| 08/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : SCA COLLECTIONS GREENV with Account # XXXX for a debt you claim I owe of {$290.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION m
ade pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt wa
s purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Deb
t Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes .The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
What would be a fair resolution to this issue?
A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act ( FCRA ), a federal law that protects consumers from unfair credit and collection practices. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
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| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2018 SCA Collections, INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : AccounT To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the 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 the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 08/04/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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SCA Collections, Inc. violated the Fair Debt Collection Practices Act [ 15 USC 1692e ] A debt collector may not use false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation : ( XXXX ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
SCA Collections, Inc. violated the Fair Debt Collection Practices Act specifically section : Validation of debts requirements [ 15 USC 1692g ].
SCA Collections, Inc. violated the North Carolina Fair Debt Collection Practices Act 58 70 110 Deceptive Representation : No collection agency shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer, or falsely representing the creditor 's rights or intentions.
SCA Collections , Inc. 's violations of the Fair Debt Collection Practices Act and North Carolina Debt Collection Practices Act are documented as follows : Exhibit A : SCA Collections , Inc. 's collection notice dated XXXX XXXX, XXXX addressed to me in which I received via U.S. Postal Mail. Said collection notice of SCA Collections , Inc. contains overshadowing language which violates the FDCPA. SCA Collections , Inc. 's statements contained within said collection notice such as but not limited to : " This account has been placed with this office for collection and calls for payment in full. This payment in full must be received or this account may be placed o your credit file and may impair your credit standing. If you have a valid reason for not paying in full, please contact us by telephone. Do not let your credit suffer ... Mail your payment in full to our office. " Exhibit B : My correspondence dated XXXX XXXX, XXXX delivered via Certified U.S. Postal Mail to SCA Collections, Inc.
Exhibit C : SCA Collections, Inc. 's correspondence dated XXXX XXXX, XXXX addressed to me in response to my correspondence referenced as Exhibit B. Said correspondence of SCA Collections , Inc. contained SCA Collections , Inc. 's validation of said alleged debt. However, by SCA Collections , Inc. 's on validation of said alleged debt clearly documents that the said alleged debt does not exist.
SCA Collections , Inc. 's validation of said alleged debt is of what appears to be a print-out of an account from XXXX XXXX XXXX, PA dated XXXX XXXX, XXXX. Said print-out clearly itemized a date of service of XXXX XXXX, XXXX, charge for date of services on XXXX XXXX, XXXX in the amount of {$43.00}, XXXX XXXX XXXX XXXX XXXX XXXX / Deduction on XXXX XXXX, XXXX in the amount of {$9.00}, and XXXX XXXX XXXX / Deduction on XXXX XXXX, XXXX in the amount of {$33.00}. The alleged XXXX PA alleged debt was in the amount of {$43.00} ; XXXX XXXX XXXX / Deductions in the amounts of {$9.00} + {$33.00} = {$43.00} paid in full. Therefore even after SCA Collections , Inc. did a so called validation it willfully continues to try to collect a nonexistent debt which are clear violations of the Fair Debt Collection Practices Act and North Carolina Debt Collection Practices Act.
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| 08/22/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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To Whom It May Concern : In reviewing my XXXX and XXXX XXXX files XX/XX/XXXX, I noticed an entry on my files indicating that I owe SCA Collections {$210.00} ( Original Creditor XXXX XXXX XXXX ), which is a third-party collection agency. I was surprised and unaware of any outstanding medical bills that I possessed, and contacted the respective credit bureaus to dispute and request validation of alleged debt. In early XX/XX/XXXX I received the first letter dated XX/XX/XXXX from SCA Collections requesting me to contact them to pay the account in full and then they will notify the credit bureau to mark the account as paid on my credit report.
For starters, I refuse to contact a company and pay a bill I know nothing about, especially when it hasnt been proven that the so-called debt owed belongs to me. I had insurance and have never received any notice or itemized statement from the original creditor saying a bill wasnt paid by my insurance company. I have made several other attempts to validate this debt, however, SCA Collections keep sending the exact same letters dated XX/XX/XXXX, and XX/XX/XXXX with NO VALID PROOF nor HIPPA RELEASE. Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) 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 HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
SCA collection has violated both my CONSUMER and HIPPA rights. I did not sign any contractual agreement with SCA Collection for them to have my medical records nor did I sign a medical release form from the medical facility for them to obtain my records. The laws of HIPPA regulations state that any time you go to the doctor and when you sign that HIPPA form, it states medical information, charts, diagnoses, and other Personal Health Information ( PHI ) is to only be shared with the individual you put down that can have this medical information released to them. The person you put down on that form, is the only person that can receive that information I.e. spouse or family member you designated. The minute that XXXX XXXX gave that information to a collection party ( SCA Collection ) showing my PHI is a direct violation of HIPPA. I did not sign a form giving up my PHI to this debt collection agency. I demand that this account be closed and removed from each of the credit bureaus ( XXXX and XXXX ) because it has already violated my rights, as well as been detrimental to my credit file and have damaged my credit history causing credit, employment, and insurance denials and higher rates due to the erroneous reporting. SCA Collections behavior is both unethical and illegal, and I am within my rights to sue them for the damages that have already been done.
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| 07/10/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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RE : Compliant Against SCA Collections ; Co # XXXX XXXX In the first quarter of the New Year I began credit monitoring on my credit report due to fraudulent activity, during that time I saw a medical Bill reported on my credit report from SCA Collections , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX NC XXXX. I opened up a dispute with the 3 major credit bureaus and contacted an attorneys office for assistance with the fraudulent accounts. After a few months I received a new alert in XX/XX/XXXX that SCA Collections , Inc. had placed another MEDICAL COLLECTION on my account for the same amount as the collections I was and am disputing. My demand is that they remove both accounts for the following reasons : 1. The new account posted to my credit report in XX/XX/XXXX has an open date of XX/XX/XXXX which seems to be RE-AGING due to my open compliant for the initial bogus account. ( No other collections from SCA were on my credit report prior to my compliant against them in XX/XX/XXXX ). 2. The new account also seems to be SCA Collections PARKING debt on my credit report without allowing me to dispute the validity of the debt. There were no communications with me nor written statements of a debt that was owed in the amount of {$160.00} 3. How could SCA Collections validate the debt that is not accurate when the original creditor is no longer is business ( I presume from their business practices ). 4. I have attempted to contact SCA Collections with no response, they do not answer the phone. I also had an attorney ask them about what seemed to be RE-AGING my credit debt yet they have refused to respond ( see enclosure ). After no response from SCA Collections , Inc I could not go to the original creditor, XXXX XXXX XXXX for information because the y were no longer in business and could not respond. respond. I then sent messages and contacted XXXX XXXX XXXX XXXX XXXX who have been my medical insurance provider for the last 11 years. I was informed of the following. 1. The date of service was XX/XX/XXXXand the XX/XX/XXXX ( see enclosed ) and was paid late more than 3 months later by them. Per the information attached I demand that SCA Collections REMOVE THESE TWO ACCOUNTS from my credit report for the following reasons. 1. The information reported by a collections company must be accurate or REMOVED per the FCRA. The information provided by SCA Collections in not accurate per the documents attached they have reported that my Date of Delinquency on the account was and is the actual date of service per the attached documents. The DOFD ( date of first delinquency ) submitted by the original creditor can not be changed by SCA Collections. 2. SCA Collections , Inc. purposely PARKED the inaccurate collection debt on my credit report as retaliation for disputing the initial XX/XX/XXXX {$160.00} collection debt as inaccurate. 3. SCA Collections , Inc. did not provided ample time for me to respond to them that this was inaccurate and the proof that the insurance company provides proves this was and is inaccurate. 4. SCA Collections , Inc. has refused to respond to both verbal and written communication.
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| 12/03/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This is a complaint against SCA Collections in XXXX, N.C. ( Tel : XXXX, which keeps sending me demand letters for an alleged " debt '' for a biopsy ordered by XXXX XXXX XXXX and his Billing Office at XXXX, CA, Tel : XXXX. I had seen XXXX XXXX for decades, without incident until a few years ago, when I was a XXXX at the University XXXX. I got bills, allegedly for " unpaid '' services. I brought this to the attention of XXXX XXXX. The bills persisted. XXXX XXXX, however, claimed my balance was " XXXX. '' On XXXX XXXX, 2015, I saw XXXX XXXX, who ordered XXXX in XXXX XXXX. ALTHOUGH I NEVER RECEIVED A BILL ( {$200.00} ) FOR THIS XXXX, AND ALTHOUGH I HAD FREQUENTLY PROVIDED -- in person -- XXXX XXXX AND HIS BILLING OFFICE WITH MY CURRENT MEDICARE NUMBER AND XXXX XXXX XXXX NUMBER, XXXX OFFICE PROVIDED XXXX, XXXX, WITH INCORRECT HEALTH INSURANCE INFORMATION. THIS HAS LED TO SIGNIFICANT PROBLEMS REGARDING MY CREDIT RATING!!!
In XXXX I received an " IMPORTANT NOTICE '' from SCA Collections.
It states : " You must contact this office to discuss PAYMENT IN FULL of this obligation. PAYMENT IN FULL WILL PREVENT FURTHER COLLECTION ACTIVITY YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. '' In fact, SCA already reported my alleged non-payment of this obligation to the XXXX XXXX XXXX XXXX. This credit agency then issued an erroneous credit report, based on the ( mis- ) information provided by XXXX XXXX XXXX billing office to XXXX XXXX XXXX , claiming I have an " obligation '' of {$200.00} and I should " immediately '' pay this " debt. '' On the basis of the misinformation contained in XXXX XXXX report, the XXXX XXXX XXXX ( and possibly other users of XXXX XXXX credit services ) refused to reissue to me a credit card -- even though I have substantial accounts with the XXXX XXXX XXXX -- and will not do so until this matter has been resolved. HENCE, BECAUSE OF THE MISINFORMATION PROVIDED BY XXXX XXXX BILLING OFFICE, AND THE ACTION OF SCA COLLECTION SERVICES, MY CREDIT APPEARS TO HAVE BEEN FROZEN AND MY CREDIT RATING HAS BEEN DAMAGED!
I have inquired further, and, according to XXXX billing office, which contacted SCA Collection Services to " collect the debt : '' " The entire {$200.00} has been waived. If needed, please utilize my previous email as a reference for any inquiries.
Thank you, XXXX, CA XXXX p : XXXX '' I am seeking redress against both SCA Collection Services and the billing office of XXXX. In addition, XXXX XXXX billing office is also implicated in this mess and the subsequent damage to my credit status. Appropriate compensation ( billed at $ XXXX/hour ) is also sought for the time I have spent dealing with these issues.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX
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| 07/24/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I received a bill for {$190.00} for ER services. Since I had not too long moved to XXXX NC I assumed it was my local and nearest hospital and they had sent the bill in error. I then went to the billing department at the hospital and they told me they did not have me as receiving services on that date. In addition, that I was not even registered as a patient in their system. A few months later, I received a letter from SCA collection agency in XXXX NC, stating that I owe the same amount {$190.00}. I discussed it with the rep and told them that I did not owe that money and that I do n't know who could be charging me that being that the hospital does not have me in their system as receiving services. That is because I never went to the hospital on the date they 're claiming that I received services XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). Early this year while checking my credit report I realized that SCA was negatively reporting on my credit and is the only negative mark on my credit report. Little did I know, they had already been reporting for some time. Which brought my credit score down. Sometime in XX/XX/XXXX or early XX/XX/XXXX or XX/XX/XXXX, I called SCA. I spoke to a Rep and shared my findings, in regards to the hospital not having me as receiving services in the ER or anywhere else on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). I then went ahead and filled out a dispute form on SCA 's website. In general, I stated that this was not my bill, to validate or immediately remove from my credit report. I received no response. To be 100 % sure that this bill did not miraculously pop up in the hospital computer system, I went back and spoke to billing XX/XX/XXXX. A woman in the billing dept said the hospital which is XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX ), does not use SCA for their collection services. Further more, she reiterated that they did not have me in the system as receiving services on that day XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). She also said it could have been an ER Dr billing me, but since there 's no evidence of me receiving ER services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ), it could not be possible. The collection agency Rep was not helpful at all and they are still reporting. To make it clear, I know that I did not go to the hospital or ER for any services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). The hospital does not have any record of me receiving services on XX/XX/XXXXorXX/XX/XXXX( bill not clear ). However, there is a bill in collections stating that I owe XXXX XXXX XXXX XXXX for services received on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). and I have not received any services from anyone that deals with SCA. SCA is reporting fraudulently on my credit and refuses to validate or remove. Please help.
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| 10/10/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.
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| 03/04/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.
This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and XXXXXXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules .
I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely, XXXX XXXX XXXX
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| 10/09/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX, I had a procedure done with my XXXX in their office. I paid the doctor 's office the amount that was owed to them and my insurance, XXXX XXXX paid their covered amt. I never received any other correspondence in regards to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for {$260.00} from XXXX XXXX XXXX for a lab service for the XX/XX/XXXX Date of Service. Upon opening the bill, it had a completely wrong address for me. I contacted the company and they advised me that my doctor 's office sent them the address and they were advised that this was a self-pay account. That information is incorrect. I provided my doctor 's office my insurance information and they were paid for their services. I then contacted my doctor 's office to confirm what information they have for me and they confirmed the address they have on file is the address where I currently live and have lived since XX/XX/XXXX. I have continued to dispute this collection with XXXX XXXX XXXX and XXXX who handles the billing for this company and they are not providing a satisfactory resolution. I 've sent them a copy of my lease from XX/XX/XXXX showing that the address they have is not my address. I 've contacted my doctor 's office and they have the same information. My final contact with XXXX/XXXX XXXX XXXX was on XX/XX/XXXX and XXXX XXXX who is a supervisor, advised that the mailing of a bill is the only correspondence that they sent and no phone contact was ever attempted by their company and that the address they have " did n't drop out of the sky. '' I feel this is completely unacceptable as I do n't know where they obtained the address that they have on file or that fact that my account was a self-pay account when I was insured and my doctor 's office had that information and had no reason to send this lab anything different. I never received any notice of this bill and would n't have known about this bill as I never visited this lab and was never made aware that they had a bill or claim for me. I sent this company everything that I have including an explanation of benefits showing that my doctor 's office got paid and proof of coverage letter from my insurance covering the date of service. How could I have known about a bill from them if they can state that the only correspondence they sent was to an incorrect address and no phone contact was even attempted?
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| 03/30/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SCA Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : XXXX XXXX XXXX ( {$63.00} ) To Whom It May Concern : This letter is regarding XXXX XXXX XXXX, which you claim I owe {$63.00}. This is a formal letter that your claim is disputed.
By not replying in a timely manner to my initial letter onXX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies. ( 15 U.S.C. 168s-2 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in small claims action against your company.
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
I sent SCA a certified letter onXX/XX/XXXX, which was received and signed for onXX/XX/XXXX. They never reported to any consumer reporting agency that this account was in dispute. According to the FCRA & FDCPA, SCA had 30 days to report this dispute and they did not. Therefore, they must remove this item from my credit report immediately.
|
| 12/07/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I found a negative collection report on my credit report by SCA in XXXX because I applied for a mortgage loan. I disputed the collection because I never received a bill or notification of the bill from SGA. XXXX was handling my credit report for the bank and they submitted a dispute on my behalf to the credit bureaus. I was informed by the lender that the negative report was removed and I got the loan. I was unaware that it was only removed from XXXX XXXX. So, in XX/XX/XXXX, I applied for a loan and found out that the SCA collection is still on my credit report at XXXX and XXXX. I submitted a dispute with XXXX because the bank used XXXX for my application. XXXX responded and let me know that SCA did not want to remove it because they said, it was a valid charge. I contacted my insurance company ( XXXX ) to validate the charge, but they did not have any information about the charge in their system from XXXX.
Last week, I filed a dispute with both XXXX and XXXX based on the same fact that I don't know about this collection from SCA and I have not received a bill for it and I can't verify the information.
I called SCA today, XX/XX/XXXX and spoke to XXXX. After explaining the situation to her, I offered to pay the amount to resolve the matter. I requested from XXXX to kindly submit a deletion certificate of the collection from my credit report after I pay. She said, she couldn't. I requested for a supervisor to call me to see if she can assist me. XXXX XXXX, ext XXXX is the supervisor that called me back. I explained the situation to her too and offered to pay the amount in full, and requested for it to be removed from the other 2 bureaus, based on the fact that I was notified I owe the money and I can't verify it with my insurance company. She told me that is not a valid reason. She added that, the reason that it was removed from XXXX XXXX could be, because they have a different policy in regards to deleting paid collection, but she could not submit a certificate of deletion request to XXXX or XXXX. I told Ms. XXXX XXXX that since I did not receive a notification of the money owed from them, it was grounds to delete it from my record if I paid for it. She however, did not agree with me. I paid the bill ( {$300.00} ) in full and informed Ms. XXXX XXXX that I will file a complain with CFPB ( your office ) and she asked me to go ahead,
|
| 09/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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SCA Collections Agency failed to validate this debt for this alleged collection account # XXXX. They received my dispute as of XX/XX/2021 where I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account.
You are illegally attempting to collect the above-listed alleged debt.
They responded with medical bills as if that was what I requested and did not validate this account at all which leaves them in violation of Title 15 1692Ga Furthermore they are falsely stating this alleged debt was an " account '' According to Title 15 1693A2 " ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; '' this means that SCA collections Agency is in violation of 15 U.S. Code 1692e.False or misleading representations For falsifying the character of this debt Delete immediately
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. XXXX Account Number : XXXX Please remove it from my credit report.
4. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. SCA COLLECT Account Number : XXXX Please remove it from my credit report.
9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report.
15. Account Number : XXXX Please remove it from my credit report.
16. Account Number : XXXX Please remove it from my credit report.
17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
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| 07/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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SCA Collections Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : The Office of Registered Agent for SCA Collections Inc.
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXXu. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 11/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
My contact dates were in XXXX, XXXX, XXXX, and XXXX. I requested validation from a creditor for a medical procedure. SCA collections refuses to give me the creditors information including phone number .A mistake has taken place because in 2018 my insurance covered all of my medical bills. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days.
Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid How long can a creditor collect on a debt in NC?
three years If you are living in North Carolina, consumer debt has a statute of limitations of three years.
North Carolina Statute of Limitations on Debt Collections.
North Carolina Statute of Limitations on Debt Debt Type Deadline in Years All Consumer Debt 3 Judgments 10
|
| 03/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I have opened a dispute in the past repeatedly about XXXX XXXX XXXX and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports for XX/XX/XXXX form XXXX as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting.
Company : XXXX XXXX XXXX XXXX updated XX/XX/XXXX with no changes having occurred Company : SCA Collections updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.
|
| 07/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I was seen at XXXX XXXX XXXX who sent off a XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, I myself paid my bill at XXXX XXXX XXXX on XX/XX/XXXX but XXXX XXXX failed to send me my bill for the XXXX XXXX. I did not know anything about the XXXX bill so they decided to send it to SCA Collections in XXXX of XXXX. I have just now found out about this in XXXX XXXX when my bank ran my credit for me in order to do a car loan. I immediately called SCA Collections on XX/XX/XXXX and asked what my collection was about and why I never received anything in the mail, they informed me to call XXXX XXXX ( when I did they originally had my address wrong along with the spelling of my name ) I then called SCA back and they also had the wrong address and name. By that time I called XXXX XXXX back to see if they could figure out anything for me and they told me they do not keep records in there facility and that they would have to do more research and contact me back. I took a day or two to see what they found out and they told me they could not give me information other than the fact I was seen in their office and the lab was sent off. I called XXXX XXXX back and asked them once again why I did n't receive a bill and they told me they had sent bills out from XXXX XXXX to XXXX XXXX, once again I informed them I had never received a bill. After going back and forth with both facilities I decided to call SCA to see if I paid the bill if it would come off my credit and they have stated that I would have to wait 30 days. I am not willing to wait 30 days for something I never knew about so I called XXXX XXXX back and gave them the information where I paid off the Collection Agency and asked if they could call their collectors to get it off, they rudely informed me there was nothing they could do and that it would take 60-90 days before anything could be done ( Does n't add up to the collection agency saying 30 days ). None of these companies have been willing to help me out knowing I have never received any statements or phone calls about having a debt.
|
| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from SCA Collections to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have fell to comply by sending such document to prove validation then SCA Collections continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
SCA COLLECTIONS INC Last reported XXXX XXXX, XXXX {$270.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 6 mos ) Account status Open SCA COLLECTIONS INC Last reported XXXX XXXX, XXXX {$100.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 6 mos ) Account status Open SCA Collections has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( SCA Collections ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and SCA Collection have been aware of these HIPA violations and has been asked to delete immediately. They are many Monetary violations of up to 1K per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately
|
| 05/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
To whom it may concern. I received a letter dated XXXX, XXXX, 2019 from a SCA Collections. After reviewing this letter I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) 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 HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA 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 listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt.
Sincerely, XXXX XXXX
|
| 07/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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{$200.00} Medical debt for XXXX XXXX on a XXXX. Doctor was coverage by the insurance. The lab I found was not covered being out of network. The insurance company said they would pay for usual and customary amount to the uncover lab. The lab would not take this wanted full amount. The lab said they would work it out with the insurance company for a dollar amount. The insurance company wanted to pay a partial but the lab would not take it. I contact the lab said only full retail amount would be acceptable but would contact the insurance company again to ask for full payment. Instead they sent the {$200.00} Debt to SCA collections. I explained the mix up to SCA. They would not listen. Placed debt into credit collection on my credit reports. I have over 10k in my HSA account. The money was not the issue but the amount and billing from LAB and Insurance. This should have never gone to collections. I filled a dispute with the three collection agency 's. The letter stated the information above. Two of them removed it. XXXX would not. They stated it must come from SCA collections I called them again. Asked for to remove it.They WOULD NOT remove it AGAIN. I know I spent more than {$200.00} worth of the various company 's time to trying to remove it. I paid the {$200.00} in XX/XX/XXXX. XXXX shows it closed in XX/XX/XXXX. Again This is wrong. This is holding up my new home 's mortgage rate reduction. I have NEVER missed a payment. This all over a {$200.00}. If you need car repairs you get en estimate, If you need a service Painting etc.. You get estimate. Only in medical none emergency you can't ask for a estimate and review before you get the service. Something as to change! They can charge and use any medical supplier they chose. There is NO checks and balances.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges.
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ).
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXXXXXX XXXX- {$560.00} XXXX XXXX- {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX {$870.00} XXXX XXXX- {$960.00} XXXX XXXX {$990.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$5600.00}
|
| 02/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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SCA Collections in XXXX NC placed a collection on my credit report for {$29.00} on XX/XX/XXXX and one for {$69.00} on XX/XX/XXXX from the same creditor XXXX XXXX XXXX. I contacted SCA collections directly and told them that ALL my bills from XXXX has been paid in full and requested them to take this off my credit report with the 1st reported {$29.00} and they refused and was very rude and unprofessional on the phone. So I contacted XXXX XXXX XXXX and spoke with XXXX, XXXX and XXXX several times and they stated in quote, " I have looked all the way back to XXXX and you HAVE PAID ALL BILLS IN FULL, There are NO collections and they have had problems with SCA collections. '' They then told me that they will send a updated report to SCA Collections. I called SCA collections again when the {$69.00} collection appeared on my credit report and again they were very unprofessional and stated they were not taking it off my report until I paid them. I re-laid information back and forth for days trying to get this resolved. An XXXX dispute is in progress now and another XXXX dispute was requested because the first dispute verified my information was correct but no change was made to my credit report. I have now received a bill from SCA Collections for {$270.00} for XXXX XXXX XXXX and I am worried that they are going to post that as a collection on my credit report. They are fruadently recording collections on my credit report that don't exist and I really need your help getting these off my credit report. I want to file a complaint on SCA collections for fraud and their customer service was horrible, unjust and very unprofessional.
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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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.In accordance with the Fair Credit Reporting act.
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 SCA Collections Collections Accounting # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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.
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| 06/15/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My son had XXXX XXXX performed and sent to XXXX XXXX XXXX XXXX XXXX for analysis.
I received a letter in the mail at the end of XXXX with a statement dated " XX/XX/XXXX '' stating that we owed {$110.00} for my son 's XXXX XXXX after insurance had reviewed and processed the claim.
I had questions regarding insurance input so when clarified, I followed the online link that XXXX XXXX XXXX XXXX XXXX provided on the bill to pay the bill. The balance stated {$0.00} dollars.
I reviewed bank statements and credit card statements to see if this was on autopay or if my husband paid it. Ultimately on XXXX I emailed to query what was owed and left my email and cell phone. At this time, on XX/XX/XXXX I received an email stating the account was sent to collections on XX/XX/XXXX after ONE attempt to collect their payment by mail- non registered. They sent the account to collections after 9 weeks without confirming that I had even received the bill ( which I had not until 4 weeks prior ). They have ALL my information including my cell and did not call or send out a second/warning bill. When I contacted them on XXXX and enquired about the bill as I was attempting to pay it the response was " it has gone to collections '' with no alternative for me to resolve the issue but to wait for collections letter which I did. It arrived on XX/XX/XXXX and has been paid.
To my mind, this is unfair and inappropriate- they made zero effort to collect the debt and zero effort to offer me a way to pay when I reached out.
This is coming after this same group attempted to bill me twice for services rendered for my own XXXX work.
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| 06/15/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I notified XXXX, XXXX and XXXX of several invalid and invalidated debts they are reporting on my credit reports for SCA Collections , Inc. Said items are reporting as medical debts and according to HIPPA Law by way of them having access to and posting my information for others to access, they are violating my medical rights. I never granted them that permission to share my information. I notified the credit bureau 's by law they had 30 days to respond in written form validating the debts including a detailed statement of procedures, the original bill and my signature or the debts had to be removed from my reports immediately. I received responses from each of the credit bureaus within the time allotted, but neither included any debt validation. They simply notified me that they would be contacting the credit agency to investigate the matter and that my dispute was pending.
On today, XX/XX/XXXX, also within the 30 day mark, I received a bill from SCA Collections , Inc. stating I owe {$940.00} for the account # XXXX. Not only did they not validate the debts they are publishing on my credit reports, but according to my report and the balance they are reporting as being owed, the numbers are way off. This strikes me as them being deceptive.
SCA Collections, Inc. publishing fictitious information on my credit reports have had continued adverse affects and are inhibiting my ability to establish credit worthiness.
The following accounts have been left invalidated and by law must be removed : XXXX XXXX XXXX XXXX Your attention to this matter is greatly appreciated!
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| 07/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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SCA Collections has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and suffering through loss of sleep and XXXX.
Her private doctors office reffered her to XXXX XXXX for tests.
XXXX did not take down her insurance info and correct mailing address from the Doctors office. I never got any mail. I had moved out of XXXX XXXX and was living at XXXX XXXX XXXX, # XXXX XXXX XXXX CA XXXX. My doctors office was given this address at that time.
In addition, XXXX did not bill my XXXX XXXX insurance, even though my doctors office had her insurance info and sent it to XXXX.
In the end the insurance company ended up paying the bills. This collection account should have been removed.
Also, the credit bureaus are showing different original amounts. They put on account after 90 days, by law they are required to give client 6 months before reporting a medical collection. These are serious violations under the FCRA.
The accounts information is as follows : Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$500.00}.
Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$470.00}.
This situation has caused me several damages and violations that I have suffered, I demand to get the accounts removed from my records ( from all three credit reporting agencies ) in 30 days.
See attached documents.
Thank you.
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| 06/05/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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SCA Collection c/o Consumer Financial Protection Bureau XXXX. XXXXx XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX To whom it may concern : I received an itemized bill from SCA Collection which is a third- party collection agency. SCA collection has violated my HIPPA rights. I did not sign any contractual agreement with SCA Collection for them to have my medical records nor did I signed a medical release form from the hospital for them to obtain my records.
The laws of HIPPA regulations state that any time you go to the doctor and when you sign that HIPPA form, it states medical information, charts, diagnoses, and other Personal Health Information ( PHI ) is to only be shared with the individual you put down that can have this medical information released to them. The person you put down on that form, is the only person that can receive that information I.e. spouse or family member you designated and that that health care provider in this case XXXX XXXX XXXX. The minute that XXXX XXXX XXXX gave that information to a collection party ( SCA Collection ) showing my PHI is a direct violation of HIPPA. I did not sign a form giving up my PHI to this debt collection agency.
I demand that this account be closed and return to the creditor. Removed from each of the credit bureaus ( XXXX, XXXX, XXXX ) because it is violating my rights. It is within my rights to sue SCA Collection for violating my rights for the damage that has been done.
Thank you XXXX XXXX
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| 09/09/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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Debt Collector : SCA XXXX - XXXX, XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Creditor : XXXX XXXX XXXX XXXX # : XXXX {$200.00} Client # : XXXX Debt was incurred on or about XX/XX/XXXX, for one component of a XXXX diagnostic procedure. Out of all the individual parts of the procedure, we paid the XXXX and the hospital, but somehow did not pay - or did not know we had to pay - the XXXX XXXX. This debt went into collection with SCA collection for {$200.00}.
During the time period of XXXX XXXX XXXX, we were XXXX overseas to XXXX as an XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX Base. We were careful to maintain all US phone numbers, email addresses, and set up mail forwarding.
SCA Collections attempted to contact us one single time around early XXXX, via mail ( to a mailing address that was last used in XX/XX/XXXX and for which the US Postal Service no longer forwarded mail. No further attempts were made to contact us, via phone, email, or to our new address - although not confirmed, it is the practice of the US Postal Service to return these unsent pieces of mail. I suspect SCA received the returned mail.
Instead of making any further attempts to contact us, SCA reported this to the credit bureaus.
This is a violation of 15 USC 1692 Ch 808 as making a debt report to the credit bureaus with no reasonable attempt to contact the debtor is a violation. This is especially egregious considering the report was made due to overseas XXXX.
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| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCA COLLECTIONS XXXX Account number XXXX I was unaware of this debt prior to it being reported on my consumer credit report.
15 U S Code 1681 section 602 A States I have a right to privacy.
15 U S Code 1681 Section 504 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtOn or around XX/XX/XXXX - XXXX 2022 I received numerous calls at my place of employment.
15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
I have disputed this upon numerous occasions it has affected me receiving credit negatively because of the fraud alert placed on my XXXX Credit Report without my knowledge causing multiple denials and unintended inquires. ( See Attachment )
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| 04/12/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2020 I requested copies of my credit reports from the credit bureaus and after receiving the reports I noticed that a company named SCA Collections , Inc. hereinafter referred to as SCA had reported an adverse collection account to XXXX, XXXX, XXXX credit bureaus claiming that I owed SCA {$240.00} dollars.
I was never notified by SCA beforehand, nor contacted in any way whatsoever, before this derogatory collection account was placed on my credit report.If, I am not mistaken this account should have been verified, and it was not, which is a clear violation of the FCRA and the FDCPA. As a result, on XX/XX/2020 I submitted a dispute letter to SCA via USPS Certified Mail whereas I disputed their assertion. In that letter I requested certain documents from SCA because I want to try to understand how I came to owe them what they have alleged I owe on my credit reports. I believe I was very specific with what documents I requested from SCA.
However, I received a letter from SCA, which was not within the time frame alotted by law, and the document that they sent was a copy of a bill that was altered. On that bill it appears to me that SCA attempted to re-age this account by changing the statement date to XX/XX/2020 as though this account was an active account. This again demonstrates to me that this is another blatant violation of the FCRA and the FDCPA, respectively. I will submit copies of all the letters herein for your review and consideration.
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| 06/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I contacted both the collection agency and XXXX XXXX where the bills were incurred. So, I contacted XXXX XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and uploaded the proof I have from NC State Medicaid stating that I indeed had Medicaid at the times. So, they stated that I didn't show my Medicaid card at the time of the procedures, which two were done at XXXX XXXX Hospital and the one that was deleted was done at their facility, which is not true, because all the years that I've had Medicaid, I have never forgotten to give my card to the health provider and Medicaid can attest to this, because we have never encountered this problem before. Medicaid stated they were not going to retract and pay because the provider didn't submit the bills in a timely manner and it wasn't my fault that they didn't do so. So, I contacted the credit bureaus and gave all the information to all of them and disputed the the charges. They deleted one of the bills, but not the other two. So, I called XXXX when I received the results and asked why only one was deleted and they stated that they didn't know why and for me to call the collection agency and that I should contact Consumer Financial Protection Bureau, if I couldn't get it resolved after talking to the collection agency. So, I called and to their surprise they had no idea that one had been removed and that I needed to pay the bills, so that's when I called CFPB.
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| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Re : XXXX XXXX acct. # XXXX and SCA Collections XXXX acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
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| 08/07/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXXXXXX XXXX claimed that they did not receive my health insurance information. However the hospital was XXXX XXXX XXXX in XXXX N.C. they preformed the procedure in question at their facility. XXXXXXXX XXXX maintains staff at that location. The Hospital ( XXXX ) received my health insurance information but XXXX XXXX did not seek to receive the info from the actual facility it managed, even though they manage quite a few. Also I didn't receive written notice until it was already sent to collections. ( due to another legal issue I'm trying to seek arbitration on since whoever is involved is impersonating federal FBI agents, Lawyers, and various other business i seek out to contact, my phone and all internet connectivity is manipulated " hacked through the service provider ( s ) system via employee and company compliance with those organizations involved, may be related to this may not be ) but they had opportunity to extend the time period and even had opportunity to file it after receiving my health insurance information which I verified with XXXX XXXX XXXX XXXX. The collection agency doesn't even appear to have a license active for N.C. they are SCA Collections in XXXX N.C. they don't even have a mortgage license for their mortgage business side. My Identity may be compromised by this all happening as well. any and all hep would be greatly appreciated.
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| 04/25/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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As of XX/XX/XXXX I have yet to receive anything to validate said debt. I have sent THREE debt validation requests. Two in writing and one via phone. And all of my requests have been ignored. I first disputed this debt on XX/XX/XXXX and instead of validating the debt they would rather ignore my request and continue reporting to the credit agencies ( most recently as of today ) that I owe them when in fact I do not. I have never done business with this company. They have never provided me with goods or service yet they have fraudulently stated I have. I have yet to receive a contract between me and this company. A full account summary and itemized calculation of the alleged debt. When this debt originated and when it became delinquent. They also failed to follow FDCPA by not sending a letter giving me the alloyed time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. It is obvious they do not have anything to validate this debt and instead of removing their fraudulent trade line they would much rather continue violating not only the law but my rights as a consumer. It does not take WEEKS to validate a legit debt. If I am the person you say owe I wouldnt have to fight tooth and nail just to get basic information to validate the debt. They lied and said they would and were sending me something and have not!
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| 09/01/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I contacted SCA Collection regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. SCA Collection sent me letters dated XX/XX/2018. The letter states the original creditor was XXXX XXXX with a balance of {$28.00}. They did not send any of the information requested such as the contract from original creditor bearing my signature. The information they provided has an address attached - where I never resided.
My second attempt at contacting SCA Collection was on XX/XX/2018 ( certified mail ) Again, I requested debt validation. They never responded.
( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting SCA Collection was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. I have yet to receive a response.
I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
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| 04/18/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I had a XXXX done with my doctor at the hospital. I paid the doctors office the amount that was owed to them and my insurance paid their covered amount. I received a bill in and paid the balance owed in reference to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for { {$130.00} } from XXXX for a XXXX XXXX on said date XX/XX/XXXX. I provided my doctor 's office my insurance information and they were paid for their services. I do not owe this bill. SCA has responded and advise me that an itemized bill has been sent from the original creditor. I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a 3rd party agency. SCA has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting.
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| 09/26/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My identity was stolen in XXXX while living in XXXX. I took all necessary steps and filed a police report and have closely monitored my credit, checking account, etc. since then. I now live in XXXX and discovered SCA Collections placed a collection acct. on my XXXX credit report in XX/XX/XXXX. ( The collection does not show up on XXXX or XXXX ). I filed the first dispute with XXXX upon discovery and SCA Collections stated the acct. is mine. I never received any phone calls or mail from SCA Collections regarding this supposed debt. I contacted the original debtor ( XXXX ) and they could not find anything with my name or DOB in their system. I filed a second dispute and SCA Collections stated again the acct. is mine. I just filed a third dispute today, XX/XX/XXXX. As of today, I have also filed a report with the Federal Trade Commission, XXXX XXXX XXXX, Consumer Financial Protection Bureau and the Colorado Attorney General 's office. I mailed and emailed documentation to SCA Collections on XX/XX/XXXX, as they are not responding to my voicemails, emails and on-line inquiries. I also discovered an address on my XXXX credit report that is not mine as well and that was also mentioned in the FTC report. My next step is to file a report with the local police department of XXXX, XXXX.
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| 06/01/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On X/XX/17 , I was reviewing my credit report and saw a collection account from SCA Collections , Inc . The amount was for {$55.00}. I am not aware of any outstanding debt with this company or the company they bought the debt from so I decided to initiate written contact. On X/XX/17 I sent out the first letter ( certified mail ) asking for verification and validation of this debt. Around XX/XX/17 , I received a response letter from SCA with what they would consider as verification. They also stated if I needed further information I would need to contact the original company directly. From my understanding, the FTC does not consider an itemized printout as verification of a debt from a debt collector. It is also my understanding that it is not my responsibility for the burden of proof on this debt. I wrote a second letter to SCA on X/XX/17 again asking for verification of this debt ( document bearing my signature ). I received their response to my second letter around X/XX/17 . They stated they have meet all requirements and provided me with verification which they have not. If they can not provide the proper verification ( document bearing my signature ) I ask that this item please be removed from my credit reports as it is damaging to credit.
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| 01/12/2024 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was unaware that the hospital was pursuing a debt that occurred over two years ago. Upon discovering this information on my credit report, I contacted the collection agency, but they were unable to provide details. Subsequently, I reached out to the hospital, only to find that they lacked coherent information as well. In an effort to clarify the situation, I obtained my medical records, which incorrectly stated that I was transferred via ambulance. In reality, I initially sought care at XXXX XXXX, but no information was collected during that visit. Unfortunately, due to the urgency of the matter, I have no recollection of that day.
I am seeking the removal of the medical debt from my credit report based on the provisions outlined in XXXX XXXX XXXX XXXX known as the Consumer Protection for Medical Debt Collections Act. According to this bill, consumer reporting agencies are prohibited from including medical debt arising from a medically necessary procedure or other medical debt less than a year old on a consumer credit report. Additionally, those reporting medical debt must notify the consumer about these restrictions before including it on credit reports. Moreover, debt collectors are prohibited from collecting medical debt less than two years old.
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| 02/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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1 ) " XXXX XXXX '', ( Transferred to ) >>> '' SCA COLLECTIONS INC. '', XXXX XXXX XXXX XXXX XXXX, XXXX, NC.XXXX.
XXXX XXXX XXXX XXXX.
THEIR CLAIM OF {$340.00} IS FRAUDULENT. THE REAL AMOUNT WAS MUCH LOWER WHICH REFLECTS BLOOD TEST AT " XXXX XXXX '' AND WAS PAID BY MY INSURANCE " XXXX ''. DOCTORS AND LABS OBTAIN AN INSURANCE APPROVAL BEFORE DOCTOR 'S VISIT AND LAB 'S TEST. 2 ) " XXXX XXXX XXXX '', ( Transferred to ) >>> " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX, SC.XXXX, ( XXXX ) XXXX. THEIR CLAIM OF {$870.00} IS FRAUDULENT. THE LINE OF CREDIT OF THE VISA THAT WAS ISSUED BY " XXXX XXXX XXXX '' WAS {$450.00} AND I NEVER USED THE WHOLE AMOUNT. I DECIDED TO TO PAY THE BALANCE {$220.00} AND CLOSE THE ACCOUNT ON XX/XX/2017, BECAUSE " XXXX XXXX XXXX '' STARTED TO INCREASE THE INTEREST RATE TO 30 %, EVEN THOUGH UNTIL XXXX I DID ALL PAYMENTS ON TIME. I FILED MULTIPLE REQUESTS FOR INVESTIGATION WITH XXXX, XXXX, XXXX. ONLY XXXX HAS REMOVED BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT. PLEASE USE YOUR INFLUENCE AND YOUR INVESTIGATION OBJECTIVELY SO THAT XXXX AND XXXX REMOVE BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT, IF YOUR DEPARTMENT IS REALLY ABOUT CONSUMER PROTECTION AND NOT CORPORATE PROTECTION AND SUPPORT ( XXXX XXXX STYLE ).
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| 04/19/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Upon reviewing my credit reports in XX/XX/2022, I found an account from SCA Collections that I was not familiar with. On XX/XX/2022 I contacted the agency after several failed attempts via contact messaging on their website on XX/XX/2022 and XX/XX/2022. Please note that I was only able to make contact with an agent by choosing the option of being a North Carolina resident. After calling repeatedly for weeks, I sat on hold for more than 20 minutes before being sent to a voicemail for Virginia residents in which the agency was unresponsive. On XX/XX/2022, I spoke to XXXX, who informed me that she could not provide me the information of the original debtor but that they could send me an itemized bill. I informed XXXX that I sent a debt verification letter on XX/XX/2022 to which they needed to heed my requests per the law.
The agency failed to provide me the requested debt verification documents such as a copy of my signature with the provider of services to release my medical information. Moreover, the agency did not respond to my written correspondence and requests made via phone until XX/XX/2022. On XX/XX/2022, I received a document with no information informing me that they would be proceeding with collections activities.
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| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( XXXX ) balances : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX.
15 medical bills in total and I can only account for two times iv been to the XXXX. Also they have the name spelled as XXXX XXXX and XXXX XXXX in over half of these medical bills not to mention there addresses listed that iv never lived at. To my knowledge hospitals or places of that sort are not supposed to report anything under the hepa law. These are all listed on my credit score and iv tried contacting these places to tell them it wasn't me and I get no help iv also tried filing disputes through experience with no resolve.
( XXXXXXXX XXXX ) dates and balances : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX.
These are also medical balances with the same issue.. this isn't me and without being able to prove that how are you reporting it on my credit history not to mention they shouldn't even be reporting medical history to any agencies of this sort without some kinda permission from said person due to things like this
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| 04/18/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I recently applied for a home loan. On my credit report shows a medical balance of {$210.00} with SCA collections XXXX XXXX. I disputed the information as I had never received a bill. Apr XXXX XXXX XXXX sent a bill. The first person I spoke to last week threatened to call my landlord. I tried again with my husband talking to them. They were very rude and stated they had mailed a bill I never received in XXXX XXXX. I also doubt this to be true as I updated my address with the bureaus last month. I asked if I paid the bill in full without even knowing if it was mine can they remove the collection. They stated no. I am being denied a loan because of a medical bill I never received. If a copy of the bill is needed I can upload it. I understand medical billing is a complex issue and outsourced lab work and so forth often do not know the insurance to bill. I was an employee at XXXX and most procedures if done in network, the hospital waives the charges beyond my co-payment. I am only asking them to remove the debt from the bureaus if I pay it in full and to send a complete medical itemized bill so I can see if insurance was billed properly. They declined when I disputed the bill.
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| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The reponse was closed with explanation. There was explanation. Only to contact original debtor but I have No info for them and the debt not mine. Never been to that place. I would validation. Copied id ... Signature picture at the time. The reason for debt. Substantial evidence. The company you work for can get information from anyone who gives it meaning your company not safe. Anybody can walk in and be anybody. I wish to only contact with the company fradulently on my credit report. I need your companies proof. I have no knowledge of debt so why would you still have it there and would like this to be remove at once. I should have to contact any one else other than the company on my credit report. Your reporting for another company who has no knowledge of there own system. I wish this to be remove. Legal action will follow. My first time I complain I asked for validation. Not using that word but in that context for evidence. You gave me forwarding number to people who have no knowledge. After today I will report to XXXX XXXX XXXX. The company you work for and so called original debtor. Nothing shows me that the debt belongs to me.
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| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I mailed out 4 Certified letters to the collection agency that are on my credit report, asking for validation of Debt and HIPPA authorization, I have yet to receive my proof of signature. In XX/XX/XXXX I mailed out Certified envelops and all the paper work to show proof that they didn't provide me my request to the three credit bureaus they did remove some of the medical collection, I am still waiting on the 7 collections to be removed, They never responded to my letters and its way over due, and I get denied for credit loans. Its very frustrating when I'm working really hard on my credit and the credit bureau does half of a job. I see from my XXXX XXXX that XXXX is reporting 6 of the medical collections, and XXXX is reporting 14 of the medical collections and XXXX is reporting 13 of the medical collections that should be off my credit report. and also I have disputed on XXXX XXXX and they did investigate and found in my favor with XXXX XXXX that they are reporting back in XX/XX/XXXX of a late payment I have NEVER paid late, my payments are made early or on time never LATE. And thats still on my credit as well.
|
| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.
|
| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!
|
| 08/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, After reviewing my credit file, I noticed an account was listed for {$36.00} with SCA Collections. Not only have I never been to this doctor, after speaking with SCA Collections, they had no interested in looking into the matter. I then sent them a certified letter stating that I was requesting a validation of this debt. In return, they sent me a letter stating their process and suggested that they have complied with the validation request by sending me a letter of their process. I have since called them back and demanded this debt be validated. I was then sent to a supervisor 's voicemail. I called back again and asked to be sent to the President of SCA Collection 's voicemail. I have yet to receive a call back after months of attempting to get this resolved with SCA and XXXX. As I have mentioned, I have never been to the doctor they have suggested and despite my attempts to validate the debt, they have refused to do so. In addition, after looking up SCA Collections with the South Carolina Secretary of State, I noticed their license was forfeited in South Carolina.
|
| 09/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I was sent a collection notice from SCA Collections in North Carolina for an amount due to XXXX for pathology in XXXX 2017. The amount is not disputed ( {$200.00} ) however the method at which XXXX conducted themselves should be examined.
I never received an invoice from XXXX, I thought they were just behind in their billing and expected a bill to arrive soon. What I received was a collection notice threatening to tarnish my credit history. I question the relationship between XXXX and the pipeline of unsuspecting patients like myself who find themselves thrown into the seedy practices of a collection agency.
Without hesitation, I paid the amount of {$200.00}, it matched what my health provider estimated would be my portion. After paying I now question the tactics used by XXXX in conjunction with SCA Collections. I 've been compromised, my personal information and credit history have now been put at risk. How do I know that SCA is legitimate? No bill or communication was ever received from XXXX that they were sending this to a collection agency. This is foul play.
|
| 01/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a email notification from XXXX that my credit score decreased. I signed in to my account to find SCA Collections had reported I owed XXXX and it decrease my score by 63 points. It said the original credit was XXXX XXXX XXXX XXXX from XX/XX/XXXX. Since I have never heard of either company and have never received any bill or any communication at all from either company I am assuming that this may be a scam or fraud and I am to scared to call and give them any more of my information. I have never not paid any bill in my entire life and have never had a collection on my account. This has done a lot of damage to me. The company 's information listed is SCA Collections, XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number listed XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX but I am unable to find the correct information to contact them. I have also disputed the charge with XXXX. Thank you for your help! I do n't have any documents to attach because I have never been contacted by either company and have never heard of either of them.
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX is the last complaint I filed with you regarding this company. Even after I filed this complaint they did not investigate or validate this debt. This debt is not mine and I have never seen the provider listed on the I voice. Sending me an invoice for a provider I've never seen does not make the debt mine. And thar very invoice shows a XXXX balance yet it's being reported otherwise.
The credit bureaus decided that by mid XXXX, medical debt less than {$500.00} will no longer appear on credit reports run by XXXX, XXXX or XXXX. Yet despite this debt not being mine, validated, not having written consent and being under {$500.00} in the year XXXX this company is illegally reporting it. This is abusive. So SCA Collections is in violation of the FCRA and XXXX.
If this fraudulent account is not removed, I will contact the Attorney General and also hold SCA Collections financially responsible for all charges I incur from higher interest rates due to the reporting of this fraudulent account and blatant refusal to remove it. This is defamation of character.
|
| 04/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
|
| 08/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As I reviewed my credit reports I noticed SCA Collections was reporting a collection account on my credit. I never had any dealings with SCA Collections nor any type contract with them. I disputed the item with the credit bureaus and the item came back verified. still unsure of this debt and most certain i do not owe them i reached out to SCA Collections personally requesting proof of supporting documents they had to show me owing them and demanding that the item be removed from my credit reports. SCA Collections replied back that they didn't have substantial proof and that they're just a debt collector. If I wanted any additional information that i should reach out to the company they are collecting on behalf of directly. I called the company directly and they said they couldn't discuss anything and that i should contact SCA Collections directly. this item should be removed from my credit reports immediately as I do not believe this to be accurate or factual and have received no Information from SCA to prove they are.
|
| 12/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have repeatedly contacted SCA Collections and asked them to send me proof that two accounts belong to me. They are both duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to SCA Collections. I informed them about this, yet they refuse to remove the accounts. I contacted XXXX about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
|
| 12/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off of my credit report.
|
| 04/20/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to XXXX asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of XXXX XXXX I 've yet to see any documents regarding these claimed debts with SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of XXX
|
| 08/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 i reserved my right to dispute two medical debts that were on my credit report that i believed to be inaccurate and not valid. I sent SCA collections a debt validation letter asking them to send proof that these alleged debts they are reporting are indeed accurate and belong to me. On received a letter from SCA collections dated XX/XX/2019 they responded by sending me a questionable itemized statement disclosing treatments and procedures which can be clearly seen in the letter i have uploaded as proof of this claim. The disclosure of such information is a clear HIPPA violation and a violation of my privacy. I consider this a very serious matter. SCA Collections failed to send proper debt validation as well as a signed HIPPA release giving them the right to possess such information. This violation of my privacy is a matter that I will take legal action on if SCA Collections does not immediately remove these invalid accounts from my credit file.
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent via certified mail ( # XXXX ) a debt validation letter to SCA Collections, however the response I received from the company, violates my rights. SCA Collections is reporting to XXXX, that the account was opened on XX/XX/XXXX, which contradicts the date ( s ) listed in the documents that the company mailed to me.
This is proof that the company is currently reporting an illegally re-aged account. This account was removed from my XXXX and XXXX credit reports earlier this year, as a result of a dispute I filed with them. However, XXXX " verified '' the account as " accurately '' reporting, and is the only credit reporting company showing this account on my reports.
In addition, I asked SCA Collections in the debt validation letter to provide me with the signed HIPPA release form. They failed to provide me with this form, in their response.
In conclusion, I demand that this account be immediately deleted from my credit report ( s ).
|
| 10/12/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
SCA Collections placed a collection back on my report on or around XXXX of this year.They originally placed it on my report on XXXX 2013. I requested validation in 2013 and they never provided it to the CRAs so it was removed. They have since reinsurted it back on my report. I requested validation through the cra again and all the did was verify it but still wont show me proof the debt is mine and that they have the right to collect on it under my rights according to the fcra. They are also reporting this debt as a factoring account with payment history which they are not. I also filed a XXXX complaint trying to get this resolved and there response was we sent him a intemized bill. This is rediculous that a collection company can place a collection on someones report, get it removed by the cra and then reinsert it again all without showing proof that the debt is that persons and then on top of that, report inaccurate data and inaccurrate reporting.
|
| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Hello, I was contacted by SCA Collections ( letter dated XX/XX/XXXX ) on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had never sent me notice of this debt they sent it directly to SCA Collections. SCA Collections contacted me about the debt in which I responded to them within 30 days ( XX/XX/XXXX certified letter ) telling them to cease and desist contact with me because I preferred to deal with the original debtor. The reason why I told them this is because I never received anything from the company that they were referencing prior to receiving notice from them. SCA 's representative signed for the certified letter XX/XX/XXXX. They made no further contact with me but XX/XX/XXXX they added this information to all the Credit Bureaus against me. I requested for this information to be removed from all agencies due to Federal Consumer Laws and they haven't done so. All of my supporting documents to include the signed certified notice have been uploaded.
|
| 05/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my 2nd complaint to the CFPB concerning SCA collections. The company has responded and advise me that an itemized bill has been sent from the original creditor. As per the documents sent to SCA Collections on X/XX/17 I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a 3rd party agency. SCA has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting. I have provided the original certified document along with the 2nd document requesting SCA to provide a contract of medical release and medical bills.
|
| 10/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account should be deleted as I never received a bill for services at my home address ( where I have lived for the past 9 years ) from XXXX XXXX XXXX, instead I received a letter from SCA Collections months after service was rendered, demanding payment, it was reported to collections before I even had a chance to pay. For {$68.00} and to salvage a negative entry on my credit file I would absolutely have paid this small bill but instead my score has now dropped due to this and the bank refused me a mortgage loan in part due to this. I contacted SCA and asked if I paid the amount would they report as paid and request it be removed but they have never replied back, after XXXX attempts. I am requesting this to be completely and permanently deleted and reported to Equifax to remove as well. I 've disputed with XXXX but all they have done is verify with SCA that the information is verified, this is incorrect and an injustice done to me.
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Account # XXXX. Company name : SCA collections inc. Under us 15 1681.
has violated the XXXX law.
In accordance with the fair credit reporting act.
The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) X1 ) 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.
|
| 02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I reached out to SCA COLLECTIONS INC because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
|
| 11/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SCA Collections is reporting the same collection account as SIX separate collection accounts. In Addition to their blatant disregard to credit reporting laws, they are also reporting a payment history on every duplicate collection account they are furnishing to XXXX. I am utterly appalled at the audacity of this company. They really are reporting the same collection account SIX TIMES. They are in clear violation of the FCRA 15 USC. And I am demanding they delete these fraudulent accounts immediately!! Failure to detele these accounts from my credit report will result in me seeking {$1000.00} per entry which totals to {$6000.00}. In addition to that, I will be seeking {$150.00} per violation of them reporting a payment history for these same accounts. They are defaming my name, they are negatively impacting my quality of life. And I will not sit idly by while they violate my consumer rights.
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
|
| 01/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
It looks like they are saying I owe a bill from XXXX XXXX of XXXX from XX/XX/XXXX. Ive contacted the company multiple times and they dont have anything in the system about/for me. Its basically showing me as non existent. I asked SCA Collections to verify the debt, but they couldnt & mailed something on XX/XX/XXXX thats totally in violation with the HIPPA law. Its a bill thats been reported wall 3 credit bureaus and having a negative impact on my credit for {$94.00}. I even offered to pay the debt without verification because of the damage its doing to my credit and SCA wont allow it! Im very disappointed in this unfortunate situation and really need help! Ive contacted the 3 credit bureaus of this situation via mail and Im currently waiting on a reply. I just want someone to actually listen and help with this situation.
|
| 05/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
I received a annual credit report and realized a debt collection was reporting on my creidt. So I sent the third party debt collectors a verification of debt letter, and they sent me a letter back with medical bill ( no signature, wrong address and medical information ) indicating that this was my debt. This is a HIPPA violation when false information pertaining to my social security and name is being shared to anyone other than myself and the supposedly hospital I owed this debt to. Also, once sold to a third party collection it is no longer my debt with no contract. I 'm pretty sure this hospital wrote this debt off after they sold it. I use to work in XXXX so I know these tactics and I refuse to be a victim of any scams done by these companies. I asked for the original documentation and received a unclear copy.
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
When a lender runs a credit report medical collections are supposed to come up as medical data furnishing but not include any of the personal information such as social security number or original bill collector. I was XXXX XXXX XXXX for 2 months fighting for my life in 2020 that's where these bills came from. XXXX XXXX it says that and all of my personal information. When it does that those collections have to be removed. It is illegal to disclose personal information. It's only supposed to say medical data furnishing. I can't get a mortgage or buy a car because of something that happened without my knowledge because I was XXXX XXXX XXXX fighting for my life. This is illegal and needs to be removed. I hav contacted a lawyer and this has to be removed. If it is not I will be taking further legal action
|
| 05/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am in the process of trying to attain a home loan. The lender discovered a brand new collection dated XX/XX/XXXX from a company called " SCA Collections , Inc ' ' on my credit reports. This collection is in the amount of {$200.00}. I 'd have gladly paid this if I knew I had any outstanding debts. I am alarmed becau se 1 ) I ta ke my FICO very seriously, having worked in XXXX fo r 15years, and 2 ) this debt collection company never reached out. I called them rep eatedly today ( X/X/17 ) an d a woman tried looking me up by my name, and by my social security number, and could n't find ANY debt associated with me. She explained it must have been a mistake, but she did n't offer any solution, and here I am with a poor FICO now. This is unethical. Please help. Thank you.
|
| 06/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SCA COLLECTIONS INC {$140.00}. XXXX XXXX. XXXX XXXX XXXX {$900.00}. XXXX XXXX XXXX ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX XXXX THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.
|
| 01/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
SCA Collections - XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX ( XXXX ) XXXX has been trying to collect a medical debt from me since 2016, I never received any notices in the mail. I checked my credit report and saw that they've been reporting negatively bringing my score down. I have since mailed off dispute letters via certified mail through USPS and we have been corresponding with one another ; they're refusing the remove the debt. I was sent a copy of a bill ledger saying that I had a medical procedure done that totaled up to {$370.00}. I asked SCA Collections to provide actual proof that this account or debt belongs to me and on several occasions they have failed to do so. I have filed XXXX XXXX XXXX XXXX complaint and nothing was done, they still refuse to comply.
|
| 06/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/22 I went to an in-network dermatologist. Two biopsies were taken and sent to a lab. I received a bill for {$1100.00} for that labwork. I wrote two written appeals disputing the lack of coverage from my insurance company ( XXXX ) and had numerous calls often over an hour long with their " advocate team ''. Unfortunately, I don't have those dates. The last thing I remember hearing was the latest appeal would be processed. I never heard back. This was in XXXX of 2022.
Today, I received a notice fro XXXX ( credit bureau ) that I have an {$1100.00} bill in collections. I never received any notice from my insurance company, the collections agency or the lab ( XXXX XXXX XXXX XXXX ) that this bill was going to collections after submitting the disputes.
|
| 01/29/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violations punishable under 18 U.S.C. 1001. Additionally, those misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
|
| 07/23/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, SCA collections received a certified letter ( XXXX ) in reference to a request to validate a medical debt for {$540.00} that I allegedly owed their client from XX/XX/XXXX. Instead, on XX/XX/XXXX, SCA Collections mailed me a bill detailing private medical procedures, performed by their client, without my prior authorization in violation of HIPAA laws. On XX/XX/XXXX, SCA Collections received a 2nd certified letter ( XXXX ) in reference to a continued failure to validate the alleged debt ( FDCPA Violation ) and an intent to sue for a HIPAA violation if the collection was not immediately deleted from all 3 major credit bureaus. As of the date of this complaint, SCA Collections has not responded or complied with my request for deletion
|
| 08/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 03/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.
|
| 11/19/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
|
| 04/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
SCA Collections of XXXXXXXX XXXX reported the account to the XXXX credit bureau, stating I owed {$180.00}. This amount was paid to the collections agency on XXXX, by check. I had received what appeared to be a duplicate collections notice with the same debt amount and account number. I enclosed a letter to the collections agency requesting that they verify the second letter represented an additional debt and was not a duplicate. I received no response from them until today, XX/XX/22, when the account was reported to the credit bureau, thereby damaging my credit. I believe this to be a violation of the Fair Debt Collection Practices Act, which states I have a right to written verification of any debts upon request.
|
| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an account with SCA Collections showing on my credit report with XXXX ( from XXXX XXXX ) in the amount of {$33.00}. The account was paid in full on XX/XX/2019 and I spoke with XXXX at SCA, who assured me a letter of payment and deletion would be sent to both XXXX and myself. As of XX/XX/2019, I have not received a letter and I verified with XXXX they have not either. XXXX indicated they update in live time and SCA has not sent it. However, SCA claims they sent it on XX/XX/19. Again, the account was paid in full, {$0.00} balance and SCA advised this would be removed from all credit reporting bureaus, with no further adverse affects. I need this taken care of as I am trying to clean up my credit report.
|
| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted SCA Collections concerning this debt. They sent a letter dated XX/XX/2019. They sent me copies of records from the original creditors. These records were placed in my name, unbeknownst to me, for pathology services for someone else. The address listed was the address of my ex-wife, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX. The listing is in my name but I never received these services. I'm looking into this as identity theft from what I assume is my ex-wife to whose address this was listed. I do not know the health professional listed, XXXX XXXX, either. This needs to be investigated as my information was most likely used fraudulently. The total for this bill is {$110.00}.
|
| 12/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 10/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good Afternoon, I wanted to reach out to inform you that I have sent numerous letters in attempt to clear my name and to dispute debt that is not owed in my regards, I have not received any response from the collection agency. I have reached out to all 3 credit bureaus as well and they just stated its under review. I have sent letters out since XX/XX/2021 and its now XX/XX/2021. Giving we are approaching XXXX soon. I am writing to you to see if you can help me clear this debt that they have no proof of. I have asked for them to show proof of bearing my signature, the third party they received my information from, and to provide me with the address and name who provided them with this info.
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found a debt in my name for {$150.00} listed on my credit report. Through investigation, I was able to discover that the collection agency reporting this {$150.00} was doing so on behalf of a medical facility in a state I have never visited. I wrote the credit reporting agency ( XXXX ) in XXXX 2017, who said I had to deal with the debt collection agency. I wrote the debt collection agency ( SCA Collections ) in XXXX 2017, who said that they could not provide me any proof or providence of the debt because of HIPPA laws protecting medical information. I wrote the original debt holder ( XXXX XXXX XXXX XXXXXXXX ) in XXXX 2017 who have never responded to my requests for proof of debt.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted this company numerous times about this account not belonging to me. They have never validated this debt or provided anything showing that this debt belongings to me. Additionally this debt is below {$500.00} so it should no longer be reporting. Also, the fact that they sent me something showing there is no balance on this yet it's showing on my XXXX credit report with a balance. This item needs to be deleted. They are violating my rights and the FCRA. This is defamation of character and this inaccurate information that never belonged to me in the first is causing me much anguish and higher interest rates due to effect this has on my credit. Remove this account.
|
| 09/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am a victim of unfair business practices and negligence. SCA Collections is acting against my rights. they are also re-aging the following accounts : SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed.
2. SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed.
My demand is that they stop collection activities and send a notice to the 3 major credit bureaus for these 2 items to get removed from my report. this situation is making me pay high interest rates and stopping me from getting credit opportunities.
Please send the attached documentation to the company.
Thank you.
|
| 08/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX report in the amount of XXXX. I have also sent disputes to XXXX regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter.
|
| 06/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
XXXX has posted false information on my credit report TWICE, The first time was a {$200.00} bill from XXXX XXXX, I proved to them that the VA had paid the bill and they Apologized after causing my XXXX Fico score to drop to XXXX.
Now they have SIX past due bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had 180days to process these claims with the VA but never followed thru? THEY ARE TOTALY INCOMPETENT! I have a VA letter stating they never filed in the required 180 days required.
They have now destroyed XXXX XXXX credit score of XXXX to XXXX that took 50 years to establish!
I'm a XXXX year old XXXX XXXX, with a XXXX XXXX Condition.
These people are VERY SAD!
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills were denied payment.
XXXX XXXX XXXX XXXX SCA Collections ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on XXXX. I immediately let them know it was fraud. These caused severe damage immediately for my credit score.
Collection Agency SCA COLLECTIONS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX SCA COLLECTIONS XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
|
| 10/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
on XXXX I sent information a Certified letter to SCA Collections. The letter was signed by XXXX XXXX on XXXXXXXX. My main reasoning for this is because SCA is a third party collection company and my information has been released tho SCA from XXXX XXXX XXXX the creditor. The letter I received have information which is Violation of the Hipaa Law. They are releasing information to me such as XXXX XXXX/XXXX w/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. SCA have reported this information to the Credit Bureaus XXXX, XXXX, XXXX. Indirect Violation of HIPAA LAW.
listed accounts SCA : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
|
| 02/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX sold my debt without any knowledge. I never received any paper work or mailing from XXXX XXXX before the debt was presented to the credit bureaus from sca collections. I then requested verification of debt from sca collections and they sent me confidential appointment information that was provided to them without my consent. SCA collections then started calling and harassing for payment of this unknown debt after I requested proof. Both of these companies have violated my HIPPA rights and I ask that all of my personal information be removed from these companies possession immediately.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 11/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a request to have a medical debt removed from my credit report. I had previously asked for validation, even though the collection agency states I did not, and had not received anything until 4 days ago. Upon opening the envelope, I was shocked to see a statement of procedures I received from XXXX XXXX. I have no problem paying what they state I owe, which I also dispute but will just eat it and pay, but I feel a Hipaa violation has occurred with a list of my medical procedures being sold to an agency for collection. Furthermore, XXXX XXXX XXXX XXXX is not licensed to collect in XXXX, Florida.
|
| 12/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 08/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
|
| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A new law took effect in XXXX stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my XXXX credit report for {$61.00} from a collection agency named : SCA Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my XXXX credit report. I have request for this to be done, but SCA Collections refuses to delete this medical collection. I would like to have the CFPB to force SCA Collections to delete this medical collection as per the new law. Thank you.
|
| 09/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have contacted these collectors several times in regards of medical debt I have received they are in violation of HIPPA which protects my information in details. they have sent me a breakdown of the fees and patient report history which is a violation of HIPPA I did not consent for third party to have access to my personal health information they are in violation and will need to remove these debts. From all reporting credit agencies and a letter of deletion. SCA collections for ( XXXX XXXX in the amount of XXXX and City Of XXXX for XXXX ) needs to be deleted again in violation of HIPPA.
|
| 03/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
SCA Collections currently has three medical accounts of mine and are on my credit for a balance. I don't know anything about these debts and not even sure if they are valid or even mine. I sent them debt validation letters and never got a response back from them so now I'm getting tired of the hassle with them being on my credit. If a creditor sold them the debt they still couldn't validate it because it is illegal for a medical facility to share any medical information about you because that would be violating the hippa act so I am not satisfied with what's going on with these collections.
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to Intent to SCA Collections, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA AND HIPPA laws were violated. That fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
|
| 10/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was informed in XX/XX/2015 that I owed {$420.00} to XXXX XXXX for some testing they had done at the request of my physician back in XX/XX/2015. I called them and set up a payment plan where I needed to pay {$55.00} a month. I paid {$55.00} on XX/XX/2015, {$200.00} on XX/XX/2015, {$100.00} on XX/XX/2015 and the final payment {$71.00} on XX/XX/2015. I reviewed my credit history recently and found that they are saying I still owe {$40.00} and they sent that amount to a collections agency to collect on. This was not brought to my attention and is inaccurate, as I paid the full amount due.
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been disputing a debt from XXXX XXXX represent by SCA collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.
|
| 07/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The original creditor submitted claim under incorrect insurance member ID. They had 6 months to resubmit under correct member ID but instead sent to SCA Collections to try to collect this debt. XXXX XXXX waited until more than 1 year after date of service ( XX/XX/2021 ) to resubmit claim to XXXX XXXX for payment under correct Member ID. I have attached documents from XXXX XXXXXXXX XXXX my XXXX insurance ) showing the amount of this debt that I am responsible for is XXXX! PLEASE seize all attempts to collect this debt and delete from my credit report IMMEDIATELY!
|
| 05/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in receipt of my credit report dated XXXX XXXX , 2017 attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.
|
| 05/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not recall receiving any info telling me that this bill was in collections. I happened to look into my credit report and saw that this has been reporting for several years. Since it was a low amount, I called the company and simply paid the bill. Even though I was not aware from which it came. After paying this, I contacted the company with no avail. It is still reporting negatively. Please look into this matter and contact me in the upcoming weeks as I am attempting to work on my credit score. Thank you and I am looking forward to hearing from you soon.
|
| 06/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted information in regards to a debt allegedly owed to SCA collections. I requested the information in which I am legally entitled to receive on XX/XX/XXXX. SCA indicated that I owed a debt from XXXX and place the account on all credit bureau reporting sites I received a response on XX/XX/XXXX. The letter attached indicated that the original creditor provided the information. However, the information was received on what appeared to be a typed word documentation and did not appear to be valid. The company indicated that I currently owe {$130.00}.
|
| 09/25/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently inquired about a medical collection that popped up on my credit report. I send a certified letter to SCA and the response received was a itemized bill listing personal information, procedure coding, facility information, and description of services. I requested a copy of said contract with my signature and they have failed to comply. Unfortunately, the said collection company and original creditor have violated my privacy with the responding received from the credit validation request. I am asking for this item to be removed immediately.
|
| 10/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was alerted to a collection on my credit report that states it is from an unpaid medical bill for {$60.00} that SCA Collections is trying to recover. I contacted SCA Collections this morning, they told me that they have sent a letter and tried to call but I did not receive anything. They told me the debt was originally from XXXX XXXX XXXX in XX/XX/2018 and I never received any services from them. This is a falsely reported debt and I need it removed from my report. I told them this information and they told me there was nothing they could do.
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company that which goes by, SCA COLLECTIONS XX/XX/XXXX the original creditor was XXXX XXXX XXXX has taken a debt out under my information and credit file of {$260.00} from the date of XX/XX/2014. I was never at the place there talking and have tried contacting them but seems like all they want to get is a card number and my information. I have tried to get it straightened out but I feel like all they want is my money for something to do nothing about or with me or involving me. There hurting my character figure and financial well being.
|
| 12/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This creditor has been notified of me being the Victim of Identity theft. This creditor has also been made aware of the police report that was filed and the result of someone being incarcerated for a Drivers License with my name. This Company is also aware that I have XXXX. I 've always had XXXX as an Insurance provider. This company is also aware that any bills I accumulate while I 'm insured by XXXX would 've been paid by XXXX. Additionally it is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET MEDICAL EXPENSES.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
SCA COLLECTIONS XXXX -- - XXXX XXXX XXXX DATE OPENED- XX/XX/2022 DATE UPDATED- XX/XX/2022 AMOUNT- {$100.00} ACTIONS TAKEN BY COLLECTIONS - XXXX negative reports on my credit report, that are impacting my XXXX XXXX negatively, and all of this being done as a VIOLATION of my rights. No medical bill should be reported on my credit report if it is below {$500.00}, furthermore if I have not signed a contract allowing them access to my medical information.
ACTIONS TAKEN BY ME- Dispute was filed ( date is not exact ) 6-7 weeks ago.
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dear sirs ; I requested information to validate this debt. When I questioned what was sent to me this company has not answered. I requested SCA Collections to provide me with more information about these alleged debts and the have ignored my request. I asked them to remove these collections from my XXXX and XXXX credit reports if they could not provide me with what I asked for they have ignored my request, They have not answered my letters and at this point I question if this is a real company This debt has not been validated.
|
| 07/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to XXXX, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, XXXX continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.
|
| 05/06/2021 |
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
|
|
Web |
|
|
I have received a copy of my credit report and it shows company SCA COLLECTIONS XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
|
| 07/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
SCA Collections has reported four collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. SCA Collection is acting as an illegal collection agency, defying federal collection law.
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I requested validation from SCA COLLECTIONS of two unknown medical accounts being reported to XXXX, XXXX, and XXXX. They have provided me zero information to validate these debts. I believe they are reporting fictitious information on my credit reports. This strikes me as being deceptive. These accounts have been left invalidated and must be removed by law. In fact, SCA COLLECTIONS may be violating HIPAA laws along with Federal and State statutes on fraudulent extortion and illegal collection activities.
|
| 10/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have received several letters from SCA Collections. Each time I have responded with a written letter informing them that I do not owe the debt. I have included with each correspondence a copy of my billing statement from XXXX XXXX of XXXX XXXX showing a XXXX balance. I logged into the XXXX XXXX website this morning and verified once again that I do not owe them any money. My insurance has paid their portion and I have paid my portions. I am mailing my 4th letter to them today asking them to stop contacting.
|
| 08/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
So Ive attempted to write letters and numerous disputes with this company - SCA COLLECTIONS- XXXX XXXX XXXX XXXX XXXX or around : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Although Ive had Medicaid and they specifically sent them the information that its been paid and that I had valid XXXX insurance through Cover VA Medicaid plans XXXX Ive been through over 3 hours of wait times and talking to people on the phone. Something has GOT TO GIVE!! Please help me. XXXX XXXX XXXX
|
| 02/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Scam collections is reporting two accounts on my credit report one for a XXXX balance and one for XXXX. I have not received information from them reguarding the balances owed and even after trying to pay just to have it cleared off of my report SCA Collections refused to remove the paid balance and is still Showing XXXX on my credit report. I do not believe these bills to be accurate or factual and have received no Information from SCA to prove they are. Please delete both accounts from my report
|
| 10/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
sca collection XXXX inXX/XX/2012 is trying to collect a debt from me I don't know where this came from ive disputed this debt serval times and I need this to be resolved. ive sent forms to the credit agencies and they haven't giving me proof that this is mine please help me with the issues.
I also have an inquiry that was issued on me called XXXX an inquiry that I did not authorize. I don't even know where that inquiry came from. can you help me figure these out and remove from my account,
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
The original creditor : XXXX XXXX XXXX shows the debt was opened on 2 different dates, XXXX on XX/XX/XXXX and also XXXX and XXXX on XX/XX/XXXX, amount {$2500.00} and it was charged off. A company, SCA Collect, that I did not know of placed an charged off account on my credit report without my consent or knowledge. They reported it on XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. That is a deformation of character. I am trying to purchase a newer car for transportation for work.
|
| 04/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$71.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
|
| 02/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SCA collections has been attempting to collect a debt I do not owe. The number of accounts that they claim I owe have been decreasing over time. I have been successful in removing some accounts.
As they have claimed in past disputes 'I have 6 accounts. ' That is incorrect. I have a credit report from last year showing 7 accounts. and my most recent report shows 4. This is becoming very time consuming and I want to cut all ties with this company I never chose to do business with.
|
| 09/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been successful in removing some accounts from SCA collections off of my credit report due to HIPPA violations but other accounts remain from the same creditor. XX/XX/XXXX an account was removed due to HIPPA violations but recently other accounts have been updated.
The information is very inconsistent and unreliable. This is causing adverse effects to me obtaining credit. The same account number shows as deleted and then it also shows as updated on the same report.
|
| 06/25/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
In examining my credit report I see an open account for {$26.00} that I was not made aware of. The account is only active on XXXX reports, but shows no balance on XXXX of them. The company continues to report this balance even after attempts to remove and pay the {$26.00} supposedly on file for XXXX reporting agency. I have made multiple attempts to contact and have left a message to resolve, but have not received any reply to remove this from my credit report.
|
| 11/27/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.
|
| 07/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have never done business with or signed any contracts with SCA Collections Inc. and they are attempting to defraud me of money via the United States Postal Service.
On XX/XX/2020 I sent a letter via certified mail with return receipt requesting that this company validate the debt they claim I owe.
The letter was received and signed for on XX/XX/2020.
The collection was then removed and illegally placed back on my credit files on XX/XX/2020.
|
| 09/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX and XXXX.
1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) SCA COLLECTIONS XXXX {$310.00} 7 ) SCA COLLECTIONS XXXX {$440.00} 8 ) XXXX {$8800.00} 9 ) XXXX XXXX XXXX {$110.00}
|
| 03/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is reporting a different amount owned with every credit bureau for the same company, I recently sent the debt validation letter from the CFPB site and this company removed XXXX account. ( no response ) This is the XXXX time I have reported this company removing accounts.
Also I was covered by XXXX and XXXX during the time of these charges and all other medical claims were paid these accounts were incorrectly billed
|
| 12/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX my dispute letter was delivered to SCA Collection in order to dispute information I had seen on my credit report, I also requested a XXXX Original Issue Document From this alleged collection agency as of today it is XX/XX/XXXX and I still didn't receive any information on this alleged collection and I need it to remove both accounts from each credit bureau immediately the alleged Account numbers are XXXX and XXXX
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I choose to dispute a false claim from SCA collections in regards to a claim of {$620.00}. The XXXX XXXX XXXX allowed me to dispute 3 accounts totaling the XXXX. I was given an account number from SCA to pay the bill however the account number given is not valid. I need a dispute letter from XXXX so I can proceed to contest this payment and set my credit record free. Thanks for your help pertaining this matter.
|
| 01/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to dispute the following information that appears on my XXXX, XXXX and XXXX consumer report. SCA collections is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.
|
| 10/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Approximately 6 months ago, I sent a certified letter to XXXX asking for this account to be removed from my credit report due to not receiving a notice 5 days prior to debt being placed on my credit report, and due to not having any knowledge of this debt. I was sent an email back stating the debt was mine and I must pay it. There was never any proof of any signed contract between myself or SCA Collections.
|
| 10/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid the amount of {$77.00} on XX/XX/2022 for my medical payment to the company of XXXX XXXX XXXX XXXX. I received a letter from SCA Collections around XX/XX/XXXX for the amount of {$77.00}. I tried calling multiple times during regular business hours to talk with a representative, but have had no luck reaching a person to dispute this charge. I have the credit information to prove that it was paid.
|
| 11/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company has been contacted previously stating its to late to refile insurance, my claim is that the changes are not legitimate. The service provided is not reflected in the invoice. I have over billed and XXXX has paid out all debt owed and deductibles have been met. I did not authorize these charges and written proof with my signature has not been provided as requested. Pleased remove at once.
|
| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SCA Collection is reporting 4 collection accounts on my credit report that should not be there. The account numbers are XXXX, XXXX, XXXX, and XXXX. All four of these accounts are subject of a medical malpractice lawsuit, and should not be reporting on my credit file. I have asked SCA Collections, and XXXX XXXX, to remove these accounts from report. So far, they have refused to take any action.
|
| 01/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After several attempts to get proper documentation from SCA I contacted XXXX XXXX direct and I spoke with XXXX in billing on XX/XX/2023 she could not locate the account that SCA is trying to collect for much less provide any documentation showing the account is mine however, SCA has certified multiple times. This account is valid without once providing documentation, supporting their claims.
|
| 12/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A collection agency is charging me over {$400.00} for a medical bill. The amount is wrong, and the notes according to the person I spoke with said they contacted my insurance company on two occasions to collect their portion of the payment but insurance company did not reply. Im sorry but just because the insurance company did not pay their part does not mean I am responsible for their part.
|
| 08/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a debt validation letter to the debt collector : SCA Collections, INC asking them to validate a collection account with Creditor : Professional Pathology Services. SCA Collections, INC was unable to validate. SCA Collections, INC is reporting on my XXXX report on a claim that they can not prove in the amount of ; {$500.00}. I would like this investigated and removed from my report.
|
| 06/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.
|
| 08/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I had insurance coverage through XXXX separate federal entities and I do not understand how I have a debt with this company. When I called this company to verify my concerns they gave me a number to another company that the debt was sold to because they do not deal with the company that managed their billing anymore. I was unsuccessful contacting anyone at the phone number given to me.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed XXXX XXXX XXXX and SCA Collections on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from SCA Collections even telling me they will delete the negative item from credit file.
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
|
| 05/06/2021 |
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
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company SCA COLLECT ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 11/15/2022 |
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
|
|
Web |
|
|
I am requesting to have XXXX XXXX XXXX {$70.00} and SCA Collections {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These XXXX accounts are affecting my XXXX XXXX. I have written to bother agencies and didn't get a response from either account. Both may be XXXX. I repeat these are not my account.
|
| 10/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have contacted company and requested written documents showing ownership and liability of debt as to date none have been provided. XXXX XXXX has reviewed and found the debt unauthorized and/or not provided as such this debt is not valid. Further more this debt was purchased by a third party debt collector Who is reporting medical information in violation of HIPAA laws.
|
| 01/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??
|
| 12/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
this company has continued to collect on a debt that is not mine the account was created as a result of my identity being stolen i have had to get a police report id theft affidavit notarized and i gave them copies of my id and ss card all of this i emailed to XXXXXXXXXXXX and faxed to them as well @ XXXX about this fraudulent account that needs to be removed
|
| 06/03/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
paid for this bill to XXXX medical center for six year or more years! then stopped billing me, and turned over to collection agency filling on my credit!! this is a six and one half years old and I never missed not XXXX payment! this was all caused from a insurance company I paid for fifteen years did not pay a bill they approved with hosp. and XXXX!!
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 03/21/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse.
|
| 02/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.
|
| 04/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Recently I was applying for a mortgage and discovered I had a {$200.00} collection for a PAID medical bill with XXXX XXXX CLIENT # XXXX, XXXX # XXXX.
I paid {$200.00}. My insurance paid {$160.00}, therefore, the bill was overpaid. I was refunded {$160.00} AND XXXX put me in for collections with SCA Collections Inc -- XXXX NC. XXXX.
|
| 10/16/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My medical records were sold to a credit company that I did not receive medical treatment from. Im not sure who these people are but Im pretty sure its against the law. I dont want them to have my information. I would like them to destroy the debt as well as anything they have with my name on it, or any of my personal information.
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made a payment directly to the company XXXX XXXX XXXX XXXX in XX/XX/2019. The collection agency is SCA COLL and theyve resubmitted to the credit bureaus as if the payment was not satisfied. I contacted the original debtor and they said they would contact SCA. Im pretty sure its an error not sure why would they resubmit my info.
|
| 11/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I sent a certified validation letter on XX/XX/2021 to prove that I owe this debt with my signature that I approved this service, medication that was taken, all doctors involved and my medical history. The collection agency did not prove that this debt of {$250.00} was my responsibility. They didn't prove I sign for any service
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A collection agency named SCA just reported a {$120.00} collection account on my credit report. I had no contact from SCA in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.
|
| 02/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I made several attempts to remove SCA collections off my XXXX credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and XXXX failed to respond and remove said reports
|
| 10/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Sca Collections is reporting inaccurate information on my XXXX CREDIT REPORT {$110.00} open XX/XX/2016 Original creditor XXXX XXXX XXXX I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS NEITHER THE CREDIT BUREAU ( XXXX ) nor SCA COLLECTIONS HAS RESPONED WITH PROOF OF THIS INFORMATION This is a result of identity Theft.
|
| 06/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt. I was sent a detailed summary of procedures that was rendered which is a violation of HIPPA Laws which is still not a contract baring my signature.
|
| 03/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX i called SCA collections spoke with agent was able to help me to an exted i request itemeized statement was told yes i will send to your address stated they cant file with my insurance or medicaid. XX/XX/XXXX - i was looking for more information to become resposnsible but not willing to share or help me.
|
| 10/19/2023 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
SCA Collections, this company has XXXX accounts on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notice, this company placed negative marks on my credit report. I do not know this company and never had any business with this company.
|
| 05/05/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Report Act SCA Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. states that 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.
|
| 11/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested validation of alleged accounts with SCA Collections Inc. First letter submitted validation request certified mail via USPS on XX/XX/2020. SCA sends a itemized bill via USPS XX/XX/2020. 2nd request validation letter was sent on XX/XX/2020 via certified mailed USPS. No response received.
|
| 09/04/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have an outstanding medical bill I was completely unaware of. I relocated cities and never received this bill or else I would have paid it immediately. I ran my credit on XXXX XXXX yesterday and was shocked to see I had an outstanding debt. Please let me know how I can resolve this issue ASAP!
|
| 11/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received notification concerning this debt. I have never been treated or seen by this medical company. I dispute the validity of this debt in its entirety. In addition to this I was never notified that this debt would be attached to my credit file which is against the FCRA laws.
|
| 07/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Contacted SCA collections on XX/XX/2021 by certified mail requesting debt validation.
Sent second request by certified mail on XX/XX/2021 XXXX request was sent on XX/XX/2021 by certified mail.
Company failed to properly valid debt within 30 days and is in violation of the FCRA.
|
| 08/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.
|
| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
SCA Collection I called them about several medical bills that been on my credit reports since 2015 And asked if I could request charity since I was having a hardship during that time and I was told no, that the only thing I could was make payments on debts until paid in full
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..
|
| 04/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.
|
| 08/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!
|
| 11/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The SCA Collections has been hoarding and replacing collections into my accounts the past several years. The amounts are {$3900.00}, {$72.00}, and {$2100.00}. I have been going through a financial crisis, and they refuse to show me where all these amounts add up.
|
| 10/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Insurance co was supposed to pay this medical debt in amt of {$660.00} and {$73.00}. I told them that insurance was supposed to cover this debt, they kept telling me they will just add it to my credit report and it will ruin it if I do n't pay them in full.
|
| 02/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have sent several letters and debt validation request to the creditor for over two years since 2016 and i have not received information proven that this debt was rendered towards both insurances XXXX and my private insurance provided thru my employer.
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I am not sure what these items are on my credit but I would like them removed NOW please. This is unfair and I have already submitted a dispute to have these removed over 30 days ago but they are still there. I will attach all documents below.
|
| 08/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have received two notifications from a credit monitoring service that I have a new account with SCA Collections and there have been two derogatory marks placed onto my credit score despite no information being received in any way from them.
|
| 07/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed a negative account on my credit report from SCA Collections. I have never received any information about this account from the company reporting the information. The company has refused to send me information about this account
|
| 05/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX & XXXX I contacted SCA Collection agencies with the request to provide supporting documentation to support their claim.
In XXXX a complaint uploaded through CFPB - refer to dispute # XXXX-XXXX SCA COLLECTIONS, INC for comments.
|
| 12/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On my XX/XX/2020 my dispute to SCA collections was delivered I requested the 1099-oid and them to remove this account because it is medical and I did not give anyone permission to report my private information since then not response
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with SCA COLLECTIONS XXXX plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$310.00}
|
| 08/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is a company on my credit report stating I owe a debt. It has no name and no lender information. I have no received anything via mail or phone about this debt and I am disputing to get it removed off my credit.
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
|
| 08/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter
|
| 03/02/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that proof of the alleged debt, nor therefore any such debt in fact exists.
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SCA Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 12/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Account was placed with collection agency XXXX on XX/XX/XXXX. Account was immediately reported on credit report on XX/XX/XXXX as a collection. I never received a noticed of my right to dispute.
|
| 04/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm on XXXX with XXXX XXXX and XXXX XXXX for low income.
SCA collections {$1500.00} XXXX XXXX XXXX XXXX # XXXX I don't owe anything XXXX XXXX XXXX XXXX
{$350.00} XXXX XXXX, XXXX XXXX # XXXX
|
| 02/12/2023 |
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
|
|
Web |
|
|
I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
|
| 08/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2018 I paid {$70.00} in full to have a item removed from my credit report. They did not tell me over the phone that if I paid the account the Item would still remain on my report.
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Im a XXXX veteran. Before i got my V.A. XXXX I went to civilian doctors for my XXXX XXXX XXXX, all of my medical charges were put into collection. It has hurt my credit score severely,
|
| 10/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
SCA Collections XXXX XXXX I attempted to call and pay a debt but was then informed I had debts that do not exist that I had to pay. All for things I never heard of or was a party of.
|
| 10/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
My ID was stolen 2012. Used for medical stuff I do not know or recognize. I have disputed to all XXXX credit bureaus, but it has not been taken off my credit report yet. Please help!
|
| 12/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This SCA collections is damaging my credit by attempting to collect a fraudulent debt. I have never heard of this company or the medical office they are supposedly representing.
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
SCA Collection XXXX acct # XXXX Violated my rights on XXXX/XXXX/2022.
The violation these laws 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
SCA Collection XXXX acct # XXXX Violated my rights on XXXX/XXXX/2022.
The violation these laws 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
|
| 10/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The provided address of SCA Collections registered agent, is fictitious. A deputy tried to serve a summons on XX/XX/2020 and reported that the address does not exist.
|
| 07/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.
|
| 02/20/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I HAVE NEVER DONE BUSINESS WITH THEM NOR HAVE I SIGNED A HIPAA RELEASE OF INFORMATION FOR THEM TO OBTAIN MY MEDICAL INFORMATION. MY HIPAA RIGHTS HAVE BEEN VIOLATED
|
| 11/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
All my hospital bills consist of me having insurance XXXX hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCA collections we have had insurance for everything XXXX
|
| 07/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THERE ARE NO WRITTEN CONTRACTS STATING THAT I OWE THIS DEBT TO THIS COMPANY ; I HAVE NOTHING STATING THAT I OWE THIS COMPANY SCA COLLECTIONS ; PLEASE REMOVE
|
| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Sca Collections Inc - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.
|
| 07/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2019 SCA Collections added a debt to my credit reports in the amount of {$75.00} without giving me written notice or a chance to have debt validated.
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received collections letter from SCA collections regarding XXXX XXXX XXXX, i have no knowledge of this debt & ask that it be removed from my credit file.
|
| 09/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was XXXX and I didn't have medical.. but was given grants and XXXX at the hospital.. all the debts were paid via grants and XXXX including this one..
|
| 05/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called the company SCA collections and asked them to update the credit report and they have not yet. Please help me to get this resolved and removed
|
| 07/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Information not correct please be provide info and remove from my credit.XXXX XXXX for XXXX and XXXX, XXXX XXXX forXXXX and XXXX XXXX XXXX for XXXX $
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.
|
| 08/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm on XXXX for the past 10 years and have XXXX and XXXX they have been paying for my medical bills and I should not have to pay for this one
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached.
|
| 08/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 11/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Yes I have several accounts on my credit report that are not mine, along with addresses that are mine along with phone numbers
|
| 06/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I wasn't given enough information to verify that the debt belong to me. The debt collector was extremely rude and aggressive.
|
| 07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.
|
| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts
|
| 09/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This debt was paid by my insurance provider, XXXX XXXX XXXX and the XXXX XXXX XXXX. that I qualified for XXXX treatment.
|
| 01/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I asked for an itemized bill and no information matches whats on my credit profile. Company is no longer responding.
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The debt in collections was paid in full on XX/XX/2020. This should be removed from my report and my score updated.
|
| 04/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never had an account with SCA Collections. and this is a HIPPA violation of my personal information.
|
| 10/12/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX collections account appeared on my credit report Contact XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've asked the company to remove debt from my file completely. I have no knowledge of the accounts.
|
| 11/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account has had several issues from the beginning. This account has been settled since 2013.
|
| 03/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt and the company has not proved otherwise or provided any information to me.
|
| 10/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Letters were sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
|
| 12/08/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American, Servicemember |
|
All my medical bill should have been sent to Attorney XXXX XXXX not to the credit bureau
|
| 11/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Requested validation of this account and have not received sufficient documentation
|
| 08/09/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Misunderstanding at hospital was correct immediately and paid off. {$0.00} balance.
|
| 02/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a debt for XXXX dollars.
My insurance paid everything. I owe nothing.
|
| 06/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
this was charged to me ... ..this is not my debt ... .SCA Credit Services , inc
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
was paid in full and no update still says needs attention.. been over 2 months
|
| 10/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
sca collection has re-aged an old debt in an attempt to ruin my credit.
|
| 02/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
dont know why this account is on my credit report. I need it verified.
|
| 08/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I did not attain medical services and do not recognize these charges.
|
| 02/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Information showing on my credit report is inaccurate and not mine.
|
| 01/20/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
No contract signed nor consent given by me, HIPPA violation XXXX
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no knowledge concerning debt with SCA Collections Inc
|
| 12/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated calling and not working with us on the payment
|
| 03/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, {$75.00}. Put a collection on my credit report
|
| 06/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft.
|
| 10/16/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Tried to resolve debt but no solution.
|
| 01/05/2024 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/09/2023 |
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
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 02/23/2023 |
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
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/23/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 07/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/07/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2021 |
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
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/22/2021 |
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
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 10/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/09/2021 |
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
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2021 |
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
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2021 |
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
|
|
Web |
|
|
|
| 04/09/2021 |
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
|
|
Web |
|
|
|
| 04/09/2021 |
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
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/12/2021 |
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
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2021 |
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
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 09/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 07/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/03/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 04/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2018 |
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
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 08/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 03/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 05/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/16/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/09/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/08/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/26/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/08/2017 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
|
|
|
| 02/08/2017 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 12/21/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/21/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/16/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 05/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 05/10/2016 |
Yes |
|
|
|
Web |
Older American |
|
|
| 05/04/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 03/08/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/23/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/07/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/27/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/22/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/10/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 07/09/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/27/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 08/08/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 03/28/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|