Southern Credit Recovery, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/18/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70506	Web
XX/XX/XXXX after obtaining a copy of my credit report I noticed several entries that needed to be verified/validated and removed from my credit report. On XX/XX/XXXX I mailed out a letter to XXXX explaining my concerns and since then I still have not received any documents verifying that the accounts are indeed mine and the negative entries are still listed on my credit report. Letters were also sent to the Collection agencies and i still have have not received anything except a letter stating that the accounts are mine and they were proceeding with collections, no supporting documents were included in letter XX/XX/XXXX I mailed XXXX a second letter voicing my same concerns and since then the same accounts in question are still being reported on my report This is my letter that i have submitted to XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested DELETIONS or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Name of Account : Account Number : Provide Physical Proof of Verification Transfinancial {$810.00} XXXX UNVERIFIED XXXX {$190.00} XXXX UNVERIFIED XXXX {$100.00} XXXX UNVERIFIED Southern Credit Recovery {$180.00} XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED
07/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70360	Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
01/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 704XX	Web
On XX/XX/XXXX, Southern Credit Recovery reported a medical collection on my credit report. This collection was placed on my credit report without any prior communication ( written or verbal ) and without validation of the debt. In addition, I had no prior knowledge that this account was being handled by Southern Credit Recovery as I was never properly informed by them. Because I have never received any information about this account, I was not given the opportunity to acknowledge or dispute the account before they placed it into collection status, which violated my rights per the Fair Debt Collection Practices Act. On XX/XX/XXXX, I discovered a medical collection account in the amount of {$4400.00} had been placed on my credit report, at which time I contacted SCR via the phone number on my credit report to get the following details : Details : XX/XX/XXXX I moved and had a change of address. All my other mail and bills have been forwarded to my new address with no problem. XX/XX/XXXX Per an employee, they have a record of 2 letters being returned to them for a bad address. They also claimed to have attempted 7 phone calls but did not leave messages. XX/XX/XXXX The second ( and last ) letter was mailed to me and returned again for a bad address. Its important to note that the collection agency had been informed of my correct/current address because they tried to update it in their system. However, a SCR employee inputted the house number wrong in their system by one digit. Because of the error of the SCR employee, I never received any further written correspondence from them. Summary : SCR had been made aware of my current address because they tried to update it in their system. An error on their part prevented the second letter to be mailed to my correct address. Had they inputted and updated my correct address, I would have received proper written correspondence per the Fair Debt Collections Practices Act and I would have begun repaying the debt. Instead, no further communication was received from them and they then proceeded to place a medical collection on my credit report without validating my debt.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 703XX	Web
I had a medical debt in collections from Southern Credit Recovery ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from XXXX. As of XX/XX/XXXX all paid medical debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not XXXX. I submitted a dispute with XXXX which was resolved without removing the collection from my account. I then called XXXX and was told that they can not remove this despite guidelines from all three CEOs of XXXX and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from XXXX months to XXXX year, giving consumers more time to address their debt before it is reported on their credit file. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. This is adversely affecting me due to having a significantly lower credit score of XXXX on my XXXX account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.
06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by Southern Credit Recovery . I am in receipt of Southern Credit Recovery 's letter informing me that they are handling the " collection '' of the account # XXXX for {$1500.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southern Credit Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Southern Credit Recovery 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southern Credit Recovery continues to report this fraudulent ( on Southern Credit Recovery 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in XXXX XXXX XXXX 's letter, this is a " medical account ''. Therefore, this is a violation of my XXXX.
07/03/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 708XX	Web	Older American
I am disputing the debt as reported by SOUTHERN CREDIT RECOVERY for {$290.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. Documents of proof have never been provided to me and the reason is, they do not exist. In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state and jurisdiction? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state and or jurisdiction, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
08/08/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	LA 70737	Web
There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.
03/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 220XX	Web	Servicemember
I was receiving phone calls regarding medical indebtedness as a result of an emergency room visit to XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, after checking my credit report which is an action that I perform regularly. I noticed a collection account from XXXX XXXX XXXX. My credit file indicated that the account was opened on XX/XX/XXXX, however, the collection account was newly added as of XX/XX/XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the collection agency. On XX/XX/XXXX, I received correspondence from the debt collection agency. However, they failed to validate the debt and instead provided me with a detailed account of the services, treatment, medication, personal information, and, a photo of my identification card. I know that the collection agency sending me my medical record information is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
04/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70123	Web	Servicemember
This debt ensued because of the following : Good morning, The balance in collections are from dates of service XX/XX/XXXX and XX/XX/XXXX. Date of service XX/XX/XXXX was originally paid by XXXX in XXXX of XXXX then recouped in XXXX of XXXX. They are stating that you had other insurance and they did not receive information regarding the other insurance from you. Date of service XX/XX/XXXX was originally paid in XXXX of XXXX then recouped in XXXX of XXXX for the same reason. Please let me know if you have any other questions. Thank you, XXXX I contacted the original hospital XXXX XXXX and told them what had happened and asked them to resubmit the claim to XXXX. They failed to do so and instead turned it over to a collection agency. I have tried for the past four months to get the collection agency as well as the hospital to respond to my requests to validate and nothing. It wasn't until I emailed everyday for 3 weeks did they finally respond with the above information.
10/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70065	Web
On XXXX/XXXX/XXXX Southern Credit Recovery Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$100.00} dollars, I have no knowledge of said account and I do not owe Southern Credit Recovery Inc anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Southern Credit Recovery Inc or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Southern Credit Recovery Inc are a clear violation of the Fair Debt Collections Act. I am requesting that Southern Credit Recovery Inc remove this collection account from each of my credit reports.
04/20/2023	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70460	Web
Southern Credit Recovery who represents XXXX XXXX XXXX XXXX and related entities has placed on my credit report medical debt ( bills which I have never received ) for services I had no clear knowledge of ever receiving or who the providers were. When I disputed for verification and information I received a copy of my entire medical file from XXXX XXXX XXXX XXXX. Not only was it not from that SPECIFIC creditor listed on the medical debt. It was 1. one of many " potential '' providers who may have so much as looked at my chart during a hospital stay " whether I saw them directly or not '' and XXXX. XXXX all of my test results, diagnosis, medications, etc. with a legal creditor that has absolutely no barring on charges. That is a violation of my privacy and I would NEVER knowingly allow medical information outside of BILLING to be with some stranger for the collection purposes of a debt. I filed a HIPPA complaint ( attached ) with the DHH.
08/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70458	Web
The issue starts with XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, failing to honor the contractual agreed upon max fees allowed on services rendered for XXXX & XXXX services. XXXX XXXXXXXX XXXX is a preferred provider with my primary insurance carrier, XXXX XXXX ( XXXX XXXX ). XXXX XXXXXXXX XXXX has since sent their improper accounting information to Southern Credit Recovery XXXX XXXX XXXX LA XXXX. Southern Credit Recovery is now dening my consumer rights to dispute. I have provided a detailed explantion of dates, charges, maximum allowed charges, amounts paid by each insurance company and my personal payments which reflects an over paid amount due payable to myself. I have attached a copy of what I sent to Southern Credit Recovery along with their response to my appeal. I have copies of all explanation of benefits which shows maximum allowed charges, insurance paid amounts to XXXX XXXXXXXX XXXX and my personal payments.
08/25/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70460	Web
Keep receiving calls from this number XXXX. They do not identify themselves but ask for me by name and then ask for my date of birth and home address. Every time I refuse and they ask why, I say the same thing. I dont know who you are and what you are calling in reference to. They always say the same thing its in regards to a debt you owe and we need to identify you before proceeding. I still refuse to give them any information and today the lady said, you can verify me by doing a XXXX reverse phone lookup. So I did and now I have the name of the company that do not owe anything to as Southern Credit Recovery , INC . I have been receiving this same call continuously with no one ever giving any further information unless I am willing to give them my personal information. I refuse to especially because they do NOT even identify themselves or the name of company they are calling for.
04/08/2015	No	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	LA 70816	Web
I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.
05/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web
entered a consumer credit transaction with SOUTHERN CREDIT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SOUTHERN CREDIT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SOUTHERN CREDIT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me
02/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70360	Web
On XX/XX/XXXX Southern Credit Recovery received and SIGNED the return receipt mail ( dispute ) that I sent to them. On XX/XX/XXXX I obtained a copy of my credit profile and noticed they did NOT COMPLY with Fair Debt Reporting Act Section 623 ( a ) ( 3 ) and Section 807 ( 8 ) by not placing a dispute remark on the credit profile to the 3 credit bureaus. A well as they did NOT VALIDATE or VERIFY this debt. They did NOT send me a signed contract or anything that shows I am obligated to pay for this alleged debt, which is NOT mine. Enclosed : front and back of certified mail with their signiture showing receipt and a print out of my credit profile showing it was not placed for dispute in the amount of time given.
11/27/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70448	Web
My wife had a medical procedure denied by my health insurance company XXXX. I filed all of the appeals, but the denial was upheld as experimental. The procedure in total was over {$26000.00} and now Southern Credit Recovery ( SCR ) has failed to operate in good faith. I have contacted the company on numerous occasions since receiving the first collection letter and as of this date they continue to do nothing. I faxed them an offer of settlement on XX/XX/XXXX and again on XX/XX/XXXX with no response other than notifying the credit bureau of the collection account. Today I spoke with " XXXX '' who was unprofessional and could not answer any questions on the file. A complete waste of my time.
11/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 701XX	Web
I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.
10/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70816	Web
I have attempted to make contact with the Collection Company by sending a Letter of Validation for which I sent via USPS with a Return Receipt : XXXX XXXX XXXX-Original Creditor Southern Credit Recovery-Collection Agency I never received prior notification regarding this debt. I do not owe this debt as my medical services were completely paid in full. I have sent a letter to them and they have not responded. I XXXX the address of the creditor and they are not verifiable. I should have this debt cleared from my credit report, this is an error and fraudulent. The address that is listed on my credit report is the following : XXXX XXXX XXXX XXXX, LA XXXX ( XXXX )
03/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 700XX	Web
I was admitted the emergency room at XXXX XXXX XXXX in XXXX, LA in XXXX of 2020. I was told by the hospital and my health insurance company ( XXXX ) that my benefits covered the costs. Never did I receive a bill from the hospital, yet I recently received a bill from Southern Credit Recovery , INC. XXXX XXXX XXXX XXXX, LA XXXX for the amount of {$750.00}. The bill states that if I do not pay this amount to them that legal action will be taken upon me. The bill also says their client is XXXX XXXX XXXX XXXX, XXXX Why would I be told by the hospital and my insurance company that I owe nothing yet this Credit Recovery Company claims I owe {$750.00}
08/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA XXXXX	Web
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
02/23/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 701XX	Web
Southern Credit Recovery stated that collections were be pursued against me for XXXX medical bills that were done by someone who committed identity theft. These XXXX collections started being pursued on XX/XX/2016 and XX/XX/2016. Southern Credit recovery were notified that I have never been hospitalized for 30 years of my life and was a victim of id theft with numerous accounts being opened in my name, They refused to help me resolve this matter and has been ignoring me for XXXX years, That has been more than enough time for them investigate this matter
03/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 700XX	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
04/12/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 70126	Web
15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	LA 70126	Web
i have several collections for services i never received or authorized. from the southern credit recovery for {$830.00}, XXXX XXXX for {$6600.00}, {$1400.00}. also, XXXX XXXX for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
03/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70094	Web
I've received a letter requesting payment of a debt from a 3rd party collection agency. I've responded with a letter dated XXXX, requestinq debt validation for the account, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. No other communication was received from the collection agency, as well as any type of verification, validation or answers. A negative remark was made to the Major credit bureaus and to my credit reports.
02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	LA 70056	Web
I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.
07/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 707XX	Web
I do not owe this debt. Account Name SOUTHERN CREDIT RECOVERY Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$260.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$260.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX
10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33067	Web
I have a company calling/ texting from XXXX and XXXX ref # XXXX daily regarding a person by the name of XXXX XXXX XXXX . They contact me daily and when I express I am not they intended person, I'm met with threats and hostility. Also they stated the name of the company is Southern Credit Recovery however that is not the case, and is confirmed this may be a scam, company impersonating another company.
10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39503	Web
southern credit recovery {$200.00} account # XXXX i have no knowledge of this balance, and this collection was done without my knowledge or consent i called i called them directly about this account but they refused to cooperate with me i also called XXXX, XXXX, XXXX they were willing ti cooperate with me of this fraudulent error by the collections department
08/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 701XX	Web
In accordance with the credit report XXXX, XXXX XXXX XXXX Account number XXXX has violated my right. 15. U.S.C 1681 section 602 A. states I have the right to privacy. 15. U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish my account without my written instructions
10/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 705XX	Web
On XX/XX/XXXX Southern Credit Recovery sent a latter responding to my dispute letter saying I need to provide more information about the false debt I owe and the only information I have is their name and address. How can they report false information on my credit and they can not even provide me the account number.
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 70126	Web
i send southern credit recovery a money order on XX/XX/2020 as long with a letter to notify when they recieve the letter and money order to remove this item from my credit report.i have the copy of the money order in full for the item and would like for it to be remove quickly because it is hurting my credit.
03/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA 70126	Web
i talk to XXXX from Southern Credit Recovery , INC on XX/XX/2020 about the settling the debt and i paid it with a money order and she never reach out to all the bureaus to delete it from my records, it has been delete it from XXXX but not the rest of them and i have a letter showing i made contact with her
08/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70119	Web
I notice 3 collection accounts on my credit report from SOUTHERN CREDIT RECOVERY on the XXXX of XX/XX/2020for different alleged debts of ( XXXX $ ), so I sent them a letter requesting the information concerning this account on XX/XX/2020.I also attached a copy for your viewing and assistance below.
05/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 70810	Web
In XXXX and XXXX of 2017, I fully paid XXXX charged off accounts with Southern Credit Recovery Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70122	Web
Southern Credit Recovery , INC reported a collection account on my credit report on XX/XX/2020, had no knowledge of the debt that was reported. Received a letter in the mail from Southern Credit Recovery dated XX/XX/2020. The collection was improperly and prematurely reported.
05/12/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	LA 70119	Web
XXXX attorney at law sent a threatening letter implying it 's law offices were part of a collection team, out to sue me for XXXX dollars. They are connected to Southern Credit Recovery, they " charged off '' my debt even though i had paid it, and never actually wrote it off.
10/08/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70119	Web
i sent my 2nd letter to southern credit recovery on XX/XX/2020, they did not respond to my first letter from XXXX XXXX, and it is not marked as disputed on XXXX as has been over the 30 days allowed by law.so i am asking it be deleted before i consult with an Attorney.
08/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70809	Web
This is a collection account for a medical bill. I had and still have insurance and met my deductible therefore no additional monies should have been billed. This has adversely affected my credit score and I need it removed immediately.
09/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	LA 70448	Web
i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.
02/13/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70115	Web
I do not know what I am being penalized for. All of a sudden, I start receiving Late Payment notifications on my Credit Score. I do not know what this could be from. I have never previously missed payments for anything.
01/31/2017	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	LA 70458	Web
received numerous phone calls on behalf of XXXX hospital in an attempt to collect a debt owed telling me they were going to take legal actions if i did not pay them
06/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 701XX	Web
Debt in the amount of {$300.00} is not owed to the collector. Disputed in XX/XX/2021. Debt had been removed from the credit report & has reappeared.
03/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance, and it is placed for collections.
12/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70056	Web
On XX/XX/2020 I sent Southern Credit Recovery, INC an Affidavit of Truth regarding an alleged debt from a hospital bill
05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70460	Web
XX/XX/2019 {$800.00}. I have reached out to the company several times. This account has caused me financial ruin.
10/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
i called the creat report angncey and they sepoted it and i got my creat report back it says it stayes on there
05/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web
XX/XX/2019 {$130.00} This account has caused me financial ruin. This account is an result of fraud
01/08/2017	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	LA 70501	Web
I 've been XXXX since 2009 so if I did have a medical issue it was paid for by the state.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 773XX	Web
Have contacted the Creditors many of times and they never get back to me.
06/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 704XX	Web

04/24/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70816	Web

03/20/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web

02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70052	Web

02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70052	Web

01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70726	Web

07/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70001	Phone	Older American

04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70071	Web

02/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71351	Web

12/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70533	Web

09/30/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70526	Web

09/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70808	Web

07/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

06/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70090	Web

06/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70122	Web

06/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70714	Web

05/11/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70802	Web

03/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70714	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70737	Web

12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

08/14/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70128	Web

06/29/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70729	Web

05/31/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70128	Web

05/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70470	Web

11/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70301	Fax

09/02/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70127	Web

06/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70125	Web

05/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70433	Web

03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70460	Fax

12/09/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39069	Web

09/12/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 71201	Web

07/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 700XX	Web

07/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70301	Web

05/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70119	Phone

04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75069	Web

04/22/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70125	Web

03/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70301	Web

03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71049	Web

02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70895	Web

01/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70435	Web

10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70301	Web

08/14/2017	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70301	Web

07/07/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22534	Web

06/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70301	Web

06/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70759	Phone

06/21/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70301	Web

05/25/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 70809	Web

05/25/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 70809	Web

05/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70301	Web

05/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70301	Web

05/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 70030	Web

02/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70757	Web

12/11/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	LA 70003	Web

12/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70360	Web

11/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70070	Web

10/20/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	LA 70072	Web

10/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30274	Web	Servicemember

08/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70767	Fax

08/01/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 70068	Web

07/25/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70115	Web

04/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70769	Web

04/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 71350	Phone

04/09/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	LA 70301	Web

01/21/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70461	Web

01/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70811	Web

12/25/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	LA 70514	Web

12/16/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	LA 70811	Web

09/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	LA 70448	Web

05/17/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	LA 70435	Web	Servicemember

02/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78203	Web

11/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70714	Web

09/03/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70122	Web

08/09/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70002	Web

07/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70118	Web

07/08/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	LA 70070	Web

06/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70533	Web

06/18/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77459	Web

05/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70094	Web

08/03/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 70129	Web