out of the blue through a collection agency. Again, I had NO balance due to the provider after my procedure as I had paid all charges. Now, the collection agency is maintaining their negative reporting on my credit reports, although they show it as paid. I dispute the amount was even owed, but likely paid it when refinancing my mortgage in 2019. They have not provided me with any proof that the amount was even owed, especially in light of the fact that this was sent to collection at least a year after services were rendered and NO BILL was received by me ; therefore, this account should be completely removed from my credit report. Theirs is the only negative mark on my credit.
05/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77845	Web
I moved out of the apartment XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX at the agreed time and paid all my rent and utility bills on time, leaving the apartment cleaned. I never received any notice of any unpaid bills since then. I never received any security deposit back with itemization of deduction either. 7 months later, suddenly my credit score was negatively impact by a collection agency without any warning or notice of any kind. The collection agency indicated I owed {$450.00} on top of my security deposit {$200.00}. They have never sent me any itemization of deduction and never sent me any owed debt bills. Cleaning the already cleaned apartment shouldn't have cost {$640.00}. Also, the collection agency should've contacted me to verify the debt and negotiate a resolution before sending me directly to the credit report agency thus unfairly and wrongfully hurt my credit.
02/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92806	Web
Due to Address changed, I never received final Bill from XXXX After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. I been trying to contact XXXX but they are not responding to Credit Agency about paid off. They still have Collection on my XXXX Credit report.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NE 684XX	Web
My mother had gone to the doctor and my father, who has the same name as me, was supposed to pay off the rest of the bill for the doctor with his insurance. My father was in XXXX at the time and the debt collector of RS Clark and Associate, looked under my mothers relatives and saw that I had the same name as my father so they did not look to make sure it was him and charged me with the bill, and I never knew because I was gone in college at the time and they thought they billed my father. I did not know until I got a alert from my bank that my credit had dropped 44 points for a closed account that I never opened and when I called the debt collector they told me that they could not do anything but make me pay for it and it will take at least two months to get off my credit, when it was their fault that they charged the wrong person.
01/20/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 75243	Web
this debt collector of RS Clerk and associates of phone number XXXX had somehow threaten me by perhaps contacting my apartment complex as the third party to stop my XXXX housing assistant. the landlord will not give specific probable cause. because I was not in violation of my XXXX. this XXXX accountant of address XXXX, XXXX , Texas XXXX, phone number XXXX of XXXX I must paid {$850.00} left that i could not paid monthly of {$50.00} anymore. just because the XXXX accountant could not wait every month anymore. the debt collector will not accepted a lower amount of {$30.00} or {$40.00} a month. I do work part time and had problems getting my Social Security XXXX benefits started again and other bills had to paid. but perhaps to contact my apartment complex third party to stop the XXXX should have no civil right of this debt collector.
09/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75056	Web	Servicemember
On XX/XX/2018 I contacted RS Clark & Associates for a pay for delete of a XXXX debt. The representative stated it was a recorded call and they collect debt ( which I was aware ) The lady stated she would need to get her managers approvol to collect the debt and then have it deleted from all 3 credit reporting agencies, she placed me on hold, came back and she stated that she would be able to do that ... she sent me to a woman to take my payment and then emailed me my receipt and I also received one in the mail ... I also faxed them back the sign copy of my receipt the same or next day. So I check my CR and its still showing on XXXX and XXXX, they only deleted it off of 1 CBR! I then sent them and email on Tuesday XX/XX/18 asking them why they have not removed the debt from the other 2 agencies and they have ignored my emails.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38115	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... RS CLARK ASC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
09/12/2021	No	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	DE 19701	Web	Servicemember
I have disputed this with R S Clark and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. R S Clarke & Associates requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.
01/26/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76180	Web
RS Clark located in XXXX, TX was attempting to collect a debt that I was not aware was owed to a specialty clinic. I requested to have more detailed information of proof of debt since my father has the same name as me and was wondering if it belonged to my father or myself. While evaluating the documentation they provided they did not allow enough time for me to verify the debt with the specialty clinic so I went ahead and paid twice, one payment was mailed through regular mail, RS Clark claimed they did not receive, the second attempt of payment was made electronically with that RS Clark agreed that they would not report any derogatory information to the credit bureaus. RS Clark still went ahead and filed a derogatory collection information with all three credit bureaus.
07/11/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 300XX	Web	Older American
Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. The offending collection agency is : R.S. Clark and Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from R.S. CLARK AND ASSOC ( Original Creditor Name XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with your representative there and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2019, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
06/24/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 760XX	Web
I have repeatedly disputed an account listed on my credit report as not being my account. I have submitted numerous requests to RS Clark for validation of the debt and have not received validation. This is a collection account for an apartment complex. I have never entered into a lease with this apartment complex and I have asked RS Clark to see a copy of the lease I allegedly signed. They have not been able to produce said lease in almost a year of communicating with them. In fact, RS Clark has recently closed this account because they recognize they can not validate it. However, the account needs to be removed and not just simply closed. Please remove the invalidated debt or I will have no choice but to file a complaint with the Federal Trade Commission. Thank you.
02/09/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75150	Web
Hello I called are Clark and associates and spoke with a Supervisor by the name of XXXX XXXX and she told me who I owed, how much and advised me she can do a pay for delete. I advised her ok Ill call back tomorrow to pay the balance due she said ok. On Tuesday XX/XX/2018 she called and left me a voicemail XXXX. She then called me back on Tuesday 5 minutes later and then 2 hours later she called again. On Thursday she called me at XXXX and my daughter answered and she said XXXX and my daughter advised her my mom is busy she started laughing and said ok and hung up. I think her tactics are harassing Im willing to pay my bill but not when she is being harassing. I have the voicemail and call records and the call recorded when she spoke to my daughter. Please help.
10/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
I received a letter from RS Clark & Associates, Inc on XX/XX/2020 stating that I owed an alleged amount of {$69.00}, I immediately responded on XX/XX/2020, asking them to verify the alleged debt as I did not recognize nor owe it. I never received a reply back, but immediately this collection was put on all three credit bureau reporting agencies, XXXX, XXXX and XXXX, since XX/XX/2020 Ive sent two other letters demanding verification and validation of the alleged debt and have not received it, I have requested that they immediately remove the negative collection from my credit bureau reports which they have not done either. They have violated so many consumer protection laws that they should be closed by the attorney general of Missouri as well as Texas.
11/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I am a victim of identity theft and noticed a collection from RS CLARK AND ASSOCIATES. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RS CLARK AND ASSOCIATES in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
02/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76012	Web
I have spoken with multiple associates of RS Clark & Associates. I have asked them multiple times to send me debt validation and they have stated that they sent it to me once and would not send it out again. I never received anything to my address which they stated they sent to and they have claimed that I have lied about not receiving the letter. They call me almost every day. XXXX times I have had to ask them not to call while I was a at pediatrician appointment with my premature baby and they still called back again. I do not understand why they keep calling me after I asked them not to call me until they sent me a debt validation letter. They claim I owe XXXX XXXX {$200.00} but have refused to send me any debt validation.
09/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77479	Web
RS CLARK AND ASSOCIATES ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!
09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30075	Web
RS Clark & Associates has never contacted me in regards to a debt they claimed was owed to them, but continued to report it to all 3 credit bureaus monthly. The account balance they claimed to be due, was paid directly to the original creditor XX/XX/2021, with whom I still have an account and RS & Associates was notified the same day by myself and the original creditor, that no balance was due. Instead of correcting their records, they sent an update to the credit bureaus saying my account was still owed as of that day. I filed more than 6 disputes providing receipt of payment and account screenshots and each time they would respond that my account balance wasn't paid and still outstanding as of XX/XX/2021.
04/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77386	Web
I had an account on my credit that I did not recognize after calling the company I was informed it was for a debt that I did not recognize at all. Since I was applying for a new car loan and the amount was small I agreed to pay with them deleting the account from my credit report and then sending me the debt verification after payment. After payment they did not delete the collection from my credit report nor sent any validation that this was actually my debt. I have since asked the company to provide me signed documents or any documents showing that the debt they claim to own was my debt and not just a mistake. They have again not provided that information and continue to report to both XXXX and XXXX.
09/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
The investigation was requested to be repeat it due to the fact Clark Associates failure to provide copy of physical proof of the debt. The investigation does have merit and is not frivolous claim that was used as a scare tactic. For example RS Clark Associates responded to the dispute. Secondly the account was placed on my credit report. If there was no merit to this account RS Clark Associate would have never pursued the account. However RS Clark Associates has presented frivolous claims on my credit report without valid proof when a dispute was requested. If RS Clark Associates is acting on their own behalf or another companys copies of physical proof should be ready and available upon request.
06/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76002	Web
R.S. Clark and Associates received a debt for {$5500.00} five years ago from an apartment for a broken lease in my name, however I was unaware the debt had been sold until I checked my credit score in XXXX of 2014. I do not remember ever receiving a phone call or letter the debt had been sold to them. I contacted them to resolve the debt in 2014 as well as this year and both times, they tried to talk me into several deals in one phone call, each ending with the original amount instead of any of the deals they were offering. I was unaware it is law that within 5 days the company has to contact you or else I would have disputed the debt when I realized it was on my credit.
02/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76114	Web
XXXX XXXX XXXX XXXX XXXX is reporting for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. They have sent this delinquent account to RS Clark and Associates for collection and XXXX is reporting RS Clark and Associates as a collection on my Credit Report. I have deputed twice with XXXX and both times they have responded with results that the collection on my Credit Report is accurate. I have spoken with RS Clark and Associates and Mrs. XXXX has stated they are not reporting on my credit that this is a Credit Bureau issue that they are reporting incorrectly and that this could be a result of possibly because I have stayed in the same apartments before.
09/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CT 061XX	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
09/04/2020	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 787XX	Web
I was contacted by RS Clark and Associate about a debt that I paid in exchange for this being removed from my credit record. They never sent the document XX/XX/XXXX as promised and this is still on my credit report erroneously. An email was sent XX/XX/XXXX but I can not download it off XXXX website. There are no records only my bank payment to RS Clark which seem to no longer be in business. The account was # XXXX XX/XX/XXXX R S CLARK & ASSOCIATES XXXX TX XX/XX/XXXX for {$93.00}. Can you help me to get this off my credit record as per my agreement with RS Clark? I was never notified of this outstanding debt. Please assist. XXXX XXXX XXXX
03/28/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 75007	Web
Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.
05/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76133	Web
Apartment complex sent {$730.00} to debt collection against me. XXXX had denied apartment managers claim and I was cleared upon move out almost 2 years ago. XXXX decided to still illegally submit debt and not notify me. I received no notice. I found out about this debt yesterday XXXX XXXX 2015 when applying for a new apartment out of state. So I was never given the option to dispute this which is not legal especially with the way it was reported. I would like to take steps to dispute it but also need to be able to get out of staying in a hotel. I need to know if I pay it to clear my credit if I can still dispute it immediately after
03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77024	Web	Servicemember
I applied for a mortgage and was notified by the lender of this collection account. I called the collection company and informed them that this is not my account. They attempted to verify me and provided the address used located in XXXX Tx which is not my address and is in no way associated with me. They refused to remove the account via phone. I have never done business with, spoken to, rented from, nor have I had any communication with the company for which this debt is owed, XXXX XXXX. This is also impeding on my home purchase process and is affecting my livelihood and credit reports. I need this account removed immediately.
10/19/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 752XX	Web
I have explicitly ask them ( RS Clark & Associates ) several times not to call my number and they continue to call after about a week hiatus. The last three times were XXXX/XXXX/16 at XXXX ; XXXX/XXXX/16, XXXX/XXXX/16. They continue to say they will but turn around and continue to harass my number with their calls. They have called before now and I have asked them not to call my number. They try to verify who I am although I refuse to give them any information as to who number they are calling. I do not know who they are and the fact they continue to harass calling my number every week or so is beyond relentless and tiresome.
12/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30078	Web
The original company XXXX XXXX is trying to collect on an incorrect amount, and has placed it on my credit, in addition to selling account to RS Clark and Associate XXXX in the amount of {$200.00}. I made the last payment in XX/XX/XXXX on the date of invoice for XXXX. I purchased new washer and dryer, and had asked them to please pick up lease XX/XX/XXXX. I only owe for XX/XX/XXXX, and possibly XX/XX/XXXX. the company took their time picking up merchandise, and still charged me until XXXX/XX/XX/XXXX. Please see all attachments. This incorrect derogatory collection has caused my XXXX score to decrease to XXXX.
07/27/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75602	Web
R.S. CLARK AND ASSOCIATES INSTALLMENT Review Response XX/XX/XXXX I have had several letter requesting proof of the original debt sent to my attorney with XXXX XXXX nothing was received. I advised I had a attorney do not call and they called anyway. I went with another party since they did not respond.I advised I was invoked my rights with the Fair Credit Law. This info has been disputed with the company several times and they are refusing to comply with all request. I am asking that the phone call stop, the item is removed for my credit report showing in collections and this is been going on since XX/XX/XXXX
01/23/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75069	Web
I have been disputing this information since XX/XX/XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a HIPPA violation notification XX/XX/2016 to this company. I need forms showing where I signed for these account. Also my HIPPA rights have been violated once any medical information has been shared with any 3rd party agency.
06/25/2016	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75204	Web
I was checking my credit score and I discovered that I have to credit under the name of " RS Clark & Associates '' ( see picture attache ). I never have been aware or notified about that. So I contacted them through their website and they answered with a website called " XXXX '' and they asked me to call them. Like that they can ask me questions but unfortunately I have hearing issue on the phone so I asked them to ask me their questions in the email and I will be glad to answer. No more answer since, but in " XXXX '' I found one Email address, so I tried again to contact, but still nothing.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
This is not my debt. I have requested several attempts for this company to validate this debt with a physical signature of the HIPPA release and a complete payment history.. Sending a bill is not validation. This is a HIPPA violation. I have a right to request documentation with my physical signature. Its evident that this company can not provide proper documentation to collect on this invalid debt. I have been in complete distress behind this company actions destroying my credit. Also, I have filed a complaint with XXXX as well. Until I receive proper documentation this is a HIPPA violation.
03/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33168	Web
On XX/XX/XXXX, I sent you a certified letter to RS Clark and Associates , Inc. requesting that they validate an alleged debt they are reporting on my credit reports, however, they have completely ignored my letter. On XX/XX/XXXX, I sent them another certified letter ( Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), they still have not replied to my. They have failed to legally validate this alleged debt. This is damaging my reports and have caused me thousand of dollars in interest and continues to do. I am requesting that they remove this tradeline from my consumer report immediately.
04/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76227	Web
I have been contacted multiple times by a collection agency that goes by RS CLARK & ASSOCIATES. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/03/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 754XX	Web	Older American, Servicemember
R S clark and associate is attempting to collect a debt from me the first complaint i filed RS Clark stated that i didnt give 60 day notice i am uploading the notice the leasing office of the XXXX XXXX XXXX their client was given by me and the ledger from XXXX XXXX XXXX that the whole lease was paid in full the last part of the lease was money paid by TEXAS RENT RELIEF to XXXX XXXX XXXX that amt was over XXXX i have requested from TEXAS RENT RElief copy of the email that was sent to me that TRR paid the lease off and money was sent to XXXX XXXX XXXX
11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32571	Web	Servicemember
I have reached out to XXXX to have RS Clark and Associates collections XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX removed from my credit report since XX/XX/XXXX. The original debt stems from XXXX XXXX XXXX XXXX XXXX. I informed I have never been seen at this clinic and they have sent it back to me as debt verified XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also asked for details of the visit and they have not been produced. I never signed as a to guarantee to pay for anyone 's bill either. XXXX XXXX XXXX XXXX and understand medical billing very well.
10/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
I sent R S Clark & Associates a request to validate a debt pursuant to Texas Finance Code ( see attachment " RS Clark Dispute '' ). They had 30 days to respond. They did n't. In response to a prior complaint filed with CFPB, they provided an accounting stating that this validates the debt ( see attachment " RS Clark XXXX '' ). It does not meet the requirements under the law and does not validate the debt. They have wholly failed to validate this debt and under the laws of the state of Texas, it must be removed from my credit listings.
06/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76116	Web
To whom this may concern, A previous dispute was completed on my behalf in which R. S. and Associates deleted this account from XXXX of my credit reports. However, this account is still listed on my XXXX credit report. This debt was paid to XXXX XXXX prior to this company attempting to collect any form of debt payment from me. I was not notified by this company they were in an attempt to collect a debt that had already been paid. I do not have a contract with this company nor has any services have been requested by me of them.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 773XX	Web	Servicemember
RS Clark and Associates has illegally violated my federal rights as a consumer against both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Reporting Act ( FDCPA ). RS Clark and Associates actions have caused injuries, damages, mental anguish, and negative impacts to both my character and reputation in which remedy is owed to me due to your negligence. RS Clark and Associates, who indeed is a credit reporting agency, has unfairly, partially, and disrespectfully violated my rights to privacy as a consumer.
08/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75056	Web
This a medical bill that my health insurance should have paid and after months of arguing with Insurance company and collection I agreed to settle with the collection agency, I have ask them repeatedly to delete entry from the credit agency and they refuse, I am sick and tired of collection agencies acting like they can ruin peoples life, without any consideration, some consumers are used by the medical/Doctors over billing of insurance companies, and insurance companies under paying and leaving large balances to consumers
01/11/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75023	Web
I received a call from RS Clark at XXXXXXXX XXXX CST onXX/XX/XXXX. The caller identified herself as XXXX, I properly identified myself and asked her to stop calling me. She said she has to keep calling. I told her a 2nd time to stop calling and that it is my understanding that she has to stop calling. She said no she has to keep calling. I verified her name one more time and told her that I am filing a complaint. I do not want phone calls or letters. Its already on my credit. Please do not disturb me. Thank You
05/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web
R.S.Clark and Associates are inaccurately reporting to my credit repor t ( XXXX & XXXX ) a debt that does not belong to me. This debt as been disputed several times and they are continuing to report it as " verified ''. This debt collection ag ency is in direct violation of my rights and the Texas law by not being properly licensed and bonded in the State of Texas to be a debt collector. They are reporting false information monthly on my credit report, as well as not being legally authorized to do so.
09/18/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30291	Web
Last year in XXXX of 2018 a collection account was placed on my credit report from a company named RS Clark & Associates. After communicating with this company that this debt was false and should be removed immediately I was met with silence. The company has not removed the collection account or furnished any proof that this is a legitimate claim of a debt that I owe to this company. I have also contacted the XXXX concerning this matter for the company to respond and they have yet to respond after XXXX days.
04/28/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web
On XXXX XXXX I received a call on my cell phone and spoke with someone from the company o f RS Clark and Associates. I told th e lady that I am not familiar with their company and have no knowledge of why she would be call. I advised that they do not have consent to contact me in the future and to cease any phone calls. On XXXX XXXX I received yet another phone call from said company with a voice mail being left. This is a direct violation of my rights under the CFPB guidelines and also the FDCPA.
07/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75231	Web
This amount is not owed as I could not be evicted for non payment of rent during the CDC State of Texas oder rent relief program due to Covid 19 I also don't have a contract with R S Clark I have asked for verification of debt which has not been provided by RS Clark and all methods used to verify this debt by RS Clark as this being accurate before they placed this on my credit report ... my last four of ss # is XXXX XXXX XXXX XXXX COMPANY IS RS CLARK And ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
02/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TN 38115	Web
I got a little behind on my payments so I was contacted by a representative and we came to a verbal agreement that I would pay a month payment and then I 'd pay more in a few weeks, but before my next verbal payment was due, they came and retrieved the merchandise while I was at work. Then they added a whole months payment onto my account. I 'm not saying I do n't owe them but I know I do n't owe them what they 're claiming I do. I 've called then several different times for incorrect billing amounts.
05/26/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AR 72704	Web
I questioned this debt after getting harassed by RS Clark via the phone. I had a firm retained to send out for validation of this debt and a cease and desist phone contact order. What they sent back as validation is concerning. It shows my daughter as the guarantor, yet she was XXXX years old at the date of service on the invoice, a medical practice we have never heard of for a specialty my daughter has never required, in state we do not reside in, and a doctors name we have never heard of!
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75904	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
02/11/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75060	Web
I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
07/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75214	Web
A company called XXXX XXXX XXXX XXXX says they have a debt of my from a clinic called XXXX XXXX. So I asked them how much they bought my debt for and they told me they are working with XXXX XXXX. So when I called them they said they had no records for or showing a debt that I owe. I was a patient with XXXX XXXX about 9 yrs ago. I 've been talking with rs Clark for the last couple of days to drop a debt that does not exist anymore.
06/24/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	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! THIS IS NOT MY DEBT!
09/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I contacted this company R.S Associates via regular mail back in XXXX regarding a debt I dont owe for an XXXX XXXX account that I was still making payments to them directly. I have yet to receive anything further from R.S when I asked them to verify the debt as I was still paying the original creditor. This should have never been reported to the credit bureau as the company was cashing all the money orders being sent monthly
12/11/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
Please see my complaint # XXXX. The response was due from RS Clark on XXXX/XXXX/15. They have not responded. They have not validated the debt. They continue to break the law violate my rights and you continue to let them by not following through on the complaints they do n't bother to respond to. This is the XXXX one they have ignored and you DO NOTHING! Please instruct them to remove it from my credit listings immediately.
05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85704	Web	Servicemember
This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 731XX	Web
15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89081	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on RS CLARK & ASSOCIATES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
08/21/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I contacted RS Clark and Associates regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 RS Clark has ignored my request despite it being 72 days since they got the letter. They have not proved this debt.
06/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75034	Web
I was renting a washer and dryer appliance. I paid the last month before my moving into a new unit and asked them to pick it up. I paid them for the last month and they picked up the equipment. A few months later, I saw they put my account in collections for {$110.00}. Ive been having issues with this company ever since I worked with them. I do not owe this debt and I want it removed from my credit report ASAP
12/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77079	Web
This account was paid in full when I returned the rental item. Also, I was never late. A notice was never sent. The company just put it on my credit report. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Please remove it from my credit report.
06/18/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78539	Web
The RS CLARK & ASSOCIATE RS Inc. XXXX XXXX, XXXX XXXX XXXX, Texas XXXX keep calling me to pay the debt since XX/XX/2019. I called them to tell them not to contact me, without my consent of obtaining my personal cellphone number, they said : " they have the right to call me anytime and from a debt collector, not from soliciting business. '' They have numerous number to contact me : XXXX, XXXX, XXXX, XXXX, XXXX
04/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
07/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78521	Web
I sent a debt validation letter to RS Clark and Associates Inc., on XX/XX/2021 and the company failed to validate debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
01/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 780XX	Web
I was just released from the Texas XXXX XXXX XXXX and did not authorize anyone to use my information for any debt, I could not have made this debt nor did I and have asked for documents and evidence to be provided that I was indeed the one that made the debt. The debt is not mine and I need it fixed, My attorney suggested that I file with CFPB prior to seeking a suit against XXXX XXXXXXXX and the client
08/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32246	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks
05/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75206	Web
i was informed of this debt in XXXX XXXX they said i started an apartment lease with centerport landing apartments in forth worth i have tried several times to get information inregards to the lease. the lease is not mine and they keep telling me it is. I have sent several letters and the FTC identity theift report plus a police reports. i need this off my record and have my name cleared
02/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web	Servicemember
I began receiving collection letters from RS Clark and Associates on XX/XX/2022 for a medical debt from the original creditor XXXX XXXX Dermatology and I have disputed the several times. RS Clark repeatedly says the debt is verified. I have disputed the debt and per the US Government, all medical debts under XXXX shall be removed from credit reports. The total of this debt is XXXX XXXX
11/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Web
I sent validation request to RS Clark and Associates. Letter sent certified via USPS on XX/XX/2020. Received on XX/XX/2020. RS Clarke Associates sends letter on XX/XX/2020 a balance listed. A second validation request was submitted certified mail via USPS on XX/XX/2020. Letter received XX/XX/2020. RS Associates sends letter on XX/XX/2020 stating 2nd request was a frivolous request.
03/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79707	Web
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions R.S. CLARK AND ASSOCIATES is trying to collect on a debt that does not belong me
11/08/2021	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	MS 39157	Web
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. This request has been denied and I would like these inaccurate information to be REMOVED. XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : XXXX XXXX Account Number : XXXX
02/22/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75056	Web	Older American
I have spoken to this collections department 3 times and explained what I am able to pay on a past due medical bill, but they continue to call and leave messages almost every day. I made a payment to them on XX/XX/XXXX and will make the next payment on XX/XX/XXXX. I WANT THIS AGENCY TO STOP CALLING ME AT ONCE! RS Clark & Associates, Inc. XXXX XXXX XXXX XXXX, Texas XXXX
09/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70808	Web
The credit reporting agencies allowed a merchant to file a negative report against me without any valid evidence. I explained to the merchant that I have never lived in their apartment complex. After failing to convince them that I was not a residence and that I own a home, I ask for a lease contract with my signature and was send an itemize bill with my name typed into it.
03/22/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77079	Web
Hello, The debt collector neglected to provide me with written verification of the debt. They phoned me and left multiple voicemails during the dispute procedure. Debt collectors are not permitted to call or contact you until they have confirmed the debt in writing to you. This, I believe, is a communication strategy for resetting the clock on an old debt that is not mine.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94801	Web
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Rs clark and associates is on my credit report without my knowledge or consent.
05/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
last year I filed a complaint about this debts collector, they put this negative outstanding debts on my XXXX report, I dispute d this debt an they remove it after I filed a complaint with CFPB. This debt was paid 1 year ago in my Doctor office they turn around an put it on my XXXX report. " CFPB '' complaint history you 'll see the complaint was file one year ago.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75230	Web
I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report. Account info as listed on credit report : Account # - XXXX Original Creditor - XXXX XXXX Debt Amount : {$90.00}
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 31909	Web	Servicemember
DUE TO THAT XXXX XXXX XXXX THE BANKRUPTSY BEING ON THERE LONGER THAN IT SHOULD, I HAVE NOW GOTTEN THE LETTER OF DENIAL FOR SCHOOL LOANS ... .IM VERY UPSET! ATTATCHED ARE THE PROOF OF LETTERS XXXX DDENIAL FROM XXXX XXXX XXXX XXXX WHERE I BANK AT BUT THEY DENIED ME AS WELL FOR A LOAN FOR SCHOOL AND A CREDIT STUDENT CARD. EVEN I GOT DENIED BY COLLEGE AVE. LOAN!
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76209	Web
RS Clark & Associates continues to monthly report a collection for the amount {$130.00} to XXXX and XXXX for an account XXXX that was paid in full on XX/XX/2020. I've called three times and I have sent two letters without any confirmation of this debt being removed from my credit report as it is being wrongfully reported monthly as a collections.
07/14/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	SC 29229	Web	Servicemember
This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
04/07/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 77373	Web
R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit
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.
09/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including R.S Clark and Associates. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
04/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30315	Web
RS & CLARK is reporting an account on my credit report that does not belong to me. I asked for debt verification as allowed under the FCRA in XXXX 2016. They sent me a response dated XXXX/XXXX/16 stating that they need additional time to verify the debt, and that was almost a month ago ... I have yet to receive a response.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 741XX	Web
Rs Clark and associates is still showing an unpaid balance to original creditor XXXX XXXX XXXX. I call XXXX XXXX and they confirm I have a XXXX balance and it was paid 3 years ago but refuses to provide proof. Neither company will communicate with the other and my efforts to dispute with XXXX and XXXX were denied.
09/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75181	Web
on XX/XX/19 i spoke with XXXX XXXX at RS Clark, who agreed to take payment and to remove and delete from my credit. They instead filed new status of late payment instead of delete and remove. I want them to do what they agreed to do and remove and delete from my credit report immediately. account is under XXXX XXXX
04/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
i have disputed this account multiple times with RS Clark and assoc. they have been extremely uncooperative and would not provide any information regarding this account, even when given over 30 days to do so. this account does not belong to me and I have provided documentation on multiple occasions to show this.
03/21/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
I pulled my credit report. I saw I had a collection from R.S. Clark and Associates. I sent a debt validation letter in XXXX asking them to see the contract as this debt was not mine. I asked the company to remove this from my credit report. I have called them several times and they are still " working on it ''.
09/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75078	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Thank you, XXXX
08/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75181	Web
I have asked RS Clark and Associate to remove this from my credit report back in XX/XX/2014. I never got a respond back from RS Clark Associate. Original Balance {$53.00} and Highest {$0.00} Balance.And Status : Chapter XXXX Bankruptcy Dismissed. It's need to be removed from my credit reports.
09/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63020	Web
I want to see a lease with my signature on it with the address that the appliance was supposably delivered too and I want a signed contract with said company with my name on it and I would also like a valid email because the one you previously responded with does not belong to me
05/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web	Servicemember
R.S Clark an d associates has filed an account on my credit report dated XXXX ,2017 which is not a debt that I owe in the amount of XXXX . Never had any dealings with this company ever. Also having knowledge that this company is not authorized to collect any debt in Florida.
12/17/2019	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75098	Web	Servicemember
I received a notification today that a collection was added to my credit report in the amount of {$190.00} for RS Clark Associate. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
03/29/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37067	Web
The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.
09/30/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 77581	Web
Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.
01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75230	Web
I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report
03/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75248	Web
I reached out to RS clark and Associate for information about the account that they say I owe for a contract or information where I opened the account. However they never contact me back. I have never had an account nor contract with this company ever.
12/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77079	Web
The company didn't provide a signed contract that I owe {$130.00}. Also, I was affected by a XXXX XXXX back in 2017. LATE PAYMENTS WERE DUE TO THE XXXX XXXX XXXX XXXX OR OTHER CAUSES BEYOND MY CONTROL. ( XXXX ). Please see the attached documents.
03/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77079	Web
Hello, The debt collector failed to verify the debt in writing to me. also using the suite process they have contacted me and left voice mails. Debt collectors cant call or contact you until they verify the debt in writing to you.
02/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32701	Web
I contacted the company and they agreed that the debt would be removed from my credit report as soon as possible once I have made payment and cleared debt. I was also told I would receive a receipt confirmation by email.
11/17/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73071	Web	Older American
R S Clark refuses to take a debt from XXXX XXXX XXXX off of my XXXX report. It should not be there as it is a medical bill under {$250.00}. They removed it from my XXXX report but refuse to remove it from my XXXX report.
09/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
Please clarify what is insufficient information? I provided a dispute letter and ID to verify my identity. Please provide a copy of supporting documents to support the debt bearing the original creditor.
09/04/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75254	Web
I have sent RS CLARK ASSOCIATES two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$63.00}. The company has failed to respond to verify.
05/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33909	Web
On XX/XX/XXXX, a collection that I do not recognize and is not mine was charged to my credit by the company Rs Clark & Associates for XXXX dollars and that debt is not mine. My name is XXXX XXXX XXXX.
05/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
RS Clark is reporting that they are collecting on behalf of XXXX XXXX and XXXX. This business is no longer valid. I have tried to reach the original business and it is no more. Is this fraud?
10/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30263	Web
They continue to state i owe them {$69.00} for a rental agreement that was paid off on XXXX XXXX which i have proof of payment. They will not remove it despite the multiple disputes.
05/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92311	Web	Servicemember
I checked my credit and saw a report from RS CLARK ASC for XXXX XXXX XXXX in the amount of {$350.00}. I have no earthly idea where this debt stems from or who the company is.
05/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75119	Web
RS Clark is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.
08/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77706	Web
I never received notification of debt and never received information about disputing debt and never received verification of debt either. Delete off my credit report.
12/22/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75067	Web
Company is attempting to collect way more than the amount owed. Court documents showed a balance of {$700.00} usd. With RS Clark & Associate.
07/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75216	Web	Older American
THIS DEBT IS PAID IN FULL AND OUTDATED. I HAVE ASK THE CREDIT BUREAUS AND THE CREDITOR TO REMOVE THIS PAISD IN FULL AND OUTDATED TRADELINE.
03/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75228	Web
The collectors have failed to prove that I owe this debt. They have not provided me with any verification that the debt belongs to me.
03/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web
R S and Clark collection is not mine please have it remove and delete from my credit report I never heard of this company
01/19/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76210	Web
I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.
03/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 752XX	Web
This {$75.00} debt was paid to XXXX XXXX XXXX already. I had to pay before being seen. I do not owe this debt.
10/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75237	Web	Servicemember
This debt was paid & closed by me in 2018. They are still trying to receive money not owed to them.
07/28/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75154	Web
They are sending me notices of debt but I don't owe them anything
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29316	Web	Servicemember
Debt was paid and account closed
02/02/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72215	Web

01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75208	Web

01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75208	Web

01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78016	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77478	Web

01/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33541	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 276XX	Web

12/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web	Servicemember

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92253	Web

11/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33920	Web

10/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89107	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79423	Web

09/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web

09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63020	Web

09/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63020	Web

09/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72215	Web

09/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Postal mail

08/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60617	Web

07/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75503	Web	Servicemember

06/20/2023	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 79928	Web	Servicemember

05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77503	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75034	Web

04/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77017	Web

04/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35206	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75023	Web

04/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75237	Phone	Older American

02/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Web

02/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77084	Web

02/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32211	Web

02/01/2023	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 75216	Web

01/24/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75001	Web

01/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75232	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27545	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75230	Web

12/11/2022	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 75104	Web

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	TX 75104	Web

11/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27529	Web

10/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76132	Web

10/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30326	Web

08/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91325	Web

07/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 38637	Web

06/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91325	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

05/24/2022	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 78566	Web

05/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76010	Web

05/16/2022	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	GA 30096	Web

05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75040	Web

03/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75159	Web

03/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30338	Web	Servicemember

03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76155	Web

02/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31909	Phone	Servicemember

12/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76021	Web

12/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39305	Web

11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30093	Web

11/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77047	Web

10/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76120	Postal mail

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

09/08/2021	No	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	GA 30346	Web

09/03/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75089	Web

09/01/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75236	Web

08/02/2021	No	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 78566	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OK 74340	Web

07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30188	Web

07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web

07/03/2021	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 78566	Web

07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31405	Web	Servicemember

06/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web

06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75140	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30013	Web

05/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36605	Web

03/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73045	Web

02/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76006	Web

02/08/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75409	Web	Servicemember

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75126	Web

12/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75067	Web

12/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75006	Web

11/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75056	Web

11/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30329	Web

10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35758	Web

09/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77047	Fax

09/04/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Fax

07/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78415	Web

07/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28027	Web

06/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75023	Web

06/17/2020	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	LA 70130	Web

04/28/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77002	Web

04/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30106	Web

04/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75075	Fax

03/09/2020	No	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 75056	Web

02/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32256	Web

12/24/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77075	Web

10/11/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC 20018	Phone	Servicemember

09/19/2019	No	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 75050	Web

08/15/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76010	Web

08/11/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78730	Web	Older American

07/25/2019	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75038	Web	Servicemember

07/20/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web

07/19/2019	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75201	Web

06/14/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75025	Web

05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30274	Web

05/03/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30046	Web

04/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77094	Web

03/20/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

03/15/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75019	Web

03/08/2019	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75068	Web

03/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75007	Web

02/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75007	Web

02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77041	Web

11/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

11/04/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web

10/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web

09/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33308	Web

08/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75248	Web

08/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75071	Web

06/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75081	Web

06/23/2018	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web

06/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75034	Web

06/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76112	Web

05/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30318	Web

04/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

04/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75070	Fax

04/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web

03/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76248	Web

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76039	Fax

03/14/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75050	Web

03/01/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75050	Web

02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76133	Web

01/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75093	Web

01/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77083	Web

01/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33756	Web

12/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43227	Web

10/19/2017	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	TX 75023	Web

10/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

10/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

09/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

08/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

08/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21040	Web

07/04/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75241	Web

07/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75068	Web

05/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37130	Web

05/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75160	Web

05/02/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75013	Web

04/20/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75053	Web

04/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77346	Web

04/02/2017	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	TX 76039	Web

03/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75001	Web

02/20/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 75137	Web

02/18/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75146	Web

12/28/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 72564	Web

12/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 17268	Web	Servicemember

12/16/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 75050	Web

12/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75052	Web

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28215	Web

12/12/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	TX 75106	Web

12/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75204	Web

11/23/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40444	Referral

11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11434	Web

09/21/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75052	Web

08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76103	Postal mail

06/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75087	Web

04/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77014	Web

03/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75106	Web

02/29/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30308	Web

02/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30311	Referral

01/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75010	Web

12/08/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77095	Web

11/19/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75034	Web

11/13/2015	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 77084	Web

10/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web

09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75223	Postal mail

09/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70128	Web

06/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75119	Phone

05/10/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76039	Web

05/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75230	Web

05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76034	Web

04/07/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75013	Web

02/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63144	Web

02/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75181	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77518	Web

12/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75204	Web

10/23/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33609	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95376	Web

10/07/2014	Yes	Debt collection Medical	False statements or representation Indicated shouldn't respond to lawsuit	TX 75040	Web

08/27/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75028	Web

08/05/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20785	Web

07/24/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75241	Web	Older American

07/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75106	Web

07/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75232	Web

07/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75088	Web

06/14/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75106	Web

06/01/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75106	Web

05/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85258	Web

04/17/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	TX 75110	Web

04/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77084	Web

04/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76458	Web

04/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

03/20/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70508	Web

03/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76541	Postal mail	Servicemember

03/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76541	Postal mail	Servicemember

02/27/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	TX 75110	Web

02/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75150	Referral

01/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77845	Web

01/16/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76227	Web

01/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75051	Web

11/20/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 77535	Postal mail

11/04/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76009	Postal mail

10/22/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77565	Web

09/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75429	Web

09/19/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75025	Referral

08/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33141	Phone	Servicemember

07/31/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77049	Web