RSH & Associates, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94589	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 XXXX XXXX XXXX, 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. 1. RSH & ASSOCIATES LLC bal. {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 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
04/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64055	Web	Servicemember
RSH & Associates and I had an agreement to take out {$53.00} out of account every other week for my debt for 10 months, this went fine for 1 month and then they took the amount out back to back weeks and my husband called them on this and they refunded the money, and then he left a message which mentioned that they had broke the terms of the verbal agreement and that they would no further take any money until further discussion was made. Monday morning XX/XX/2018 we received a phone call about XXXX and my husband began to speak and ask who was calling and the individual did not give who he was or who he was from as is required by law until my husband asked and then he gave the info who he was and who he was from. My husband asked : why they had broke the terms of the verbal agreement and why they had not sent something as the law requires, and XXXX got extremely XXXX and said : " what law is that, what law is that XXXX. XXXX '' ... .to which my husband replied : a written notice of debts, XXXX said : we sent one in XXXX, my husband replied : we never received it, to which XXXX said : we have confirmation that you received it, my husband : well unless you sent someone out and put it in our mailbox you don't have confirmation, mail get 's lost and it was never received here, XXXX said : well you're local so were sure you received it. The conversation went on about it ever being received and then went to XXXX saying : well the payments have been cancelled per your husbands request and there is a balance due of {$970.00} and we want payment in full or we will turn this over to credit bureau and to the owner of the debt, he stated this twice while my husband tried to explain to him that we would like to keep the payment arrangements but want to make sure that when the verbal agreement is made that they do not continue to take it out when it shouldn't be to which XXXX said : we will sure try not to, my husband then ended talking with him when he said to XXXX : the one thing I have not heard this whole time is an apology for breaking the verbal agreement to which XXXX said : on behalf of rsh I would like to apologize. I XXXX then took over and wanted to make sure that we could continue to make payments and XXXX wanted to know why it would take 10 months to complete amnd wanted to know where I and my husband worked, my husband refused to tell him and he XXXX began to raise his voice as he had many times throughout the conversation and told my husband well we need to know why it's going to take so long, I XXXX took back over and made payments arrangements
12/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
This letter is a formal complaint against RSH & Associates , LLC, a collection agency located a XXXX. XXXX XXXX XXXX, Kansas XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I XXXX XXXX take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Please investigate the collection practices of this company, specifically in my particular case. I 'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these four accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional.
10/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web	Servicemember
To Whom It May Concern, Account Number : # XXXX / RSH & Associates LLC. Reviewing my annual free credit report, ive notice RSH & Associates LLC negative account on my credit report. I have never heard, never signal a legal binding contract with RSH & Associates LLC or I have never heard or received any documentation from RSH & Associates LLC. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope from RSH & Associates LLC. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from RSH & Associates LLC referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), RSH & Associates LLC is NOT following guidelines of what constitutes proper debt validation. I have NO contract with RSH & Associates LLC, I am not obligated to buy for the alleged debt RSH & Associates LLC is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and RSH & Associates LLC a ccount is negatively impacting my ability to qualify. Thank you for your attention, XXXX XXXX
08/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 662XX	Web
I have a medical collection showing on my credit report from RSH and Associates LLC. From what I can see from my credit report, this debt is over two years old and for the amount of {$2500.00} To be specific, this debt is actually from XX/XX/XXXX. My first issue with this account : I didn't get any paperwork or a letter from this collection company whey then this account was placed with their office. My second issue : I requested a proper validation of this debt in XX/XX/2020 when I found this debt out about this debt. The collection company sends me a letter stating that I don't have the right to request a validation of the debt because my time to dispute it has ran out, but they demanded payment in full anyways. I sent a request again, and the second letter states that they verified the debt with XXXX XXXX XXXX. ( Don't have a clue who this XXXX center is ) and it's accurate. So pay them. I contact the original creditor, and they direct me back to the collection company. My third issue : This collection company is reporting inaccurately on my credit report. Per my financial and credit advisor, this debt shows no last day of activity on the account, which means that this debt could be re-aged at any time. So if this company wants, they could update this account to keep it on my credit longer then the seven years, and they have responded to my disputes with the credit reporting companies twice now without updating the last day of activity on the account. How is it possible that a collection company can demand payment on a debt with reporting it properly or providing any documentation regarding what they claim I owe.
01/12/2021	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 77566	Web
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
07/26/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	KS 661XX	Web
I was contacted by phone on XXXX XXXX, 2015 by RSH & Associates , LLC. I was told they had been contracted by XXXX XXXX XXXX to collect a debt. I advised them I was still working with the hospital attempting to get financial assistance and I was told they would " mark my file. '' I was continually called and began receiving mail. On XXXX XXXX, 2015, I sent a letter requesting debt validation and requested that all future communication be in writing. I continued to receive calls. After several months, I was unable to get financial assistance from the hospital, I once again requested debt validation and a settlement request from the collection agency in writing. I received neither but I did receive more phone calls. Finally on XXXX XXXX, 2015, I sent my final letter, stating that I had never received any debt verification from their company and continued to receive at minimum a weekly phone call from their office when I requested all communication be in writing. I again requested debt validation XXXX final time and even gave them an email address to send the information to. I never heard from them again until today. I pulled my credit report to find they have put a collection on it. I have been paying XXXX XXXX XXXX directly for over a year and I have copies of cancelled checks to prove that. Not once has a check been returned or made out to anyone other than XXXX XXXX XXXX. I have no idea why this collection agency is reporting to my credit when they have never verified the debt and never followed the FDCPA when I requested all communication be in writing.
07/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web
Upon reviewing my credit report I noticed accounts from RSH AND ASSOCIATES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to RSH. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. RSH has NOT complied AT ALL with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
01/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64114	Web
After reviewing information on my credit report, I noticed that there were two accounts held by a RSH & Associates LLC. I was and currently am unaware of what these accounts are or who they are for. I disputed the accounts with all three bureaus and within three business days the bureaus said that information had been sent to them by RSH verifying that the accounts were correct, mine, and needed to be paid. I requested that the information that was sent to verify these accounts be forwarded to me, but never received anything. On XX/XX/2019 I sent certified letters to RSH directly requesting verification of these debts. Seeing as how they had sent information back to the credit bureaus within three days, I don't think it would take long or be a problem. The letters were received and signed for on XX/XX/2019. As of today, XX/XX/XXXX, I have yet to receive ANY correspondence from RSH. I reached out to a customer service representative and was told, very rudely, that it is not their responsibility to provide debt verification. It is obvious that they don't have any true information on this account or it would have been provided seeing as how they are wanting to get paid.
08/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 647XX	Web
I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017
03/20/2018	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	MO 64083	Web
I wrote XXXX several times regarding the inaccuracies they are reporting on my credit report on behalf of RSH & Associates LLC for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask XXXX to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to XXXX was XX/XX/XXXX and again on XX/XX/XXXX. XXXX responded that after the investigation they concluded the information reported by RSH & Associates LLC was accurate and the collection remained on my report. XXXX did not require the company provide them or me with debt validation as I requested and XXXX was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to RSH & Associates LLC to demand they validated the debt they are reporting to XXXX. RSH & Associates LLC has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.
10/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66030	Web
The following report is showing in my credit and I have not been treated by this place. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$160.00} Outstanding Payment History Youve made 0 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC N/A CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due BR Bankruptcy RF Repossession / Foreclosure CC Collection / Charge-off N/A No Data Available Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$160.00} Unpaid Balance {$160.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Collection Agency RSH & ASSOCIATES LLC
02/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64012	Web
XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.
08/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63368	Web
I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with XXXX. I promptly disputed this account with XXXX, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.
01/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66102	Web
In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.
06/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IA 50023	Web
I called XXXX XXXX & XXXX XXXX XXXX XXXX in XXXX XXXX, KS. I told them that I had no insurance and asked what the cost of an adjustment was and was told {$42.00}. I made an appointment, was adjusted and when I had to pay they said that I owed {$130.00}. I about cried. I paid {$65.00} at the time of the visit and fought the additional {$69.00}. It was wrong what they did! They told me that it would be sent to collections which it was. I went ahead and paid the {$69.00} just to keep it off of my credit report. They are now saying that I still owe {$76.00}. They stated that they gave me a discount at first but since I did not pay it in full right away they are charging me an ADDITIONAL charge of {$76.00}. I went in thinking that I would have to pay {$42.00}, I ended up paying a total of {$130.00} ( which they stated I owed as of XXXX 2014 ) and I have the remaining balance of {$76.00} with RSH & Associates in Kansas. This is NOT right!
11/08/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 662XX	Web	Servicemember
Somehow this company has obtained my work phone number. A co-worker came by my desk to ask me if I was XXXX ( maiden name ), since she knows me by my married name. I said well yeah, but that has n't been my name in over 5 years, she then said oh ok well there is a XXXX XXXX asking for you on hold I picked up the phone and this man immediately began to yell at me about an outstanding medical bills. I have no outstanding medical bills. I kept trying to interject to ask him to please not call me at work and he continued to talk over me and yell, refusing to let me get a word in edgewise. Completely rude and unprofessional. If indeed I owed anything, NOT the way to do business and certainly not any way to get anyone to willingly cooperate with you.
03/01/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	KS 66215	Web
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are unchristian like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
03/01/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	KS 66215	Web
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
08/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KS 66213	Web
My ex husband owes XXXX plus dollars for my son 's medical bill. First the debtor tried to pin the debt on my son who was XXXX when he had XXXX. I got that issue resolved by complaining to the Attorney General. Despite me giving my ex husband 's Name, Address, Phone Number, Social Security Number and Divorce Decree stating he owes for medical, the debtor, RSH & Associates is now going after my husband ( my son 's step father ) - even though I have it clearly in writing by the debtor stating : 'It is my understanding that XXXX XXXX is 'not financially responsible for your son 's account. That was my error, I apologize. I have corrected that in our system. ''
01/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60187	Web	Servicemember
I received on XX/XX/XXXX a letter from RSh debt collectors in Kansas a statement that said I owed {$250.00} to XXXX XXXX. I emailed them on XX/XX/XXXX requesting a statement of verification including the billing statement to verify the debt. As this chiropractor never mailed me any statements of money due. I requested this information on XX/XX/XXXX and by XX/XX/XXXX the balance was posted to my credit. I still havent received anything from RSH Creditors apparently a good Christian debt collector. I have now sent 3 emails. This goes outside of the act as they were supposed to send me the proper information or further correspondence as to this debt.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web
I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXX FOR {$450.00} ACCOUNT NUMBER XXXX
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 66062	Web
I received in the mail a notice that my account had been sent to collections. This was the first and only correspondence about the bill going to collections. I received no call from the company or any emails from the company. This was the first thing I get. they gave me no time to correspond with them about making any arrangements or trying to find out information about the cause of lateness. I feel this could have been avoided if they had taken the time to reach out to me. They had all my contact information.
05/16/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	KS 662XX	Web	Servicemember
This company claims to be a Christian company but their tactics are abhorrent! Repeated abusive and hateful phone calls ( so many that I can't even count them ), foul language, name calling, threatening to cost you your job by contacting your employer and telling them you're a thief. When you ask who you owe and what it's for they claim they don't need to give you that information they just want you to pay them immediately. They threaten legal action, threaten to make you lose your home. They are just shady.
10/05/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	KS 66213	Web
I had agreed to make a payment with collections company, and provided payment information. The collector called me nearly 30 days later to report the payment was declined, although the funds were available at the time. He failed to state mini-miranda prior to disclosing account information. In addition, he stated he is only required to say it on one call, not any subsequent calls.
04/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64015	Web	Older American
These debts were incurred by my wife alone. They have never been joint accounts, but RSH Associates in XXXX, KS are listing them as a joint accounts on MY credit file. XXXX was for a voluntary XXXX and XXXX was for mental health counseling while we not living together. I want these items removed from my credit file as they are not mine and I have no responsibility for them.
07/17/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	KS 66062	Web
RSH & Associates and XXXX XXXXXXXX will both not stop calling me despite me putting my number on the Do Not Call registry and blocking both of their numbers. XXXX from RSH repeatedly calls me from several numbers despite me telling him to stop, and that I keep blocking his numbers. He acknowledges this and keeps calling me all hours of the day for months on end.
06/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 151XX	Web
This debt showed up on my credit report, I have never dealt personally with XXXX XXXX. I have asked them to provide proof of this debt and they ignored my request. I have disputed the debt with XXXX but they state that the debt is valid but again I see no proof of this. The collection company is has been harassing me.
08/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73160	Web
RSH & Associates showing a collection opened XX/XX/XXXX, however, the are not showing a date of last activity, however they keep reporting it monthly even though it is over 4 years old. The date of last activity needs to be shown.
09/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OK 73160	Web
RSH & Associates is not showing date of last activity with the credit grantor. I know this is more than two years old because I have not had any medical issues within the last two year.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO XXXXX	Web
There is {$530.00} fraudulent medical collection account still reflecting on my XXXX credit report even after submitting a multitude of identity theft documents.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77356	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77338	Web
Insurance claim filed back in XXXX, due to XXXX surgery, that my insurance company was responsible for and has since paid, some time ago.
11/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95823	Web
Do not have any legal binding accounts with this company Have no idea who this company is. I have never had an account with this company
04/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66441	Web
This is a unknown medical bill listed on my credit file which I have disputed and nothing has been given for validation please help
01/10/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 64112	Web

06/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64057	Web

05/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95746	Phone

01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64055	Web

11/19/2022	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	TX 77357	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77301	Web

05/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66213	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95608	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77301	Web

01/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64507	Web

10/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66062	Web

09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77301	Fax

05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

02/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63156	Web

06/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64081	Postal mail

10/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76137	Web

10/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64130	Postal mail

08/22/2018	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 Investigation took more than 30 days	MO 64131	Web

08/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75061	Web

11/27/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web

10/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23092	Web

08/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76034	Web

08/03/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76004	Postal mail

04/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 67218	Web

01/27/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 64030	Phone	Servicemember

06/10/2016	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	KS 66062	Web

09/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64081	Web

08/18/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MO 65109	Web

02/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76247	Web

01/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76021	Web

11/26/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MO 92101	Web

11/20/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	MO 65714	Phone

10/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63017	Web	Servicemember

10/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76244	Web

10/02/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 64131	Web

09/29/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MO 64015	Web

05/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66061	Web	Servicemember

05/10/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 79118	Web

03/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 66224	Web

02/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76103	Web

12/12/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KS 66213	Web

08/14/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64083	Phone