S&S Physician Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77096	Web
Potential Legal Ramifications of Disclosing Medical Data on a Credit Report, I am writing to demand the removal of medical accounts on my credit report. The XXXX accounts reporting are from XXXX XXXX XXXX As a consumer who values the protection of personal information, I believe it is important to highlight the potential legal ramifications associated with the inclusion of medical information in credit reports. As you may be aware, various federal and state laws govern the privacy, security, and appropriate use of medical information. These laws include but are not limited to the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Credit Reporting Act ( FCRA ), and state-specific laws governing medical privacy and consumer rights. It is essential to consider these legal frameworks to ensure compliance and protect the rights of consumers. HIPAA : HIPAA regulates the privacy and security of protected health information ( PHI ). Disclosing medical data on a credit report without the consumer 's explicit consent could potentially violate HIPAA 's privacy provisions. Healthcare providers, insurance companies, and other entities covered by HIPAA must be cautious about sharing medical information without the necessary legal authorization. FCRA : The FCRA regulates the reporting and use of consumer credit information by credit reporting agencies. it is generally understood that the inclusion of medical data in credit reports could raise concerns about fairness, accuracy, and potential discrimination. Credit reporting agencies are encouraged to exercise. There is also the issue i did not give consent, written instruction or permissible purpose to share this information. Regulatory Enforcement Actions : Regulatory agencies such as the FTC and federal banking agencies can initiate enforcement actions against financial institutions for GLBA violations. These actions can result in cease and desist orders, fines, and other corrective measures Including but not limited to civil penalties, injunctive relief and jail time. Failure to comply with the applicable laws and regulations regarding the disclosure of medical information on credit reports may result in legal consequences, including but not limited to : a. Legal action from affected consumers, including potential claims for privacy violations, damages, and injunctive relief. b. Investigations and enforcement actions by federal and state regulatory agencies, such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorneys general, HHS and OCR XXXX Reputational damage, which can adversely affect the credit reporting agency 's standing in the industry and its relationships with consumers, businesses, and other stakeholders. Given the potential legal and reputational risks involved, I strongly urge you to exercise diligence and caution when it comes to the disclosure of medical data on credit reports. Prioritize compliance with applicable federal and state laws, conduct thorough reviews of reporting practices, and implement robust security measures to protect the privacy of consumers ' personal information. These are hefty violations with serious and expensive penalties and fines, I hope you will give due consideration to this matter, as it concerns the rights and privacy of consumers. I am prepared to seek legal remedy under Fcra, fdcpa, glba Hippa, ETFA and all applicable privacy and state laws if items are not deleted. I would also like to make it know this company does not have a certificate of authority to transact business in the state and this is a breach of the arbitration agreement. Thank you for your attention to this important issue. I only ask that the information is deleted and never reported again Sincerely,
05/11/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77095	Web
Last year in XX/XX/XXXX, I reached out to Harvest Associates Inc., for the XXXX time regarding XXXX inaccurate and erroneous accounts : the XXXX account in the amount of {$660.00} for services they claimed was rendered on XX/XX/XXXX and the XXXX account in the amount of {$620.00} for services they claimed was rendered on XX/XX/XXXX. Both inaccurate and erroneous accounts are listed on my credit report. I previously sent Harvest Associates Inc., a letter explaining to them that both of my insurance companies did not receive any claims from Harvest Associates Inc or the original creditor XXXX XXXX XXXX. My primary insurance company XXXX. My secondary insurance was with XXXX which paid for any additional expenses my primary insurance would not cover. I contacted via phone both of my insurance companies and they stated to me that no claims were submitted to them for either {$620.00} or {$660.00} amounts from Harvest Associates Inc and/or XXXX XXXX XXXXXXXX. I even sent another letter to Harvest Associates attaching a copy of both insurance cards requesting them to call, write and verify with both insurance companies that my plans were active on the dates they claimed I received services on. However, Harvest Associates refused to follow-up with either insurance companies. I also requested the validity and accuracy of Harvest Associates Inc., last investigation of both accounts. However, I received a certified letter back from Harvest Associates stating that : " we have verified with the creditor that services were provided to you, or you are listed as guarantor on the account. According to the creditor 's records, the balance reported is still outstanding. " Harvest Associates did nothing to assist me and never contacted XXXX or XXXX. So, both accounts went straight to collections with Harvest Associates after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$660.00} and after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$620.00}. Harvest Associates refused to remove both accounts from my credit report and the credit bureau claimed that they had researched both collection accounts and had verified that the items had been reported correctly. This is not true because I sent the credit bureau proof that I had XXXX types of insurances on the service dates and the account numbers listed on my credit report for both Harvest Associates accounts is listed incorrectly. The credit bureau researched, verified and kept incorrect and erroneous accounts listed on my credit report. Both accounts are listed with different agency names on my credit report and not reflecting Harvest Associates Inc. To that end, Harvest Associates even have the name of my street misspelled on their letter.
06/06/2023	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 770XX	Web
I did not give HARVEST ASSOCIATES INC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. HARVEST ASSOCIATES INC and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give HARVEST ASSOCIATES INC permission which is another violation. TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with HARVEST ASSOCIATES INC yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing XXXX different dates violating me even further. My complaint is also with XXXX who is allowing HARVEST ASSOCIATES INC to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX.
10/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77429	Web
My medical debt was paid by me on XX/XX/XXXX {$680.00} to Harvest Associates Inc and I received a receipt it was paid. Requested it to be removed from my credit immediately. Called my medical insurance company on XX/XX/XXXX and was told they paid the debt as well on XX/XX/XXXX {$650.00}. I requested a transcript of all medical payments for XXXX since I never received them. I contacted XXXX XXXX XXXX XXXX XXXX and was told they did not know how to retrieve the virtual payment online, per the associate. Per a three way call with XXXX XXXX to my insurance company. I was able to get the insurance company to stop pay and reissue the payment sent on XX/XX/XXXX. Did three way call again another 2 times for payment to be reissued. Faxed copy of payment receipt to XXXX XXXX XX/XX/XXXX. My Insurance company would not allow me to cancel a payment to be reissued. Had to come from XXXX XXXX. Tried to get my insurance company to make the payment to me on XX/XX/XXXX was told the XXXX XXXX XXXX billed them it had to be paid to them. I faxed XXXX XXXX copies of receipt from Harvest Associates payment on XX/XX/XXXX and XX/XX/XXXX. Did not receive any contact from XXXX XXXX until XX/XX/XXXX requesting payment and I explained the issue again. I received a text to pay the {$25.00} co-payment on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to tell them again the bill was paid in full to Harvest Associates and I will not be paying the {$25.00} co-payment until I receive a refund of {$680.00}. Per XXXX XXXX XXXX no one reported to them it was ever paid. Per XXXX XXXX they contacted Harvest, on XX/XX/XXXX was waiting on response. On XX/XX/XXXX XXXX XXXX sent them a copy of the receipt again and was told it had to be researched. Not sure why, its a receipt they provided to me on XX/XX/XXXX. Called Harvest on XX/XX/XXXX, to avoid this letter and was told I would get a call back on Friday XX/XX/XXXX or Monday XX/XX/XXXX with a refund status. The owner that cuts the checks will be out till Friday XX/XX/XXXX or Monday XX/XX/XXXX. No contact from Harvest. I feel Ive been a victim of fraud.
06/19/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77433	Web
PATIENT : XXXX XXXX PROVIDER : XXXX XXXX XXXX Collection : HARVEST ASSOCIATES I, XXXX XXXX, XXXX, TX XXXX ( XXXX : XXXX XXXX ) Emergency SERVICE DATE : XX/XX/XXXX XXXX XXXX of Texas CLAIM # : XXXX I went to XXXX XXXX XXXX at XXXX, TX on XX/XX/XXXX and was treated by XXXX XXXX . I gave all insurance and contact information to the staff. I only received one bill from the hospital and paid in full when I received the bill. It is in XXXX, XXXX, when checking my credit report, I noticed there is a collection of {$1400.00} against me. I called the hospital and was told it is from the doctor, not from them. I had not and have not received any bills from the doctor and the collection. So, I called the the collection, and according to them, the doctor did not get my contact and insurance information from the hospital and thus gave the debt to them. They admitted that neither the doctor nor the collection have ever contacted me about the bill because they don't have my contact information. I told the lady it was not my fault because I gave the information to the hospital and they had my information and sent me the bill and the insurance claim for their part. It is the doctor 's and the hospital 's responsibility communicate the information correctly and timely. It is unfair to penalize the consumer by putting this directly to the collection and to the credit report, negatively impacting my life. I also gave her the correct address and the correct insurance information. She promised the collection record would be removed from my credit report after the insurance paid. However, after they successfully claimed the insurance on XX/XX/XXXX, the collection record is still on my report showing a smaller amount due. Fine, if it is something I owe I will pay, but until today I have not received anything in the mail from them. It is very unethical that they did not do what they promised, which is not my fault from the very start to the end anyway, and did not communicate anything once they have got the money. I called their number, but could not reach them this time.
03/26/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77706	Web
To whom it may concern, I received a bill from you on XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is an alleged debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. 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. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. Also, note that the Texas Statue of Limitations is 4 years. The alleged debt is 4 years old.
04/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web
XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. Harvest Associates Inc is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/XXXX who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
04/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web
XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. XXXX XXXX XXXX is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/29 who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
10/17/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77016	Web
I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. Best Regards, XXXX
03/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Dear Sir or Madam : I notice a collection account for XXXX XXXX with account # XXXX. The original Account # XXXX is with a balance due of {$960.00}. Ever since 2013 when it was first reported to the credit bureaus, i disputed the creditors in question in writing via US Postal Mail and demanded proof under the Texas Finance Code section 392.202 ( b ) that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Section 392.202 ( b ) of the Texas Finance Code requires the debt collector to provide a Statement that verifies the accuracy, confirms the inaccuracy or states that they have not yet completed their investigation or determination. There is a requirement that response be provided within 30 days of request, however the response can state that they have not yet completed the investigation. So far XXXX XXXX has been able to provide NO such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. Despite credible debt validation letters sent & their obligation to cease collection activities, XXXX XXXX showed willful ignorance to the law with inaccuracies in their response times. Under TX Finance code section 392.202. ( b ) collectors are required to delete their reported collection if they do not provide their statement within 30 days of request & have the option of re-inserting the reported collection if they have legitmately validated
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. On XX/XX/XXXX I sent a second dispute to XXXX regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. XXXX sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. XXXX did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that XXXX furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. Harvest Associates INC and XXXX for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.
03/20/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77346	Web
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
03/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77060	Web	Servicemember
Harvest Associates INC. has reported an alleged debt of {$950.00} to the credit bureaus but never sent me anything validating the suspected debt or any form of verification in the mail. I sent them a request which was delivered and signed for on XX/XX/2023, at XXXX XXXX via certified mail with a return receipt ( attached ) asking for validation but Harvest Associates INC failed to respond within the 30-day timeframe allotted to them. I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to validate and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ) they must validate the alleged debt if requested. They have failed to respond to my request to validate and/or verify the alleged debt within 30 days. They also failed at notifying me before claiming it on my credit report. Due to their failure to respond and unfair practices, I am expecting immediate removal of the alleged debt from all credit reporting agencies, ( XXXX, XXXX, XXXX ) and that the alleged debt in its entirety along with any assumed fees is promptly deleted from their files and all public files due to their failure to validate it within 30 days of my request. I consider this matter closed and the alleged debt to be void. Please Note : This information does not mean I agree to the alleged debt being claimed against me.
01/17/2022	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 77449	Web
I have reached out to XXXX regarding erroneous, and unvalidated information from XXXX collection agencies, XXXX of which has since stop reporting on it's own after I asked the company to validate the alleged debt. The XXXX remaining collection agencies are Harvest Associates and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given Harvest Associates nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts. 15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
12/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
I was living abroad during the period of XX/XX/XXXX- XX/XX/XXXX as an expat. Upon repatriating, I found that my credit score was severely affected due to a number of fraudulent accounts reported under my name. I disputed those accounts and was able to have them removed except the one reported by " Harvest Associate Inc. '', which is shown as in collection, with the original creditor listed as " XXXX XXXX XXXX '', a hospital XXXX XXXXXXXX that I have never visited in my entire life, let alone during the reported year of XXXX, where I was physically living in XXXX / XXXX. There is simply no possible way that I could rack up a medical bill when I was on a different continent!! I was able to successfully dispute this account with XXXX. However, XXXX insists that the record from Harvest Associate Inc. is correct, without conducting any actual investigation. " Harvest Associate Inc. '' also insists that the collection account is definitively mine, even though they could not provide any definitive proof ( they could not have because, again, I was not physically in the country when the medical cost was incurred ). This record has negatively affected my ability to secure an apartment lease when I first moved back to the US. After multiple disputes, both XXXX and Harvest Associate Inc. still insist on upholding their false claims. Now it's affecting my chances of getting a mortgage for my new home.
06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
ftc violaton reporting debt that is not mine sent police reports decades ago Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX, MA, XXXX Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX XXXX, XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX, XXXX, TX, XXXX
06/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77584	Web	Older American
New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.
10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77521	Web
Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues. Also, I have verified my identity multiple times. They have been done through the phone, mail and fax. The following are dates that I have tried to communicate and I will be attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
06/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
This company is trying to collect {$360.00} from me for a medical bill they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
03/28/2023	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 77067	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. XXXX : # XXXX, Harvest Associates Inc : # XXXX, XXXX XXXX XXXX XXXX : # 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 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.
03/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web
Harvest Associates is reporting a collection account on my reports that I have been disputing for a while now. I sent them a letter requesting for verification of this debt. In return of my dispute they sent a letter stating that the original creditor is XXXX XXXX and that the balance they say I owe is {$2500.00}. They have not sent any sufficient documents or proof that this account belongs to me or that XXXX XXXX gave Harvest Associates permission to collect on this debt. I have never even received a letter from XXXX XXXX stating that this account was sold to a collection agency. Stating a balance is owed by a creditor but not providing any valid documents is not sufficient proof or validation of debt. I am requesting that this account is deleted from my reports and all documents stating that Harvest Associates has authority to collect on this debt and any valid proof stating that this account surely belongs to me.
07/21/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77064	Web
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to XXXX three ( 3 ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices. Referencing prior complaint Case number : XXXX they did not remove the entries from XXXX as I clearly request where the posting was made but their tactic was to remove from XXXX as per their response below : Response disputed Harvest and Associates said : Explanation of closure Due to the age and amount of the debt, the original creditor has agreed to close the account from collection and remove from XXXX. Relief The debt of {$66.00} has been written off. {$66.00} XXXX XXXX of {$66.00} has been written off and deleted from XXXX. It may take up to 45 days for XXXX to remove the debt.
08/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77091	Web
I went to emergency at XXXX XXXX off of XXXX XXXX in XXXX XXXX for a insect bite on my face XX/XX/XXXX, I have insurance and gave the hospital all off my information and XXXX card that have the medical record number and phone number on it, well the hospital never tried to billing XXXX which is in California at all, I reached out to XXXX for a record and they said there was no record of attempt from XXXX or the collection company Harvest Associates Inc . I contacted the collection company inXX/XX/XXXX and in XX/XX/XXXX and they actually wanted me to do there job and reach out to my insurer which I did my insurer told me they the hospital had 180 days to bill them in which they didn't even attempt. I didn't find out it was on my credit until XX/XX/XXXX. please help with this matter. Amount is {$770.00} Also have been insured with XXXX XXXX sinceXX/XX/XXXX
09/17/2018	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 Problem with personal statement of dispute	TX 77389	Web
I am filing this complaint because a collection agency ( XXXX XXXX XXXX ) reported a collection account on my credit report that I completely disagree with. I don't acknowledge this account. I sent this agency 2 dispute letters by certified mail in an effort to resolve this matter. I demanded proof of the debt that they claimed was mine. They were unable to produce any documents that proved that I agreed to any debt. These letters were sent on XX/XX/18 and XX/XX/18 by certified mail which I have all the reciepts. XXXX XXXX XXXX failed to provide any actual proof that I agreed to pay this alleged debt. They never responded back to my 2nd certified letter, and now 3 1/2 months later they have placed this unverified account on my credit report with no proof. I demand that they remove this credit account from my credit report immediately.
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77521	Web
Hello, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Harvest Asssociates would verify the debt. So I took it upon myself to ask Harvest Asssociates for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it
09/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77014	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, 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.My official complaint is against XXXX XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
09/07/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77033	Web
On XX/XX/XXXX, HARVEST ASSOCIATES , INC sent a letter in the mail stating I owe them {$820.00} for a service that took place XX/XX/XXXX. I sent a letter of validation and they could not verify the debt. I also sent them a cease and desist letter that was ignored. They are also in violation if 15 USC 1692b and 15 U.S.C. 1692d. According to 15 USC 6802, no financial institution is supposed to share my information with a third party. I never gave XXXX XXXX XXXX permission to share my personal information to a 3rd party. I also never signed a contract stating that I owe HARVEST ASSOCIATES , INC any amount of debt. They also never communicated the amount of money they paid for the debt, when they purchased it and other information requested in the validation letter.
11/11/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 773XX	Web
I recently pulled my credit report and there is a collection account that is listed. I have know knowledge of the account and have never been contacted by phone or mail about the account that the company say 's I owe. The account is affecting my credit score. I also see where the account was assigned on XX/XX/2018 in the amount of {$93.00} I also have not signed any HIPA forms giving permission for this or any other third party companies to obtain my medical records. I disputed this account but received an email back stating that this has been verified as accurate. I have not received any other documentation of the investigation explaining how they have come to this conclusion. I would also like a copy of the bill with dates and all related charges.
04/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48504	Web
On XXXX, 2019, I reached out to XXXX XXXX XXXX regarding an alleged debt XXXX XXXX is trying to collect for them. After several failed attempts of calling XXXX XXXX XXXX, I found out this company does not exist. I XXXX the business and I called every number that came up and every medical business I contacted stated they have not done any type of billing For this company. Since XXXX I have been disputing these debts with XXXX XXXX and all they sent me was a itemized statement that was drafted up by their company-XXXX XXXX. I asked for proof a dunning letter was sent out and received nothing besides the itemized statement that they drafted up. I also asked for validation of the alleged debt and received nothing besides the statement the drafted up.
03/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
I AM RESUBMITTING THIS. My original complaint was # XXXX. CFPB wrote me back that they cancelled this complaint since it was already addressed. IT WAS NOT. Said something about " credit repair ''? I assure you, this is XXXX XXXX and this is not mine. The orignal complaint that was ignored was : I have reached out to Harvest Associates 3 times now. I know i do not own this debt, it is only on the XXXX bureau. I have just asked them to show me what they have. I reached out in XXXX, XXXX, and XXXX to no avail. I also reached out to XXXX twice but i really wanted Harvest to show. me this debt and they have not. They have NEVER made contact with me, they have NEVER answered me, and its because they know the debt does not belong to me.
02/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77088	Web
I explained to the collector that insurance was provided and time of service and then I also provided insurance information again to them several times. I was told they would apply it to applicable accounts as some accounts they waited to long to file with the insurance company which was not my fault. However, the creditor agreed to remove these debts from my credit report but did not. I then disputed it with the 3 credit bureaus and each time XXXX come back verifies the debts as accurate. I have attached the communication between me and XXXX as this has been a burden and unfair practice to damage my credit. Furthermore, no communications about all of these debts were ever received just a 2 and I found out by pulling my credit.
01/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
I have contacted Harvest Associate Inc. on XX/XX/XXXX through certified mail to validate a debt that is reported in the total amount of XXXX. I gave them 30 days to respond and I received a response on XX/XX/XXXX certified mail with insufficient documentation to validate the debt and they also continued to report the debt to all 3 credit bureaus causing defamation to my character. This is a violation of my consumer rights. So on XX/XX/XXXX I sent them a failure to validate debt letter through certified mail and gave them 15 days to respond with more clear picture of what documentation was requested and I received a responded on XX/XX/XXXX with none of the information that was asked for and it was a repeat letter of the first.
05/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I sent XXXX XXXX a Debt Validation letter which stated that and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. I also asked for them to pro vide me a 1. breakdown of fees including any collection costs and medical charges. 2. Provide me a copy of my signature with the provider of service to release my medical information to you. 3. C ease any credit bureau reporting until the debt has been validated by me. I am allowed to request this under the FDCPA. In return i received a generic statement saying that the debt is mine . XXXX XXXX did not provide any of what I was requesting to validate the debt.
10/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77008	Web
I am the mother of the minor child XXXX XXXX XXXX my name is XXXX XXXX XXXX I received a call stating my child have a bill in her name they used the same social and birthday but the year was wrong they had XX/XX/XXXX when her birthday is XX/XX/XXXX making her only XXXX it made her seem like she was an adult when she is not so i took it upon myself to pull her credit using the year they provided and was shock to my finding this account is for my minor child she have XXXX i will enclose in this dispute her birth certificate he social and a bill for me and my temporary driver license this is an fraud account and please remove from this minor account and correct her birth year
05/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77521	Web
I have contacted Harvest Associates to inform them that they are reporting an inaccurate medical collection on my credit file. I also believe that any company that has given Harvest Associates any information concerning any medical information about me is in complete violation of HIPPA and so is Harvest Associates because I have never given any company permission to share my medical information. Not only that I am a victim of identity theft and do believe that this account is a I direct result of such. I have never done business with Harvest Associates and have never had any obligation that suggest I owe any monies to Harvest or any company that they represent.
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have been disputing this account for some time now with Harvest Associates. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
05/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77082	Web
Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.
12/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
MY NAME IS XXXX XXXX, I JUST FOUND OUT THAT THESE MEDICAL RECORDS ACCOUNTS WAS OPEN UNDER MY NAME THESE ARE FRAUD ACCOUNTS THAT I NEVER USE THIS MEDICAL COMPANY OR FACILITY I NEVER USE I HAVE A XXXX XXXX XXXX XXXX XXXX FOR LOW INCOME FAMILIES I HAVE DISPUTING BOTH IF THESE MEDICAL BILLS THAT WAS OPEN UNDER XXXX PRETENDS FRAUD ACCOUNTS I AM A VICTIM OF IDENTITY THRIFT CRIME VICTIM WHERE MY WALLET ETC WAS TAKING FROM ME BY STATE LAW I AM NOT RESPONSIBLE FOR THESE ACCOUNT ACCOUNTS THAT WAS FALSELY AND FRAUD UNDER MY NAME I HAVE NO KNOWLEDGE OF THESE ACCOUNTS TILL XX/XX/2019 WHEN I WAS Contacted BY XXXX OF THEIR DATA BREACH
04/03/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77346	Web
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Harvest Associates does not have any documentation, they need to retract this from my credit file immediately.
08/05/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77389	Web
On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer.
01/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web
I have been disputing this inaccurate account with Harvest Associates for sometime now. I sent them a letter on XX/XX/2022 and here is the tracking to prove it XXXX XXXX XXXX XXXX XXXX. I asked them to validate this account and provide sufficient documents and proof as to where this debt came from and all I received was a letter stating that they feel the account is verified with the balance they say I owe and the name of the creditor. This is not validation of debt and if they are not able to provide valid proof this account should be deleted from my report.
11/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77301	Web
I saw many collection accounts on my credit file from Harvest Associate. They took one emergency rom visit and broke it down to several collections and changed the dates on each to make it look like I went to the emergency room every other day. One of the collections are duplicates on m credit for XXXX it is reported twice. I SENT A REQUEST TO HARVEST ASSOCIATES TO VALIDATE THE DEBTS THEY ARE REPORTING ON MY CREDIT AND THEY WON'T SEND ME ANYTHING. They never sent me a letter stating that they bought this debt, giving me the opportunity to dispute it
02/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78717	Web
This is my first time filing a complaint for both collection accounts on my reports with Harvest Associates with account numbers XXXX and XXXX. Harvest Associates is continuing to report an account that they have failed to provide validation for. On XX/XX/2022, I sent a request for validation including a full account ledger, proof that they own the debt and everything in their possession pertaining to the account. They never responded and it has been well over 30 days. I am demanding this account be deleted from my credit reports immediately.
02/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77014	Web
I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.
10/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
XXXX XXXX has been contacted via letter asking for verification of debt. Ive asked on three different occasions to send contract with my signature and copy of my identification. The only reply Ive received is a letter stating they verified the debt with their client. The debt total is {$540.00} and I need to see a bill, the signature from me and copy of my identification from the day of service. This should be apart of their file and proof of my debt validation. Not just a letter stating its been verified.
01/07/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77088	Web
I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES INC 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 HARVEST ASSOCIATES INC 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
09/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77073	Web
I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES 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 HARVEST ASSOCIATES 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
04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 774XX	Web
My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( Harvest XXXX ) remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with XXXX and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.
08/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39120	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 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 ar purpose.
04/19/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 776XX	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!
01/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77396	Web
I was a victim of identity theft and noticed a collection from XXXX 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 XXXX 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
07/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77007	Web
I've reached out multiple times the past months to this collection agency asking for proof of debt verification and my signature releasing my personal information to the agency with no response from them. I have sent letters through mail and email, also called them. Still same result no response back and its been months of this. This violates HIPPA and still no response from them through mail or email.
01/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77706	Web
Please investigate Harvest Associates. The company refuses to remove an alleged debt at the amount of {$1200.00}. I have reached the 4 years statue of limitations for the state of Texas. The collector has been harassing me over an alleged owed debt that I am no longer legally responsible for and refuses to remove it. They practice illegal practices of harassment.
07/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
XXXX XXXXXXXX. XXXX has placed an account on my credit report with XXXX for {$540.00}. This debt does not belong to me. I have asked multiple times for written verification and signature for this account. I have always held health insurance. I wouldnt have any medical bills. I have been dealing with this issue for a year without any feedback or validation.
06/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web	Servicemember
XXXX XXXX does not have a contract with me for any services, This company has violat ed HIPAA by obtaining my medical information and has not sent any documents used to verify t his account to me. I have disputed this account and i have no knowledge of this account or any account with XXXX XXXX . I have never conducted business with XXXX XXXX .
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
I disputed the debt and received no communication from Harvest showing the debt was valid or if I actually had an account. I sent a letter to Harvest along with an affidavit of truth swearing under the penalty of perjury that I never gave Harvest permission to report on my consumer report or have access to my sensitive non public personal information.
03/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
i previously filed a complaint with cfpb ( XXXX ) and the company said that it will be removed and closed on XX/XX/2017. the account is still reporting on my credit when it was told to me by the company it would be removed. this is reflecting my credit in a negative light and hurting my true credibility to borrow and pay back.
01/25/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77064	Web
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.
10/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77014	Web
This collection company continues to harass me and report negatively on my credit about an adverse account that does not belong to me. I sent a dispute about this erroneous account over 60 days ago and they still have not sent any response, no validation. Yet, they continue to report this error on my credit file.
02/26/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77070	Web
I PREVIOUSLY FILED A COMPLAINT AND THE COMPANY NEVER RESPONDED! This agency continues to report debts that I do not owe. I have disputed these erroneous accounts and requested them to send me some validation. They continue to report these derogatory accounts, but have yet to send me original documents as proof.
02/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77096	Web
My personal information was compromised and used to open fraudulent accounts and obtain goods and services in my name without my knowledge or consent. I have filed FTC reports for identity theft and contacted HARVEST ASSOCIATES Ito remove this account which was a result of identity theft and they refuse.
11/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web
Contacted company to ask them to close out an allegeddebt of {$1200.00} on behalf of XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX I have no balance. Please remove from credit. Also the alleged debt is almost 4 years old on XX/XX/2021. This alleged debt is almost to the statue of limitations.
07/07/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77073	Web
I reached out to Harvest Associates inc. via postal mail ( 1 ) ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2020. It was received by the company XX/XX/XXXX. Which the company still hasnt updated the credit companies that this account is in dispute which is another violations of the many i discover.
09/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77532	Web
I noticed several collections on my credit from XXXX XXXX. They duplicated the debt as well. I have insurance and paid my deductible. I sent a request to XXXX XXXX to validate this debt. They never sent me anything, yet they continue to report collections that I don't owe on my credit file
08/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77429	Web
Orginal Debit : XXXX XXXX XXXX XXXX Balance {$43.00} XX/XX/2019 Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/2019. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people.
01/26/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have three collection accounts with Harvest Associate. I sent a request for validation of these accounts several times to this agency. They refuse to send me anything. I have medical insurance and met all of my deductions. This is against the law. These are Erroneous accounts
10/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web
This debt collector has appeared on my credit report, however, this is not my medical debt as I have never received a XXXX nor owe any type of medical debt. Furthermore, I have never received any type of correspondence from this debt collector as I do not owe such debt.
02/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web
Debt has been removed by hospital but my credit hasnt been updated. Debt is still showing on credit even though Hospital has updated everything and I am at a XXXX balance. Medical debt collector still harass me even though everything is settled.
05/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
HARVEST ASSOCIATES INC is attempting to collect debt not owed to company. I have attempted o contact numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe {$1900.00}.
01/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76063	Web
I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital
06/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web
ive tried to resolve this issue with the company and had little to no luck getting it fixed. if it isn't resolved I will be forced to take legal action against the company reporting the falls information against me.
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
After reviewing my credit report i noticed that XXXX XXXX XXXX is trying to collect on a debt for XXXX $ that is not mines. I do not have a contract with this company or any debt with this company.
01/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web
Attempting to collect on an alleged debt for the amount of {$1200.00}, which is 4 years old. The Texas Statue of Limitations are 4 years. Please remove alleged debt from my credit. Thank you
02/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77040	Web
I have disputed this unknown item listed several times. I do not owe this amount nor even know what this is. Please help as I am getting no where with this Harvest Associates {$620.00}
08/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 773XX	Web
Harvest associates has provided a deletion of credit tradeline due to identity theft. However, it has been over 2 months and their tradeline still remains.
08/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77545	Web
This debt doesn't belong to me I have already informed the company via email and it was reported on my consumer credit report all three credit bureaus.
11/10/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77520	Web
Attempts to collect on an alleged debt. Repeated calls. Refusal to remove an alleged debt. Texas Statute of limitations is 4 years.
05/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77080	Web
XXXX XXXX XXXX XXXX has opened an account on my credit of {$1900.00}. I am unaware of this charge and I would like it disputed.
01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77042	Web
I did not consent to, benefit from nor authorize any of the following Accounts : Harvest Associates - {$1400.00}
04/04/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77014	Web
The hospital bills that shows on my consumer report is invalid and do not apply to me
10/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web
Attempts to collect on an alleged debt that has passed state of limitations
10/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77706	Web
HARVE7ST ASSOCIATES KEEP ADDING MORE DEBT EVEN IT DOESNT BELONG TO ME
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77521	Web
all ftc violations
02/03/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77388	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77423	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77423	Web

12/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77388	Web

12/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

12/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77423	Web

12/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

07/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web

07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

06/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

06/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

05/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77328	Web

05/03/2023	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 77028	Web

03/31/2023	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 77014	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77388	Web

01/27/2023	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 77388	Web

09/20/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77066	Web

09/14/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web

09/13/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web

07/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77057	Web

07/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77066	Web

07/05/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web

05/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77407	Web

04/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77520	Phone

04/06/2022	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 77070	Web

11/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77530	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

09/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web

07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75520	Web

07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

06/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web

05/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77386	Web

05/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77084	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77014	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77038	Web

03/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

02/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77040	Web

06/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77521	Web

04/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

04/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

03/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78076	Web

02/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77028	Web

10/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 782XX	Web

08/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

08/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77049	Web

07/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web

04/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

08/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77018	Web

07/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77065	Web

12/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31906	Web

12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web

11/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77067	Web

10/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web

04/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77065	Web

03/24/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77070	Web

02/24/2017	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	TX 77091	Web

02/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78148	Web	Servicemember

12/07/2016	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 79936	Web

08/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77588	Web

01/07/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77070	Web

10/15/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77479	Web	Servicemember

04/09/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21045	Web

02/04/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	LA 70460	Web

12/31/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77479	Web