Smith, Rouchon & Associates, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35601	Web	Servicemember
This company is violating many of my personal rights ... .THIS IS NOT THE SAME NOR IS IT A SIMILAR COMPLAINT IT IS AN ABSOLUTE NEW ONE IN WHICH I AM CLAIMING CRIMINAL CHARGES!!!! IN ACCORDANCE WITH 18 USC Code 241 18 U.S. Code 241 - Conspiracy against rights U.S. Code If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as non permissible purpose 15 USC 1681b ( 2 ) 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information- ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that- ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if- ( A ) the person who obtains such report from the agency certifies to the agency that- ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates- ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification- ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumer 's request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumer 's rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that- ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will- ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made- ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term " classified information '' means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders. ( ii ) National security investigation The term " national security investigation '' means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) of this section ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ) of this section, to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only- ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) of this section in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) - ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall- ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) - ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency- ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ) of this section, furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall- ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumer 's election to have the consumer 's name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency- ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumer 's election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agency 's own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless- ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction- ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed- ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) 2 Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality. ( Pub. L. 90321, title VI, 604, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1129 ; amended Pub. L. 10173, title IX, 964 ( c ), Aug. 9, 1989, 103 Stat. 506 ; Pub. L. 104193, title III, 352, Aug. 22, 1996, 110 Stat. 2240 ; Pub. L. 104208, div. A, title II, 2403, 2404 ( a ), ( b ), 2405, Sept. 30, 1996, 110 Stat. 3009430, 3009-431, 3009-433, 3009-434 ; Pub. L. 105107, title III, 311 ( a ), Nov. 20, 1997, 111 Stat. 2255 ; Pub. L. 105347, 2, 3, 6 ( 4 ), Nov. 2, 1998, 112 Stat. 3208, 3210, 3211 ; Pub. L. 107306, title VIII, 811 ( b ) ( 8 ) ( A ), Nov. 27, 2002, 116 Stat. 2426 ; Pub. L. 108159, title II, 213 ( c ), title IV, 411 ( a ), 412 ( f ), title VIII, 811 ( b ), Dec. 4, 2003, 117 Stat. 1979, 1999, 2003, 2011 ; Pub. L. 108177, title III, 361 ( j ), Dec. 13, 2003, 117 Stat. 2625 ; Pub. L. 109351, title VII, 719, Oct. 13, 2006, 120 Stat. 1998 ; Pub. L. 110161, div. D, title VII, 743, Dec. 26, 2007, 121 Stat. 2033 ; Pub. L. 11124, title III, 302, May 22, 2009, 123 Stat. 1748 ; Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( A ), ( 4 ), July 21, 2010, 124 Stat. 2087. ) References in Text The Federal Deposit Insurance Act, referred to in subsec. ( a ) ( 6 ), is act Sept. 21, 1950, ch. 967, 2, 64 Stat. 873, which is classified generally to chapter 16 ( 1811 et seq. ) of Title 12, Banks and Banking. For complete classification of this Act to the Code, see Short Title note set out under section 1811 of Title 12 and Tables. The Federal Credit Union Act, referred to in subsec. ( a ) ( 6 ), is act June 26, 1934, ch. 750, 48 Stat. 1216, which is classified principally to chapter 14 ( 1751 et seq. ) of Title 12, Banks and Banking. For complete classification of this Act to the Code, see section 1751 of Title 12 and Tables. Section 1681g ( c ) of this title, referred to in subsec. ( b ) ( 1 ) ( B ), ( 3 ) ( A ) ( ii ), ( B ) ( ii ), was amended generally by Pub. L. 108159, title II, 211 ( c ), Dec. 4, 2003, 117 Stat. 1970, and, as so amended, no longer contains a par. ( 3 ). Section 1681m ( a ) ( 3 ) of this title, referred to in subsec. ( b ) ( 2 ) ( B ) ( i ), was redesignated section 1681m ( a ) ( 4 ) of this title by Pub. L. 111203, title X, 1100F ( 1 ) ( A ), July 21, 2010, 124 Stat. 2112. Executive Order No. 12958, referred to in subsec. ( b ) ( 4 ) ( D ) ( i ), which was formerly set out under section 435 of Title 50, War and National Defense, was revoked by Ex. Ord. No. 13526, 6.2 ( g ), Dec. 29, 2009, 75 F.R. 731. The Health Insurance Portability and Accountability Act of 1996, referred to in subsec. ( g ) ( 3 ) ( B ), is Pub. L. 104191, Aug. 21, 1996, 110 Stat. 1936. For complete classification of this Act to the Code, see Short Title of 1996 Amendments note set out under section 201 of Title 42, The Public Health and Welfare, and Tables. Section 1179 of such Act, referred to in subsec. ( g ) ( 3 ) ( B ), probably means section 1179 of the Social Security Act, as added by section 262 ( a ) of Pub. L. 104191, title II, Aug. 21, 1996, 110 Stat. 2030, which is classified to section 1320d8 of Title 42, The Public Health and Welfare. Amendments 2010-Subsec. ( b ) ( 1 ) ( B ), ( 3 ) ( A ) ( ii ), ( B ) ( ii ). Pub. L. 111203, 1088 ( a ) ( 2 ) ( A ), substituted " Bureau '' for " Federal Trade Commission ''. Subsec. ( g ) ( 3 ) ( C ). Pub. L. 111203, 1088 ( a ) ( 4 ) ( A ), added subpar. ( C ) and struck out former subpar. ( C ) which read as follows : " as otherwise determined to be necessary and appropriate, by regulation or order and subject to paragraph ( 6 ), by the Commission, any Federal banking agency or the National Credit Union Administration ( with respect to any financial institution subject to the jurisdiction of such agency or Administration under paragraph ( 1 ), ( 2 ), or ( 3 ) of section 1681s ( b ) of this title, or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). '' Subsec. ( g ) ( 5 ). Pub. L. 111203, 1088 ( a ) ( 4 ) ( B ), added par. ( 5 ) and struck out former par. ( 5 ) which related to prescription of par. ( 2 ) regulations by each Federal banking agency and the National Credit Union Administration and required issuance of final regulations before the end of the 6-month period beginning on Dec. 4, 2003. 2009-Subsec. ( c ) ( 1 ) ( B ) ( iv ). Pub. L. 11124 added cl. ( iv ). 2007-Subsec. ( a ) ( 3 ) ( G ). Pub. L. 110161 added subpar. ( G ). 2006-Subsec. ( a ) ( 6 ). Pub. L. 109351 added par. ( 6 ). 2003-Subsec. ( a ). Pub. L. 108159, 811 ( b ), realigned margins. Subsec. ( b ) ( 4 ) ( D ) to ( F ). Pub. L. 108177 struck out subpars. ( D ) and ( E ) and redesignated subpar. ( F ) as ( D ). Prior to amendment, subpars. ( D ) and ( E ) read as follows : " ( D ) Report to the congress.-Except as provided in subparagraph ( E ), not later than January 31 of each year, the head of each agency and department of the United States Government that exercised authority under this paragraph during the preceding year shall submit a report to the Congress on the number of times the department or agency exercised such authority during the year. " ( E ) Reports to congressional intelligence committees.-In the case of a report to be submitted under subparagraph ( D ) to the congressional intelligence committees ( as defined in section 401a of title 50 ), the submittal date for such report shall be as provided in section 415b of title 50. '' Subsec. ( e ) ( 3 ) ( A ), ( 4 ) ( B ) ( i ). Pub. L. 108159, 213 ( c ), substituted " 5-year period '' for " 2-year period ''. Subsec. ( g ). Pub. L. 108159, 411 ( a ), amended heading and text of subsec. ( g ) generally. Prior to amendment, text read as follows : " A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report. '' Subsec. ( g ) ( 1 ). Pub. L. 108159, 412 ( f ) ( 1 ), inserted " ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) '' after " a consumer report that contains medical information '' in introductory provisions. Subsec. ( g ) ( 2 ). Pub. L. 108159, 412 ( f ) ( 2 ), inserted " ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) '' after " a creditor shall not obtain or use medical information ''. 2002-Subsec. ( b ) ( 4 ) ( D ). Pub. L. 107306, 811 ( b ) ( 8 ) ( A ) ( i ), substituted " Except as provided in subparagraph ( E ), not later than '' for " Not later than ''. Subsec. ( b ) ( 4 ) ( E ), ( F ). Pub
01/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39401	Web
On XX/XX/XXXX I had a collections account opened up in my name for a previous student loan that I thought my parents had taken care of for my first semester of college at XXXX XXXX XXXX College in XXXX, MS. At the time upon receiving a letter of this matter going into collections my Dad ( XXXX XXXX ) stated he had called the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ) to work out a payment plan with them to pay off the item that is in collections which at the time the original amount was {$1200.00}. To my knowledge this debt was paid off, I had never looked at any of my credit reports simply because I had not needed to, I had never applied for any type of credit card etc, so I never even thought about anything being on my credit report. Around XX/XX/XXXX, I decided one day to check my credit report and happened to notice that I still had this item in collections, and not only that but a negative balance showing I owed {$1100.00}. I called my Dad ( XXXX XXXX ) to ask if he had paid it off and indeed he had been giving me lies stating he did, when in reality back in XX/XX/XXXX he had only called them to make a manual payment of {$50.00} hence why my original balance was only {$50.00} more. Of course at this point I was bothered by the situation and did everything in my power to speak with the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ) about the item that was on my report in collections. From the beggining of XX/XX/XXXX. to the end of XX/XX/XXXX. I tried to get in contact with the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ) each time I called, which was once possibly twice a week I would be told either a lie about how much I owed them ( wrong amount every time I called ) or was told that someone was looking into it for me and would get back with me. I specifically remember calling 3 times in XX/XX/XXXX and being told that someone would get back with me. Finally after being sick of it being on my report and tired of the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ), I called the original creditor on XX/XX/XXXX who was XXXX XXXX XXXX College and spoke with XXXX XXXX in the business department about what I could do to get the collection removed from my report. She then preceded to say that if I made the full payment to her office that she would email the Collection Agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, MS XXXX ) and CC me showing that she would have them remove it from my report. I also before making payment made her send me an email stating that once a payment is recovered by her she will send the email to have it removed from my report on all reporting agencies. I have her on a recorded call stating this as well as the email from her both of which will be attached as documented proof below. That very same day after verbal and written agreement was made I went to XXXX XXXX and got a cashiers check to bring to the XXXX XXXX XXXX College Campus. ( Pictures of the check are also attached as documented proof ) XXXX XXXX whom I had been emailing and on the phone with was not in the office when I dropped the check off but had someone else in the business department place the payment of {$1100.00} on my account to pay off the remaining balance in full. ( In documents below I have also attached the original transcript showing money due as well as a paid in full transcript with the receipt of payment ) I then waited approx. 3 hours and called the business department back to speak with XXXX XXXX whom stated that my payment was received and that she was sending the email to the Collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, MS XXXX ). ( That email is documented proof below ) stating that I had made a payment in full and that it needed to be marked paid and removed from my report. After calling the Collection Agency to confirm this they stated I still owed a balance of {$64.00} for a filling fee in which after that was paid there was a special note on my account to directly call the Credit Reporting Agencies and have it removed this was on XX/XX/XXXX, however as soon as I paid the remaining balance with XXXX XXXX I disputed the collection account on both my XXXX and XXXX credit report. XXXX within one week after sending in the same documents I am sending now marked it " Paid in Full '' because they could see the proof that the balance I had was paid off. However XX/XX/XXXX denied my request stating that it was verified correctly, AFTER XX/XX/XXXX had just verified it was paid which was very confusing. This dispute was on XX/XX/XXXX and was sent back to me in two days confirming that it was verified which makes no sense, because not only did XXXX just come with a different outcome they had already marked it " Paid in Full '' as you can see in the pictures below. Since XX/XX/XXXX when the first dispute happened, I then figured it may be because of the remaining {$64.00} balance at the Collection Agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, MS XXXX ) so I paid that in full as well with a money order on XX/XX/XXXX when I originally called them. ( Documented Below ) Since that date I have completed 4 disputes with XXXX that have ALL denied my request to be taken off my report or even as much as marked " Paid in Full '' and this is the collection agency and original creditor telling them to do so! All of my disputes have come back in 6 days or less denying my request saying that, the amount on my report is verified after sending in proof from both the collection agency that it is paid as well as the original creditor, and not only that BUT when I call XXXX to see what is going on they simply tell me that it is verified and I must call the collection agency which then tells me to call XXXX because they have already called them to have it removed. Now, I am stuck XXXX at least had it marked " Paid in Full '' which is not what they are supposed to do when the collection agency and emails are stating to remove it but that is better then nothing, XXXX on the other hand will not do proper due diligence and read the proof I send in nor listen to anything I am telling them in writing or over the phone. I do not know what to do at this point besides go to the correct regulatory agencies to get this matter taken care of. Below you can see documented proof to help my case as well as all paperwork and emails sent to me by the Collection Agency and Original Creditor. Thank you for your help.
04/22/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	AL 35601	Web	Servicemember
Smith Rouchon & Associates XXXX XXXX XXXX XXXX XXXX, AL XXXX Have repeatedly violated Title 16 USC 1692 ( a ) ( k ) ( d ) ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
01/30/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 356XX	Web	Servicemember
I Rented a house at XXXX XXXX XXXX XXXX in XXXX Alabama from XXXX XXXX XXXX ( XXXX from here on ) I had a 1 year lease, at about 1 year 4 months into the rental in XX/XX/XXXX I went to the XXXX office to pay the rent and it was closed, I returned the next day and the secretary told me I owed a XXXX dollar late fee, I told her I was here yesterday during business hours ( not lunch ) and the office was closed I'm not going to pay a late fee! She told me it doesn't matter I still owed the fee, I paid the rent minus the fee and told her I was moving. I had been trying to get XXXX to move me to another house as I has very bad problems at this address. An Alcoholic named XXXX burned the house right next door to mine down and he was still around the neighborhood and would flip over my garbage can looking for food and booze and the man was clearly psychotic, my lawnmower was stolen off the porch where it was chained, I had homeless people who would sleep on the porch, I had an incident where 2 people walked in the front door and I had to fight them out. A XXXX delivery with a value of several hundred dollars disappeared off of my porch post delivery, these are just a few examples so I wanted to move anyhow, XXXX has 100 's of rentals and couldn't or wouldn't give me another one to move to, so I moved! In XX/XX/XXXX, about 3 years later a hit shows up on my credit report from Smith Rouchon collection agency claiming I owed XXXX dollars they were to collect for XXXX, I told them I don't owe XXXX anything and in fact they owe me deposits and fees.. Here is why I have filed this complaint with consumer finance, I was at XXXX XXXX starting new service several months ago, about 5 years prior XXXX XXXX had placed an account in collections without ever notifying me and I paid Smith Rouchon the bill in full but they never forwarded the info to XXXX XXXX that I had paid it and XXXX called them on the phone to inquire as to if I had indeed paid the bill and they told them that I had paid it in full, THEN the person at Smith Rouchon voluntarily told the utility dept. that I had an outstanding collections account from XXXX that I explained above in an attempt to cause me denial of services! My research has indicated that this is against the law! I intend to persue this matter to it's completion. I'm not going to allow these people XXXX and SRC to coerce a nickel out of me and we may all be going to court as I am consulting attorneys about all this! I have a witness that overheard the conversation that SRC had with the utility dept. so for them to deny this is a waste of time! I owe XXXX nothing and will not pay! They owe me!
07/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 389XX	Web
On XX/XX/XXXX this company received certified mail asking for validation of debt. On XX/XX/XXXX the company still did not validate debt owed and they did not mark the debt disputed by XX/XX/XXXX through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on XX/XX/XXXX . A lady from the company called and talked to me about the debt on XX/XX/XXXX but again did not have the credit bureaus mark the item as disputed. The company still violated the laws. Section [ 15 U.S.C. 1681s-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. ( B ) ti me of notice! The notice required under sub paragraph ( 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 ). This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed. XXXX is marked disputed because on XX/XX/XXXX I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until XX/XX/XXXX . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on XX/XX/XXXX and XX/XX/XXXX . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38863	Web
This is in regard to a previous complaint I submitted on XX/XX/2023. The company responded with an itemized statement of charges. However, the account numbers provided on the statement, do NOT match the account numbers provided on my credit reports. As I mentioned in my previous complaint, I have disputed these 2 collections numerous times, due to the inaccurate information being provided/reported. These collections are also medical bills, below {$500.00}, and from what I understand, they will no longer be reporting under {$500.00}. The itemized statement also states that the accounts were Write Offs, for this company. And I also never had a contractual agreement with this company, nor have I ever given them my permission to share anything whatsoever on my credit report. How many laws are being broken/violated by this company? One too many for me! I am requesting the collection accounts be removed, ASAP, as well as monetary relief for the following violations, for the last 4 years that they have negatively impacted my consumer report. 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of { {$1000.00} } per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681
09/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39532	Web
on XX/XX/2021, i sent Smith , Rouchon & Associates, Inc a letter about a alleged debt of XXXX that i do not owe. i sent the letter usps certified w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$460.00}. and i haven't heard anything from them thus far. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, Smith , Rouchon & Associates , Inc has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
03/30/2017	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	MS 39042	Web
I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi. Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me. In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court. I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment. Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus. I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years. This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.
01/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75087	Web
I am writing a complaint in regard to Smith, Rouchon & Associates ( SRA ) in regard to three accounts that are reporting to XXXX and XXXX. I sent a certified letter to SRA in XXXX 2017 requesting debt validation as I am afforded the opportunity to validate any debt that is reported on my credit bureau reports. I also requested at this time HIPPA authorization signed by me allowing SRA to access my medical records. In response to my letter I was not sent any of the requested items afforded to me under the FCRA. I was however sent a letter demanding payment from XXXX XXXX specifically stating " You must pay the debt in full now ''. I have given ample time for the requested validation of debt and HIPPA authorization to be provided as requested to no avail. I will be including a copy of the original letter sent requesting said items and the response letter from SRA. I have not received any further correspondence in regard to these debts from SRA. IN addition I believe one of the debts in the amount of XXXX to be related to a worker 's compesation incident which was already paid by XXXX XXXX. In the state of Mississippi it is illegat to attempt and collect additional monies from a workplace injury victim. If needed I will provide proof of where this debt was paid by XXXX XXXX. I also have the worker 's compensation case number as well.
07/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 391XX	Web
My name is XXXX XXXX XXXX, im a federally protected consumer, and I am making this complaint against SMITH, ROUCHON & ASSOCIATES, INC for committing identity theft. I have never given SMITH, ROUCHON & ASSOCIATES, INC any permission to use any of my identifying information to commit fraud by communicating to me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SMITH, ROUCHON & ASSOCIATES, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SMITH, ROUCHON & ASSOCIATES , INC continues its collection efforts, I will file for litigation for actual damages caused and SMITH, ROUCHON & ASSOCIATES, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, & securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202 ( f ). Your prompt attention and response are both requested and required.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39206	Web
SMITH ROUCHON has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
02/04/2022	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	MS 390XX	Web
XXXX is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. XXXX is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. I would like for smith and rouchin to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. I have no Written agreement with smith and Rouchin nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA
01/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38863	Web
I never received a VALIDATION notification via mail or electronically, from this company, if they did send one, I'm requesting Proof of Delivery. I have also disputed this on all 3 of my credit reports, which I did have success with XXXX and XXXX, however it keeps coming back VERIFIED each time I have disputed with XXXX even though I provided documentation of the collection being removed from my other credit reports. I also don't understand how they are reporting TWICE on my credit report, with the same " Opened Dates '' and " Original Creditor '', just different balances, and the account numbers are the same except for the last two. This company 's violations have affected my credit negatively for the the last 3 years. I am demanding the two accounts be removed from my credit report. I am also demanding remedy for the following : Fair Debt Collections Practices Act 15 USC 1692g, 1692e, 1692f, 1692k FCRA 623 ( a ) ( 3 ) 623 ( a ) ( 1 ) ( a ) ( b ) Ignorance of the law is NO EXCUSE and being willfully non-compliant comes with a price.
05/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35226	Web
XXXX XXXX XXXX Original creditor SMITH ROUCHON & ASSOC Last reported XX/XX/2020 I did not receive any communications from creditor or collection agency about this debt. Recently I was denied credit increase due to derogatory information reported as HIGH IMPACT collections. Dispute was filed and debt was paid electronically but information is still being reported incorrectly. I notified SMR & Association via phone for letter of satisfaction and they agreed to remove all debts from each credit bureau. However, XXXX XXXX is still indicating collections information as HIGH IMPACT collections and incorrectly. XX/XX/XXXX Reported balance {$830.00} XX/XX/XXXXReported balance {$510.00} The payment has drained my emergency fund ; created a financial hardship and now place me in credit limbo despite consumer protection against surprise billing under the COVID-19 Cares Act. These medical bills were paid in XX/XX/XXXX according to XXXX Insurance and surprise the debt is back again and being reported inaccurate with HIGH IMPACT.
03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 356XX	Web
I had a bill from XXXX XXXX XXXX Hospital ( XXXX ) in XXXX AL after an accident that was deemed no fault of mine ; but, I paid the bill which was {$150.00} for ER care. I have the cashed check from XXXX, and I even sent them a copy, to no avail. I contacted the credit bureaus, and sent them a copy of the cashed check. The date of the bill was XX/XX/XXXX and the hospital cashed my check in XX/XX/XXXX. My bills were subrogated and this bill was paid again. When the credit bureaus investigated, they found the bill had been paid and the bill collector company wrote a letter to the credit bureau stating the bill had been paid by insurance and would be removed from my credit report. To this day, the bill is still on my credit report, and it has been months. The hospital was XXXX, but it is now XXXX XXXX Hospital and the collection company is Smith and Rouchon. I have a copy of my canceled check and the letter from the collection company about the bill being paid, but nothing has changed ; the bill is still hurting my credit.
09/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 396XX	Web
This account was to be paid by worker 's compensation. The company didn't process the correct papers.They send a bill amount without the medical diagnosis and process that took place. I called XXXX XXXX and explained that I got hurt on the job and XXXX XXXX XXXX XXXX of Louisiana was responsible for paying this account. Than I called XXXX XXXX my case manager and explained. SHE explained that they never should have reported it on your credit report, because it's a government issues and they're waiting on the correct papers to be processed. Than I called XXXX XXXX again to check the status if the correct papers were send. The person said no, I asked why, I was put on hold. He stated I don't know. I asked for a supervisor. I explained to her and she was rude and stated it's my responsible to get the correct papers to work 's compensation office and not there office. I said this is the frist of my hearing. And I haven't heard anything until now its back on my credit report.
12/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS XXXXX	Web
I recently submitted a dispute with XXXX about some negative accounts that Smith/Rouchon had applied to my credit reports. XXXX submitted the dispute and the company did n't verify the debt.. The items were deleted and an updated copy of my report was submitted to me via mail I 'm XXXX 2016.. Smith/Rouchon re inserted the negatives which cause a tremendous drop in my credit score. They never sent notification that they were adding the negative items back to my account and by. State law they have to submit notice to the consumer.. I am asking that the inaccuracies be deleted and not be put back on my reports from all XXXX bureaus..This company buys accounts for XXXX and add unnecessary fees and court costs.. they never provide me any services nor should I have to pay for services that were n't rendered from this company.. I am going to file a suit against this company for violating all laws..
07/09/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 392XX	Web	Servicemember
Smith, Rouchon and Associates, located in XXXX, MS is constantly harassing me at work. They call my job at least three times weekly. I have sent a cease and desist letter but yet, they continue to call my job. The alleged medical debts that they say I owe is only being reported to XXXX and XXXX. XXXX only has one of these alleged medical debt and Smith, Rouchon and Asso. continues to " verify '' the debt collection, every time a dispute the item. XXXX has verified all five of the alleged medical bills and will not remove them nor provide me with proof of how they allegedly verified these medical bills. I have also told Smith, Rouchon and Associates that they are in violation of FCRA, FDCPA and HIPPA but the last CSR stated that she do not care and that I better pay or else. I am about to lose my job because they will not stop calling my job!!!
01/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ID 83404	Web
We moved. I notified all companies that I owed balances to that we were moving. A bill for {$57.00} was sent to collections and sent to all credit bureaus without my knowledge. As soon as I became aware that I had a balance ( which I was not made aware of before I moved ) I paid the balance in full. The payment was made XX/XX/XXXX. I have requested in excess of 25 times that the collection agency report to all credit bureaus that the account was paid in full. They have yet to do so. I have submitted documentation, including a copy from my bank of the check that cleared paying the balance in full, to all credit bureaus. I spoke to the collection agency again on XX/XX/XXXX asking for them to please report this account has been paid in full. For some reason they will not report this account having a XXXX balance. I need this handled asap.
12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39212	Web
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction 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.
04/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39157	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX ) any right to collect on this alleged debt.
05/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78728	Web
On XXXX XXXX , XXXX , I wrote a letter to Smith Rouchon requesting " verification of proof '' that I owed this debt. This medical bill occurred with an accident at my employer site and workers compensation was authorized to pay all my hospital debt. I called this company in XXXX and advised them to call my employer Human Resources department so they may re solve this matter. The debt collector indicated they called but never received the payment. When I contac t Smith Rouchon and ask for documentation the agency contact there refuse to provide me any information in writing. Per the Fair Debt Collection Practices Ac t, 15 USC 1692g Sec. 809 ( b ), this is a violation of my rights. I can provide the certified letter with signature of receipt as proof that I attempted to request this.
02/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VT XXXXX	Web
I recently sent a letter to the collection agency after receiving bills from them through the CFPB. The bills were never sent from the original creditor. I was not aware of the debt until I looked over my credit report. I'm not saying the debts are not mine but before I pay anything I would need the proof from the collection agency verifying the debt. I asked for this information one month ago through the CFPB and received a few bills and one of them was a medical bill showing procedures which I think is a violation of HIPAA. The most recent letter I sent certified shows that it's still sitting at the USPS waiting to be picked up. It shows is was delivery attempts and has been sitting there since XX/XX/23. Send me the contract I have with this company to collect a debt.
12/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39209	Web
This kind of account is placed as a charged off 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.
02/27/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	AL 35630	Web
This company called and without taking any security measures regarding my private information, spoke with someone other than myself about very detailed medical information from several hospital visits. It is also my understanding that this collection agency has full access to the local hospital 's database for purposes other than collecting past due medical bills. When asked to verify debt, the company mailed screenshots of my medical charts from the hospital 's database which was obtained by the debt collector having log in access to patient records. This information was also disclosed to me during a meeting with one of the customer service representatives at the hospital being referred to.
06/12/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39402	Web	Servicemember
I do not have any knowledge of the debt and I am experiencing difficulties with fraudulent charges and accounts with several companies and I have attempted to work with most of the companies but the representatives that I have been in contact with by voice calls and customer service chats are not being honest and they give me the runaround. Due to this fact and the fact that I have absolutely no idea of why this is being charged to me, I have just decided to report it instead of going through another time consuming, futile attempt to correct the information. This has been consistently happening throughout the past and even more so during epidemic and after the ransomware attacks.
07/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 389XX	Web
On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.
02/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ID XXXXX	Web
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
02/19/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS XXXXX	Web
In XX/XX/XXXX, I pulled my credit and saw Smith Rouchon & Associates ( XXXX, MS ) had placed a medical collection on my credit, as of XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX I was never contacted to collect this debt or aware it was bought by them, as I'd JUST made a payment to the OC the day before. I've disputed the collection due to the incorrect amount they are trying to collect more than 6 times to no avail of having it removed from my XXXX credit file. It has been removed from XXXX and XXXX. As of today, I still have yet to hear from the CA regarding collection and I won't contact them directly as that would reset the collection date for said debt.
10/05/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38655	Web
This has been an ongoing situation. I spoke with Ms. XXXX who informed me the column on the document she mail back to me DID NOT say PROCEDURES, instead it list codes. Ive attached said document. It indeed list XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are procedures. This violates HIPAA. I filed a complaint with HIPAA on last week via this address XXXX XXXX XXXX I had the right to validate my debts with Smith, Rouchon , & Associates. Instead, they violated my privacy laws. Ms. XXXX told me to contact her with my lawyer and this would continue to damage my credit. I did not sign a HIPAA form allowing this company to remove this debt. THEY VIOLATED HIPAA!
04/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35613	Web
The company sent me a letter via mail stating that they have attempted to contact me numerous times regarding an alleged debt and I am not responding and they are confused as to why. I do NOT have a written signed contract with them whatsoever. If there is a debt by me I was not notified as required by law that they purchased a debt and the details of the transfer of the debt example I REQUEST A CONTRACT WITH MY SIGNATURE STATING THAT I OWE THIS AGENCY THIS DEBT NOT A COPY OF OLD STATEMENTS AND PAYMENTS. 15 USC 1692c. ( b ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692e 15 USC 1692f And most importantly 15 USC 1692g ( a ) ( 1-5 )
08/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MS 39056	Web
I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
08/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39212	Web
I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.
03/11/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 356XX	Web
I had XXXX XXXX XX/XX/XXXX and went to XXXX XXXX XXXX XXXX I did not have insurance at the time but when i received the bill the hospital closed down so I did not know who to contact to set up arrangements to pay and I have not gotten any letters. My bill was {$5200.00} and now it is on my credit report. I had XXXX on my XXXX on XX/XX/XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did have insurance at the time and paid all my fees and I moved to XXXX the same year and out of nowhere I saw this bill for {$98.00} on my credit report which is not fair there was no contact from them or anything.
02/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 356XX	Web
XX/XX/2017 {$450.00} medical debt for medical procedure performed in office by XXXX XXXX XXXX. This was paid by XXXX. I was never offered a payment plan for this debt, before it was sent to a collection agency. But, I am covered under the XXXX ( XXXX XXXX XXXX program ) This benefit protects me, by law from any medical cost such as : deductibles, co-payments, or any unpaid medical services not covered by insurance because of my low income. This debt is past statute of limitation and yet a debt collector is harassing me for an unpaid bill.
01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VT XXXXX	Web
I sent a letter to Smith Rouchon & Associates on XX/XX/22 to verify debt on my credit report. They have not responded but they did respond to the bureaus verifying a debt. I would like to know what debt they are verifying but they will not respond to me. I never received anything that I had a debt with this company. I was told by my lender when disputing that this process will take some time, so I'm prepared to keep fighting for corrections on my report and keeping a XXXX XXXX of all letters that have been sent to the company.
05/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39503	Web
i notice some collections on my credit report that i dont recall having, so on XXXX XXXX, I sent a dispute letters to the company that is damaging my credit with items that i dont recall having and also has violated the Hippa Act by sharing my medical information with others that i didn't consent in doing. I'm requesting for them to validate the alleged debt within 30 days and verification from the original creditor with a signed contract with the creditor.i have letters attached that i sent to SMITH ROUCHON & ASSOC
07/03/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 35235	Web
I have an old medical bill that was sent to collection that I normally pay on my next Doctor visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.
07/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 707XX	Web
According to my credit report, It is stating that I have a {$28.00} collection from Smith Rouchon and Associates. It has been documented that this account has been opened since XX/XX/XXXX. I just recently seen this remark on my account when I tried to purchase a home. I sent a letter to their office on XX/XX/XXXX. It has been longer than 30 days and they have not responded to my letter. What are my next steps? By law it has to been removed from my credit report Correct?
09/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39211	Web	Servicemember
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.
05/31/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MS 39046	Web
Smith and Rouchon Associates very rude company I receive harassing calls from XXXX till XXXX daily the company has been leaving 2 to 3 voicemails daily demanding they hear from me before the day is over I even agreed to set up payments monthly what i could afford they wouldn't accept the payments I wanted to make they demanded I pay what they wanted me to pay XXXX XXXX or XXXX has a very nasty attitude just sick of the harrassment and calls all day.
10/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39401	Web
I checked my credit report moments ago and noticed for the first time that I had an unpaid collection listed. I never received any notices about this balance. The collection does not list an original creditor. It simply lists the name XXXX XXXX. The amount is {$720.00}. This is fishy and I do not know what to do. Has someone stolen my identity? Is there a way I can get more information about this collection without paying money? Thanks
06/13/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
i notice a inaccurate item on my report from SMITH & ASSOCIATES on XX/XX/2021, about a alleged debt of {$140.00} that i dont owe nor have i had any dealing with SMITH & ASSOCIATES.I requested documentation for the alleged debt on XX/XX/2021 and has not heard from them thus far.attach is a copy of the information that i sent them, also they are sharing my personal information without my permission, which is a violation of the HIPPA law.
08/09/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 391XX	Web
Received an email from a debt collector on XXXX despite my letter listing the due date as XXXX and payments have been paid to Account, hospital billed payments to two seperate providers as if I had two different XXXX XXXX XXXX XXXX XXXX XXXX on the same day, XXXX. Turned it over to collections after I questioned the possible fradualent charges in XXXX of XXXX. Now I am completely locked out of my billing on my chart.
08/20/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS XXXXX	Web	Servicemember
Since XX/XX/2017 the company the company SMITH Roucon & Associates have been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company n several occasions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documetns. Also the creditor has billed MEDICARE and have been paid.
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30019	Web
In accordance with the Fair Credit Report Act XXXX XXXX Creditor : Smith Rouchn XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is fraudulent account, I do not open any account with this company.
09/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 387XX	Web
I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.
03/15/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 392XX	Web
Have called place of employment in spite of being told in past no calls to place of employment. Called CELL phone, in spite of being informed cell phone is company cell phone. Multiple calls to home phone, and with call blocked, will turn around and call multiple back yo back times. Have NEVER first received and kind of notification of debt that are trying to collect via mail.
12/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web
This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30019	Web
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Smith Rouchn, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account a fraudulent account, I don't owe this company.
08/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 390XX	Web
on XX/XX/2021, i sent letters out to Smith , Rouchon & Associates, Inc about some alleged balances of {$310.00} and {$45.00} that i don't owe. first its a violation of my rights by sharing my medical information with 3rd parties,2nd, its some inaccurate items reporting on my report. i requested information concerning the validity of the debts as well that i have not gotten.
03/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.
07/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39042	Web
I have notified this company via certified letter twice to verify the debt they are attempting to collect, with no response. I have never received any correspondence from this company. I also believe the date in which this company acquired the debt is incorrect. According to my records there is nothing in my finances that reflect such debt.
06/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
Hi, I mailed several letters to Smith and Rouchon & Asso and no response form them and yet this is still being reported on my credit which is causing a huge impact. Shown below are the dates of the letters that I mailed out. Please help with getting this resolved, I really need this to be removed. XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
07/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77084	Web	Servicemember
After checking my credit score, I discovered my credit score had decreased significantly. I then checked my credit report and XXXX and XXXX placed a collections for XXXX XXXX. I have not received any notifications of a debt owe by XXXX XXXX or Smith and Rouchon. I want this removed from my credit report immediately.
05/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	HI 96792	Web
Smith roush and associates. Acct #? Date opened XX/XX/20 Dont know what doctor this was, or what i was seen for? If you can tell me what i was seen for, to verify this bill. That would be great. Otherwise it needs to be deleted. I didnt sign no paperwork with this Smith Roush company. Verify and validate
01/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 391XX	Web
I checked my credit score and found a derogatory remark from a company called Smith Rouchn, claiming I owed them {$55.00}. I have never heard of or from this company before, but after XXXX them, I found nothing but 1 star reviews from people with the exact same problem. It looks like a scam company to me.
11/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web
I recently obtained a copy my credit report SR & Association continues to violate my rights according to Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. I have accounts that I did not authorize. I have attached a copy of mhy FTC and ID.
07/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS XXXXX	Web
I have never dealt with this company claiming I owe a debt to them of {$390.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55443	Web
I had 2 accounts with this agency. One of which has been paid in full in 2020. That left 1 account that is listed duplicated on my credit report. Further more this is a medical collection under XXXX and should be removed immediately
03/17/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39157	Web	Servicemember
I sent a debt validation letter to Smith Rouchon & Assoc. Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/2022 and they failed to verify the documents Ive ask to be sent over to me. Instead they sent only a bill with procedures on it.
01/28/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MS 386XX	Web
Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling.
07/10/2021	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	MS 395XX	Web
I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.
09/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 392XX	Web
Smith Rouchn-XXXX {$550.00} I write this company directly an inform them this payment was n't mines. Did n't received an reply so I am trying another step.
04/22/2023	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 762XX	Web
On XX/XX/2023 Smith Rouchon & assoc contacted multiple family members about my debt multiple times harrassing them.
08/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 392XX	Web
SMITH ROUCHN Has reported that I have an outstanding account with them, but this information is not accurate!
11/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	MS 386XX	Web
I have XXXX and it covers any xrays. This is a bill is for an X-ray that I know my insurance covered
04/15/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	MS 386XX	Web
I 've asked Smith touch assoicted to verify the inaccurate things on my credit they get mad
04/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 386XX	Web
I had medicaid during this time, but the company billed me instead of my insurance..
06/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 389XX	Web
I dont owe this place take it off its messing up my credit score its was not me
04/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	AR 72315	Web
I never recieved a bill from this this collection agency or notice
09/15/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 386XX	Web
My debt was paid in full
01/24/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 39047	Web

01/10/2024	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39157	Web

12/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38732	Web

11/21/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39202	Web

11/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32224	Web	Servicemember

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30577	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77433	Web

06/26/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39773	Web

06/01/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MS 39046	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35661	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39648	Web

03/28/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MS 39759	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39648	Web

12/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39211	Web	Servicemember

12/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 39158	Web

10/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web

07/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39212	Web

07/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39170	Web

06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39157	Web

06/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38941	Web

06/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39750	Web

05/20/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39206	Web

05/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 39206	Phone	Older American

04/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38751	Web

04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35040	Web

04/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75203	Web

02/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75071	Web

02/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web

02/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 38633	Web

02/03/2022	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	TX 75006	Web

01/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Web

01/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Web

01/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75006	Web

01/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30157	Web

01/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30157	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39073	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web

12/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39047	Web	Older American

10/30/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AL 35570	Web

10/28/2021	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	MS 38930	Web

10/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71282	Web

09/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38655	Web

08/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39095	Web	Servicemember

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

01/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39206	Phone

11/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

09/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 38655	Web

09/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 38655	Web

05/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Fax

04/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39154	Fax

01/14/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 39648	Web

07/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35646	Web

05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38751	Web

04/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Web

02/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35405	Web

02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35242	Web

12/18/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	MS 39401	Web

12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39056	Web

10/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39455	Web

10/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39455	Web

07/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39213	Web

07/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76015	Web

07/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39042	Web

06/05/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27560	Web

05/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38668	Web

05/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38655	Web

04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Referral

03/27/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	MS 39426	Web

02/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38655	Web

01/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 39209	Web

01/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38655	Web

11/29/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 39204	Web

09/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

09/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39648	Web

08/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23666	Web

07/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38965	Web

06/01/2017	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 Their investigation did not fix an error on your report	CA 95819	Web

05/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39666	Web

04/09/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MS 39648	Web

01/01/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 39204	Web

12/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MS 38703	Web

03/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 39212	Phone

03/24/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 38016	Web

01/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MS 38655	Web

01/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MS 38655	Web

01/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MS 38655	Web

01/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 39654	Web	Older American, Servicemember

11/28/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 95821	Web

08/06/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MS 39203	Web	Servicemember

07/24/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MS 39501	Phone

04/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid		Postal mail

04/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 35630	Phone

08/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39212	Web	Servicemember

08/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 39212	Web	Servicemember

07/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 39180	Web	Older American, Servicemember

02/04/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AR 72204	Web

12/19/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37663	Web	Older American, Servicemember

11/03/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39157	Web

09/26/2013	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	MI 39272	Phone