Southern Management Systems Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 75093	Web
To Whom It May ConcernRe : Complaint about unethical conduct of employees/possible owner ( s ) of Southern Management Systems , Inc. [ FEI/EIN # XXXX ] I have an apartment collections from XX/XX/XXXX and am in the process of finding a new place to live. On Tuesday [ XX/XX/XXXX ] I sought advice from the owner of the company I work for about how to pay a collections, i.e. what documentation to ask for, how to pay, etc. She offered to call and speak on my behalf. I found the name of the collector on creditkarma.com and gave the contact information to my boss. She called and the person who answered the phone informed her that I would have to call and give authorization for her to speak on my behalf. I called and spoke with someone named " XXXX '' who I gave my information to and permission for my boss to call about my collection. On Wednesday [ XX/XX/XXXX ], I spoke with my boss, and she told me about the conversation she had with " Extension 150 ''. I do not know the man 's name because he refused to give one. I will not try to recount exact quotes from the conversation because I wish to only give facts. It would be best to contact my boss directly to get a statement which she would happily provide if requested. The gist of it is that the man she spoke with was unbelievably rude and uncooperative. He made inappropriate comments about the quality of the apartment I currently live in due to having a collection on my record, implying that I live in a dump. He accused my boss of lying when she stated that I did not " put her up '' to calling on my behalf. He was very aggressive and demeaning and did not present any options for me to pay my debt. He did not state the amount of the debt or who the original collector was. He did not discuss the details of my collection and spent the majority of the conversation hurling insults. He was very unprofessional and hung up the phone on my boss who then immediately called back and requested to speak with the manager. The woman who answered the phone refused to identify " Extension 150 '' or a supervisor/manager and would not transfer my boss to anyone other than " Extension 150 ''. According to the Fair Debt Collection Practices Act 806 : '' A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. " The Fair Debt Collection Practices Act 802 also states : ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( d ) Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. It is my understanding that the FDCPA was intended to eliminate abusive debt XXXX and to protect consumers from them. I am now afraid to contact this company to try to pay my debt because to me if a person is able to speak to customers in such an abusive manner, it must be a fake company. If XXXX was n't listed in Florida 's XXXX of Corporations, I would think this man was a scammer. If you read reviews about this company on the internet, you will find countless incidents of unprofessional and unethical behavior by employees of this company. XXXX XXXX, XXXX, XXXX XXXX They even have an F on the Better Business Bureau.
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19131	Web
MY DAUGHTER ( XXXX XXXX ) AND I RENTED AND APARTMENT, XXXX XXXX XXXX. THE LEASE WAS FROM XX/XX/XXXX UNTIL XX/XX/XXXX WITH XXXX OTHER YOUNG LADIES XXXX STARTING COLLEGE AT XXXX XX/XX/XXXX. I CAN OBTAIN THE XXXX REPORT IF NEEDED. AFTER REPORTING THE THREATS TO THE POLICE. XXXX AND I REPORTED THE THREATS TO THE LEASING MANAGER XXXX XXXX ON XX/XX/XXXX. IN TALKING TO THE MANAGEMENT AT THE VIEW, WE FOUND OUT XXXX WAS MOVED TO THE APARTMENT DUE TO THREATS OF VIOLENCE IN HER PREVIOUS APARTMENT AT THE VIEW. XXXX XXXX ASSURED ME THAT HE WAS IN THE PROCESS OF MOVING XXXX OUT OF THE APARTMENT D/T NON PAYMENT OF RENT AND THAT SHE, VIOLATED POLICY BY ALLOWED HER FRIEND TO LIVE IN THE APARTMENT WITH HER WITHOUT BEING ON THE LEASE. XXXX WAS SO AFRAID TO BE ALONE IN THE APARTMENT WITH XXXX AND HER FRIEND. AT THIS POINT THE POLICE HAD BEEN CALLED 3 TIMES BETWEEN XX/XX/XXXX AND XX/XX/XXXX. WE WENT BACK TO XXXX XXXX. HE BECAME AGITATED. HE STARTED BLAMING XXXX FOR GETTING THE POLICE INVOLVED. HE STATED HE WAS STARTING TO GET COMPLAINTS ABOUT XXXX. I MADE HIM AWARE XXXX HAD BEEN STAYING AT HOME AND WITH FRIENDS SINCE XX/XX/XXXX AND HAD RECENTLY RETURNED BACK TO THE APARTMENT AND WOULD CONTINUE TO DO SO WHILE THE SITUATION WAS BEING SORTED OUT. HE TOLD ME HE WOULD SET UP A MEDIATION. A MEDIATION WAS SET UP FOR XX/XX/XXXX WITH THE XXXX REMAINING ROOMMATES ( XXXX, XXXX, AND XXXX ). THE MEDIATION BECAME A ROAST FOR XXXX. ALL OF THE ROOMMATES WERE ANGRY AT HER. XXXX THREATENED TO ASSAULT XXXX DURING THE MEDIATION. I IMMEDIATELY CONTACTED XXXX XXXX AND ASK TO HAVE XXXX 'S ROOM CHANGED FOR HER SAFETY. HE OFFERED TO INCREASE HER RENT FROM $ XXXX $ XXXX/MONTH OR MOVE HER TO A SHARED BEDROOM. WE DECLINED TO SHARE A BED ROOM OR INCREASE OUR RENT. I MADE NUMEROUS ATTEMPTS TO RESOLVE THE MATTER VIA THE LANDLORD. MY ATTEMPTS WERE UNSUCCESSFUL. MOREOVER, THE LANDLORD WAS UNINTERESTED IN XXXX 'S SAFETY. I DECIDED TO SEEK LEGAL ADVICE. I MET WITH XXXX XXXX XX/XX/XXXX. I TOLD HIM XXXX WAS IN THE PROCESS OF MOVING OUT OF THE APARTMENT AND THAT ALL OF HER BELONGINGS WOULD BE REMOVED BY XX/XX/XXXX AND I WOULD TURN IN THE KEYS XX/XX/XXXX. HE SAID HE WOULD HELP US BY RE-LETTING HER SPACE IN THE APARTMENT. HE GAVE ME A RE-LETTING FORM AND TOLD ME TO PAY XX/XX/XXXX RENT BECAUSE IT WOULD TAKE A FEW WEEKS TO FILL THE SPACE AND THAT THE VIEW HAD A WAITING LIST FOR APARTMENTS AND TURN IN THE SIGNED RE-LET FORM. I PAID XX/XX/XXXX RENT. WHEN I TURNED THE KEYS ON XX/XX/XXXX XXXX XXXX WAS NO LONGER BEING HELPFUL. HE BEGAN TO BE VEBALLY COMBATIVE. HE SAID I WOULD HAVE TO PUT THE APARTMENT ON XXXX 'S LIST. I PUT THE APARTMENT ON THE LIST. I ALSO SENT A FORMAL LETTER TO THE VIEW REGARDING THE REASON XXXX MOVED OUT. XXXX RECEIVED A PHONE CALL FROM XXXX XXXX ( LEASING STAFF ) THAT SHE WAS NOT ABLE TO RELEASE ROOM XXXX AND WAS NOW TRANSFERRING XXXX TO ANOTHER APARTMENT ROOM XXXX. WE DID NOT UNDERSTAND WHY MANAGEMENT WOULD TRANSFER ROOMS WHEN XXXX MOVED OUT IN XX/XX/XXXX. WE CONTINUED TO REALIZE THE MANAGEMENT WAS BEING LESS THAN HELPFUL IN A VERY DIFFICULT SITUATION. I WENT TO THE VIEW THAT SAME EVENING AND MADE A VIDEO RECORDING OF SOMEONE MOVING INTO ROOM XXXX AND REALIZE THE MANAGEMENT HAD RE-LET THE ROOM THAT 'S WHY THEY TRANSFERRED ROOMS. I DID NOT HERE ANYTHING ELSE FROM MANAGEMENT AND I WAS SURPRISED TO FIND ISSUE HAD BEEN PLACED ON MY CREDIT REPORT. I HAVE ATTACHED SUPPORTING DOCUMENTATION WITH THIS DISPUTE. NOTE THERE ARE XXXX POLICE REPORTS I HAVE XXXX OF THEM IF YOU NEED THE XXXX ONE I CAN SEND AWAY FOR IT.
12/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 322XX	Web
The repeated attempts by XXXX XXXX XXXX in XXXX, FL and the debt collection agency Southern Management Systems is now considered harassment and it not resolved completely within 10 business days I will pursue legal action. The alleged debt is not owed and I fulfilled my obligation as a guarantor for my daughter on this apartment while she attended XXXX. My daughter is XXXX XXXX and the apartment complex initially tried to collect this bogus debt from her earlier in XXXX. After unsuccessful attempts to resolved the issue with the new leasing office manager at XXXX XXXX earlier this year ; we filed the requisite disputes and complaints and the collection item subsequently removed from her credit file ; however, they negatively impacted her credit score approximately 100 points for over 90-days. That is evident on the attached trend from XXXX on her credit file. That is relevant because the ongoing illegal efforts to collect a debt not owed and the collection item placed on my file Southern Management in XX/XX/XXXX has caused a drastic decline in my credit score. This is impeding approval for the purchase of a primary for my wife and I as we work with our mortgage broker from XXXX. I tried to resolve by contacting the XXXX XXXX at XXXX XXXX to no avail. XXXX worked with the leasing office manager at the time ( XXXX ) to execute the proper sublease of her room in the apartment to XXXX XXXX ; XXXX moved into the apartment on XX/XX/XXXX and we paid every rent due on time through XX/XX/XXXX and XXXX assuming the sublease in XXXX. XXXX remained in the apartment with all rents paid through XX/XX/XXXX and thus fully satisfying the lease obligation to XXXX XXXX. The leasing office manager has tried to falsely claim that XXXX did not sublease the apartment, but that can easily be disproved by the fact XXXX moved in and XXXX XXXX collected rents due from her from that period forward. I do not recall the name of the lady I spoke with in the leasing office who assumed the role after XXXX left the organization, but she well aware of the apartment transaction history. Not only have they knowingly tried to collect on debt not owed ; they subsequently issued a false statement to the debt collection agency Southern Management Systems mailing address XXXX XXXX XXXX, XXXX, FL XXXX. We have put three children through university, rented numerous apartments as they completed their education, we have impeccable credit with credit scores generally in the mid to high XXXX historically and have never walked away from a debt owed. This is not an issue of money ; we will provide our current bank balances to reflect that we could easily pay this debt off if it was legitimate. These apartment complexes and debt collection agencies operate a very deceiving tactic and tend to generally assume they will get a recovery or settlement by harassing, bullying, operating with intent to destroy the credit files of students and guarantors through their abusive practices. I have field disputes for the debt collection with each of the credit repositories : XXXX ( report # XXXX ) XXXX ( report # XXXX ) XXXX ( report # XXXX
12/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	NM 87110	Web
On XXXX XXXX 2016 I attempted to rent an apartment locally in XXXX New Mexico, I was told by the apartment that I had a balance owed to a previous landlord and I must contact said XXXX XXXX XXXX to see if I could get balance paid off, on Monday XXXX XXXX I contacted the property management company and they told me that I must contact Southern Management Systems Inc to get a payment made to them. I contacted this company and spoke with a person by the name of XXXX XXXX, even though XXXX XXXX was very rude and condescending I chose to continue the call to see if I could resolve those debt so I can continue with my life. I offer him a settlement which he declined and mention that he would only accept XXXX as a settle for this XXXX dollar account. I promptly replied that I was sorry but I could not afford said amount at this time and XXXX XXXX rudely told " well there is nothing I can do for you, goodbye '' I tried to get a word in however he hung up the phone on me. Approximately 2 hours later I called again to see if I could offer to pay more to his company to resolve the issue, I made a total of XXXX phone calls before I was finally able to speak to someone, I was once again transferred to this rude person, I explained to him that I was advised by a lawyer to pay off this debt, he immediately cut me off and said " you have lawyer? '' Without letting me explain or respond he said " this call is over, I do not want to talk to you '' you have a lawyer and I do not want to deal with you '' he immediately hung up the phone in my face for the second time.which to me seems very suspicious to me, for someone to act like this with someone who is attempting to pay a debt. I was so appalled and distraught at how I was treated I felt like my whole world was spinning out of control and I was being mistreated and felt lower than a human being. Right after that conversation, I went online and looked up this company and there are countless complaints against these people for the way they treated debtors. I called this company 8 more times and in attempt to reach someone, on the 9th try I reach this receptionist who told me that upon looking at my file that it does n't seem like they would want to talk to me, I said I need to speak with someone to resolve this issue and make a payment, I was transferred to XXXX once more who seemed to be laughing at me trying to explain that I do not have a lawyer and all I wanted to do was pay my debt, he sarcastically replied, " I 've told you to not call here again, I do not want to talk to you, do not call us, I repeat do n't call us again, good bye XXXX. '' This company have treated me so unfairly when all I wanted to do was make a payment to them, this company has no right to treat me in this manner. They have lowered my self esteem and made me feel like I was nothing. They did all this, and still have not allowed me to pay off my balance on, they 're holding my life hostage and they 're holding me hostage, it seems like this is a joke to them. Please help me!!! All I want to do is pay these people so I can move on with my life and rent an apartment.
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36801	Web
To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding accounts XXXX XXXX, which you claim chargeoff {$76.00} Southern Management, Which you claim chargeout {$910.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including docu mentation of any potential small claims action.
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 337XX	Web	Servicemember
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
05/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32807	Web
In XX/XX/XXXX, I was Evicted from my apartment after two years of living there and paying on time. They gave me no consideration before moving forward with evicting me. In XXXX the Item showed up on my credit report from Southern Managment systems. I was later contacted by the company asking when I would pay the debt. I explained to them that I need a list stating what is owed. They stated they would comply. I reviewed it and although I did not agree with all the items I did not know what else to do. I offered to settle the debt for all the money I had. 1100 . They denied the amount stating, " The original debtor would not accept it. '' I stated if the amount is sent to them or " Charged off '' then they are the ones who are responsible for the debt, not the original apartment complex. Even so, if that the case I should be able to speak directly with the complex as I don't see the point in having a middleman. Well, that's where it prompted me to do my research on consumer debt. The company " Southern Management Systems states they are a debt collector. This would mean the apartment complex sold my debt to them so now I owe them. The problem is Southern Management Systems doe not have a valid business license. According to Florida Fair Debt Collection Practices Act 559.553 Registration of consumer collection agencies required : ( 1 ) After January 1, 1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555. This means this company has ZERO business operating in the state of Florida. To make matters worse, You can never get in contact with anyone at the office to discuss or resolve your issues. This company often purchases from low-income communities. They buy the debt expecting the tenants limited income and access to resources to be used against them. They have so many court cases against them ranging from violating Florida Fair Debt Collection Practices Act 559.72 Prohibited practices generally : ( Claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate or assert the existence of some other legal right when such person knows that the right does not exist ) to Florida Fair Debt Collection Practices Act 559.715 Assignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment within 30 days after the assignment. The assignee is a real party in interest and may bring an action in a court of competent jurisdiction to collect a debt that has been assigned to such assignee and is in default.
03/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32714	Web
I was unaware of a debt I had with my old apartment complex. I was taken to collection back in XXXX, I was never given a written notice nor was I ever contacted by phone. I have noticed the collection on my report and immediately called the company to see why no attempt was made and the debt collector was very rude over the phone telling me that because I said I was unaware and I was not going to pay something I did not know was on my credit since there were no attempts to collect, she rudely told me well you are being recorded and I said I am aware. I called back trying to settle for less than the amount because to my understanding I did not owe that much, I was told they can only settle for {$940.00} on a {$1200.00} debt which again I'm not sure why I'm getting charged this much. I was told they would do that and no less and if I wanted it to be less I would have to requested by a letter. I wrote a letter and brought it to their office and the receptionist was very rude while receiving it stating that because I have desputed I have to wait 30 days per company policy to hear back from the company about my dispute. This is the response that I'm getting even though I'm saying I have the money to settle. I called today ( XX/XX/2020 ) and the receptionist rudely told me I have to wait 30 days for their decision saying I brung the letter on the XXXX of XXXX of the current year when I brung it on the XXXX, she stated " well you brung it only three days ago so you have to give us 30 days ''. This people are highly unprofessional and their collection ethics are not right. Again, I contacted the company and there has been no attempt to collect in any form even though they have my phone number and current address, I am being told about this debt without any kind of written explanation to what I'm getting charged for or anything. I am simply requesting to settle for half of the amount and they are absolutely just making it impossible for me to settle this with them. This company is very disrespectful to their clients and should not be in business. Just by reading the XXXX reviews you can tell everyone is experiencing the same issues because they just don't care about Fair Debt collecting and they want to make you think that you have no other options but to pay them and not dispute. One of the collectors told me " well that's going to stay on your credit unless you pay it, she said if " you don't want to pay it is fine is your credit ''. That's not a way of talking to someone. And today XX/XX/2020 their receptionist told me because my letter states they have 15 days to give me an answer and they take 30 she said " you can withdraw your offer, that's fine ''. These people don't care about the consumer and they treat everyone like they are nothing. Someone needs to do something about this company. Below I will be attaching some XXXX reviews of other people who also has dealt with the same issues as me as well as a photo of my written letter.
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32304	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
02/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN XXXXX	Web
After living at a college apartment for a fews years i found myself in trouble paying my rent while attending school. me and the property manager were very close, so several months before getting evicted the manager asked me to attend a meeting with her and a former employee. this meeting was set in place to ask me to work for them to clear my debt with them, she understood i had been there for awhile and was willing to exchange services. the apartment was transitioning to a new name and they needed marketing pictures and video and because i'm a professional photographer she saw an opportunity for the both of us. weeks went by and i stopped hearing from her. she stopped messaging me and later that caused me to become evicted. i was done wronged and manipulated, because she left her management position with no notice. this was in XXXX. Southern Management Systems ( the furnisher ) had been communicating with me and as a young individual i had no clue on how to deal with this unfairness. i was told many times by the collector to talk to the apartment complex in which i did. that wasn't helpful because they kept telling me there was nothing they could do. i finally wrote a letter to the furnisher to dispute what i felt was an unfair collection. i mailed full details showcasing conversations i had with the manager and the dates and times. this dispute letter was mailed XX/XX/XXXX. i know they have 30 days to respond to the dispute so i waited and waited to only find out on XX/XX/XXXX that they did not have my information and files anymore and that it was sent back to the apartment complex! that was very disturbing. i asked for more information, and they knew nothing at all and told me to call the apartment because they couldn't help anymore. XX/XX/XXXX the apartment manager remembered me and expressed how confused she was about the situation and that she knew nothing about it. the same day i received an email from the apartment manager that said " this was an agreed judgment for possession. according to my notes, {$1300.00} was owed as of XX/XX/XXXX '' the apartment manager told me that she hasn't spoken with the collector on their reasoning for them sending it back and to reach out to their attorney. XX/XX/XXXX i reached out to the apartment attorney and was only able to leave a detailed message. it has been a few days now with no call back. i have been dealing with this for a long time with no one willing to give me proper information. p.s i renewed my lease and never received my incentive for doing so. they continued to act as if they didn't have the cruise tickets i was suppose receive. i will attach the promotion that states what the portion is for. Thanks
03/09/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37830	Web
On XX/XX/XXXX, I made contact with Southern Management Systems, out of XXXX, Florida so that I could finally start making payment arrangements with the company to start paying off this debt. This debt was put onto my credit 6 months, after being forced to break my lease with my prior apartment complex due to Job Loss and being unemployed for quite some time. I spoke to XXXX at extension XXXX and explained my situation, and updated him on the changes and advised that we were now in a position to start making payments in small increments every other week or every week, working around other bills. He then asked me if I was able to make the half of the balance payment in order to negotiate for a smaller balance. I told him that right now, that was not possible and that we needed to take things slow. He understood. He then advised me that I could go ahead and just start mailing in payments as I saw fit every week. I told him that I would not mail in money orders, because money orders tend to get stolen and it takes weeks to get it back. I then told him that I needed to make my payments online, and he said that was fine. Since XX/XX/XXXX, I have made 8 other calls to try and make payments on their sms-collects.com website, which goes through a 3rd party, with no success. It keeps telling me to verify my account number and pin number and try again. Since XX/XX/XXXX, I have been in constant contact with XXXX at XXXX XXXX and he's told me that they don't know why I am getting that error and said they checked with their clerical department who also could not tell me why I was getting that error. The last call I made to XXXX was on XX/XX/XXXX, and I left a voicemail stating my frustration and that I really needed some help on this. I told them I want to pay them. I have not received a call back since and today is XX/XX/XXXX. So, Since I have made a total of 9 calls and can't get an answer back on this, I would like to file a complaint, because it seems like they do not want to help someone who is willing to pay on their debt and if they can not even return phone calls or fix their website, then I am not willing to possibly sacrifice XXXX XXXX dollars in money orders, in the mail for it to possibly get stolen. This company has been in business since XXXX!!! It is unbelievable to me that they can not accept payments over the phone or give their debtors a reliable website to make their payments on, when everything is done for the most part, electronically now. So either they fix their website, or take a payment from me over the phone, Or, I am not paying this debt AND they need to remove it completely across all 3 of my credit reports, IMMEDIATELY!
11/14/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33179	Web
Dear Sir/Madam, I am writing to dispute the amount of debt ( XXXX ) that southern management system is currently attempting to collect from me. After reviewing the information provided by your agency, I have discovered that the amount being claimed is inaccurate and does not align with my records. Upon receiving your collection notice, I immediately began to investigate the debt in question. After thorough review, I have confirmed that the amount being pursued by your agency does not match the original debt that I owe ( XXXX ). I have kept detailed records of all my financial transactions, and I can assure you that the amount being claimed is incorrect. I am requesting that your agency provide a breakdown of the debt, clearly outlining how the amount has been calculated. It is important for me to understand how the total has been determined in order to address this matter accurately. I would also appreciate any documentation or evidence that supports the debt amount being pursued. In addition, I would like to bring to your attention that I have not received any prior communication regarding this debt. It is important for me to understand the origin of this debt and any prior attempts to contact me regarding it. I believe that as a consumer, I have the right to be informed about any debt and to receive proper documentation before being pursued for payment. I would like to emphasize that I am not disputing the existence of the original debt, but rather the amount that is currently being claimed by your agency. I am committed to addressing my financial obligations, but it is crucial that the correct and accurate amount is established before any further action is taken. I am kindly requesting that your agency cease all collection activities until the accuracy of the debt amount has been verified and provided to me in writing. I believe that this is a reasonable request and falls within my rights as a consumer under the Fair Debt Collection Practices Act. I am prepared to cooperate fully to resolve this matter, but I must insist on having the proper information and documentation regarding the debt in question. I hope to resolve this issue amicably and promptly, and I trust that your agency will work with me in good faith to reach a fair and accurate resolution. I look forward to your prompt response and resolution to this matter. Please address all correspondence regarding this dispute to the address listed below. Sincerely, XXXX XXXX XXXX
07/09/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
05/30/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 78852	Web
In calling SOUTHERN MANAGEMENT SYSTEMS XXXX yesterday, XX/XX/2019 at XXXX XXXX operator did not want to assist me in a well and professional matter. She answered very rudely, I explained that I am a XXXX XXXX with a non-profit organization and this female operator abruptly answered very rudely saying that this agency doesn't communicate with 3rd parties and hung up the call. I called once again to clarify details and that my client was present and wanted to speak with a XXXX speaking rep. Using a very strong and rude tone she says that member needs to call from private number in order to get services and then she hung up on me again. I do not deserve to be spoken to in that matter, I was disrespected and offended. My client got very upset as to why this agency couldn't assist since she only speaks XXXX. Once my client called from personal cell phone number, the same female operator didn't want to transfer her to a XXXX speaking rep since operator believed that my client was speaking descent English. I believe she was discriminating my client and not providing well customer service. After my client persisting to speak with XXXX speaking rep, she was transferred. Today, XX/XX/2019 at XXXX XXXX I wanted to put in a complaint with them directly. Apparently my work phone number has been flagged, I called and no respond was given and call was hung up. I made a second call, same female operator from yesterday answered and I initially asked to speak with management, she asked if I had an account there and I said no. Operator right away asked for my name and number and states " Aren't you the same person that kept calling many times yesterday? ". She was rude once again and said there is no manager available to assist me. I would like for someone to take a look into this matters. Since this agency does record phone calls, I suggest for an investigation to be done. This operator doesn't seem qualified enough to carry a respectful and professional conversation. If she is treating clients on the phone this way, it only causes them to not want to come in contact with agency. Please have this in your consideration, no one deserves to be disrespected or discriminated like this female operator did to myself and my client.
06/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32137	Web
Southern Managament third party for ( XXXX XXXX/ XXXX XXXX ) attempted to claim their is a balance due for {$9100.00} for a apartment I rented in XXXX XXXX Florida XXXX I moved out of the apartment for job relocation. I provied them all information they needed include written letter i was leaving. date included. I forefitted all security deposit as well as i paid the rent for the time the apartment was not rented which was two months. Their claiming their were damages of this amount for the apartment. The apartment complex never notified me of this owned amount. I received harrassing calls begining 12 months after leaving stating this debt was owned. I communicated several attempts with this collection agency to provide the proof of information that would validate the debt. They flat out refused- any settlement offers i have made during that time of XXXX-XX/XX/XXXX they refused. Even offered settlement when they could not prove the debt or the details of damages. I contacted the property manager myself and went to property in which they no longer had any information or record of me living there and could not provide information either. I submited a dispute with XXXX in XX/XX/XXXX via online dispute stated the dispute was closed- however I did not realize this was stated the dispute was already closed when it goes into collection. I was attempting to resolve this and have it removed was the purpose so i choose the wrong tactic on website. The company is called Souther Management Company. I have been attempting to resolve this debt for over 7 years. This company in the beginning called and harrassed and threaten to damage credit report, hold funds, hold tax returns, contact banking center i bank with and withdrawl money. I have not been in contact with them because of their bullying tactics. They have never sent information to me concerning this debt- or the detailed report i have asked for several times. I receive one email from them stating that the debt was valid but no other information.
02/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 337XX	Web
I received a phone call on XX/XX/XXXX from Southern Management Systems , Inc. They informed me they were a debt collection agency working on behalf of XXXX at XXXX and/or XXXX at XXXX in regards to an apartment lease agreement from XX/XX/XXXX to XX/XX/XXXX. This is an apartment complex my daughter lived in college. They claimed there was an unpaid charge for {$230.00} in damages to repaint the bedroom and bathroom and part of the common areas along with an unreturned door remote. I explained I was unaware of any charges and I had not received any notices They went further to inform me that collection notices had been going to the wrong address. I further informed her that I was a listed guarantor on the lease contract that had contained my correct address. They acknowledged having no record of providing a notice of a debt prior to XX/XX/XXXX, nearly 1 1/2 years later. The collection woman demanded immediate payment or she would file it on my credit report. I requested that she send me an invoice for my review. I was sent a collection letter dated XX/XX/XXXX of which I did not receive until XX/XX/XXXX. The Guarantee Agreement was attached that had my correct address all along. Upon receipt of the letter, I pulled my credit report to find they reported it on my credit the next day on XX/XX/XXXX. I find this to be an abusive collection tactic and these people should be investigated. This is a deceptive company that is not playing by the rules. They knowingly filed this on my credit report as leverage to collect a debt that I was not provided the ability to dispute. My daughter lived in this apartment for 2 years along with 3 other girls. The lease was renewed for a 2nd year term and therefore paint touch up of {$230.00} should be considered normal wear and tear on a {$19000.00} lease payment term. In summary, I was not provided the ability to dispute this claim until after the fact, but they still filed this on my credit report with full knowledge they had not provided an invoice.
10/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76244	Web
When i first moved out i was told i could pay the bill online with any card. I get the bill and call the office shortly after to notify that my account is not active. The employee told me that most accounts do not close immediately, mine was acting weird. So the employee tells me that one of the managers of something ( could be technology or business ) would fix my account so i could pay the bill online. I give it about a week or two and try to login again, but to no avail i could not login. I get no phone call notifying me that the employees did their job. I call again and they said that the last person had given me false information because once an account closes they can not open it again. Why would someone tell me i could pay the bill online if that wasnt true to begin with? I digress, the person on the phone then tells me I have two options : the first being send a money order in. The second being to come in with a card and i could pay it this way. I work full time so coming in wasnt an option until today. So I come in today and the person working informs me that everything I was told prior to today was not correct and THE ONLY WAY I COULD PAY IS BY COMING IN WITH A MONEY ORDER not online with a card, not in person with a card, and not through mail with a money order. Then I call a week before it was due and the same employee I first talked to answered. I tell the employee ( XXXX ) my situation and he said he doesn't know why any of the employees gave me the information I received, when he was one of those employees. The company is XXXX XXXX XXXX. Look up reviews on the management and employees theyre known to be horrible. I emailed the company an email similar to this that expressed more frustration but no response. I would provide documentation but apparently my account doesnt exist, and all my encounters happened via phone call or in person. P.S I'm rereading some of the reviews on the complex and it seems as if XXXX isn't the greatest of managers
09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94523	Web
To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency Southern Management and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. If you could look into and help me resolve this matter I would be grateful. Sincerely, XXXX XXXX
08/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OR 972XX	Web
I did signed as a grantor for a lease to one XXXX XXXX who longer longer live on the property [ he did told before he moved out that he has paid all outstanding debt ] until a collection agency [ Southern Managmentent Systems-+XXXX XXXX XXXX ] contacted me saying he not honored payment to an amount {$1000.00} and told me all their attempts to get XXXX failed.I did provide them with XXXX phone number and they confirmed he has acknowledged the debt and will make first payment on the XXXX/XXXX/15.Before this, southern management has gone ahead to place the debt on my records, their reason-they called me several times and could not reached me.When XXXX failed the honor the XXXX/XXXX/15 deadline one XXXX southern management systems called that, since XXXX failed I should start paid.I did paid {$120.00} with him agreeing to contact XXXX for payment of the rest.In XXXX I did not hear from XXXX of his efforts to getting XXXX to pay the rest of the money, I did paid {$220.00} anyways.Today XXXX/XXXX/15 I did respond to a missed calls from XXXX, in our talk I asked XXXX to tell me what efforts has has made so far to get the money from XXXX and also to removed the collection from my records since that collection report has made it difficult for me to make money [ can not longer trade stocks ] to paid off the debt.He told me he was not ready to do that and therefore report will remain in my records-he does n't care and hang up on me.Prior to this XXXX XXXX has always used verbal threats as mode of communication when he does n't want to answer my questions.He told me once his company does n't accept cheques ( which was my prefer payment option ) as a mode of payment, my checks on the company 's website proof this not be true-I have since told him he liar and any future liar to me will not be taken lightly.
09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32746	Web
Southern management systems collection company reported a debt of {$5200.00} on my credit report with hideaway north as the original creditor. I disputed this amount with the credit bureau and they dropped the inflated amount to {$3000.00}. I further went ahead and negotiated the debt with southern management systems down to {$2200.00} with the agreement that southern management systems will remove this debt completely from my credit report and the original creditor hideaway north will withdraw their petition for a civil lawsuit against me.. I paid off the whole balance of {$2200.00} in one payment on XXXX/XXXX/2016. Southern management systems informed me upon payment that the next day XXXX/XXXX/2016, they southern management systems will report the debt to be deleted. Contrary to what the told me they went ahead and reported the debt on XXXX/XXXX/2016 as still being owed and as a result of that XXXX is refusing to remove this from my credit report even though I have sent them a letter showing the balance as paid off and showing a categoric request by southern management systems to have this account absolutely deleted from my credit report. The credit bureau can confidently confirm that on XXXX/XXXX/2016 southern management systems reported the debt as still being owed and the recorded conversation between me and the staff at southern management will also confirm their insistence on the fact that on XXXX/XXXX/2016 they reported the account as paid and to be deleted of my credit report. They have been intentionally lying to me when they know they have reported the debt as unpaid but then keep telling me the opposite. I have spent hours on the phone with both the credit bureaus and the collection company and the collection company refuses to honour our agreement.
07/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 77545	Web
Southern Management Systems holds a debt from a previous landlord in XXXX, TX. Due to this open collections, I am unable to rent an apartment. Although I disputed the validity of the debt ( I was tricked into signing a year lease in addition to the summer lease although they knew it was a great possibility of me relocating due to my employment ) with the apartment complex, their corporate office, and Southern Management Systems no resolution was met. The apartments charged me outrageous late fees and other fees although I had vacated the premises, provided notice, and paid out through the XX/XX/XXXX lease. I recently called Southern Management Systems and inquired for a fax and email address for their office manager because he would not return my phone calls. They refused to provide one. When the office manager finally called me, I inquired as to how to make a payment. He stated am I paying the full amount and I said no. He inquired about the remainder of the balance, I told him it was none of his business. He then stated he would not accept any amount from except the full balance or 80 % of the balance paid in one lump sum. He refused to provide ANY information on how to send a payment in. I find it interesting that the collection agency wo n't accept any amount to be paid towards the debt, and feel if they do n't want any of the money then I should n't be responsible for any of the debt ( although I was tricked into the debt in the first place ), and that the open collections should be removed from my credit report. Southern Management Systems is unprofessional and use negative tactics with debtors. Some form of action needs to be taken against this collection agency.
01/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94089	Web
My former landlord XXXX charged me XXXX dollars for damages not belong to my room and garbage left in hallway not by me. I disputed with XXXX by email twice and was ignored. XXXX send this debt to Southern Management System. I received phone call from Southern Management System and asked for proof of debt from them numerous times and never received. I write a certified dispute letter to Southern Management System and they refuse to pick it up. They finally did not respond my phone and voicemail. I also disputed this alleged debt with 3 credit bureau. They claim this debt is correct to XXXX while not responding to me. XXXX removed this collection account. Southern Management System : XXXX : XXXX XXXX : XXXX XXXX XXXX Timeline : XX/XX/XXXX, statement received, First attempt to dispute with XXXX XX/XX/XXXX, First attempt to dispute with XXXX is ignored. XX/XX/XXXX Initial communication from Southern Management System, request written notice for dispute. XX/XX/XXXX, XX/XX/XXXX Not receiving written notice, Phone contact with Southern Management System requesting written notice. XX/XX/XXXX, Not receiving written notice, written mail sent to Southern Management System disputing and requesting written notice ( tracking number:XXXX ), ignored. XX/XX/XXXX, and numerous time. Not receiving written notice, Phone contact with Southern Management System requesting written notice, not answering, leave a voicemail. XX/XX/XXXX dispute with XXXX, XXXX and XXXX. XXXX XXXX, Second attempt to dispute with XXXX through email is ignored. XX/XX/XXXX Dispute Complete, Collection account deleted by XXXX XX/XX/XXXX Dispute Complete, Collection account maintained by XXXX.
06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 49546	Web
I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a " liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all, but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get.
04/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32250	Web
Over the past year i have received multiple phones calls and letters from southern management systems. They reference a move out fee for an apartment I rented during college over 3 years ago. This particular move out/ cleaning fee was optionally paid during the beginning of my lease, namely the " express checkout fee '' option. I had paid this fee upon move in and thus they are not entitled to it again upon checkout. I have told them this over the phone multiple times to only receive a response of " mail us a copy of your lease proving that it has been paid ''. I certainly do not keep a copy of my lease of a college apartment from 3 years ago and after calling the apartment company they did not have a copy on file as they have changed electronic systems between this time period. I assume that during the change over it did not transfer that I had paid this " express checkout fee ''. After several more fairly aggressive conversations with representatives of southern management systems, where i am simply trying to explain the situation and get information about their claims, I made a statement that if it was necessary to take this to court I would be more than willing to. At which point the person I was speaking with stated that all further communication would have to be through mailed letters with their PO box . During this entire ordeal they never provided any evidence that the debt was legitimate, refused to communicate openly, and have threatened me with credit damage. If I do contact them by written letter I will be providing an attached invoice for my time they have wasted.
11/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 346XX	Web
Leased a " dormatory '' from XXXX XXXX in XXXX. In XXXX of XXXX, the school required me to leave, without moving contents, due to XXXX. They could not, and did not offer any housing solution. I was basically on the street with my backpack. The Lease states that it is terminated IF XXXX XXXX is unable to provide adequate housing. I understand the circumstances to terminate the lease. I have quoted the portion of the lease to XXXX as proof of this understanding. XXXX housing continues to attempt to collect the balance of the terminated lease. I don't owe them anything, yet the continued to the point today, they have a collections agency attempting to collect the debt. This is a fraudulent claim against me and it needs to be removed from my credit report. This is making me get rejected from apartment homes, thus leaving me unable to secure a home. This is damaging my credit, so when I apply for a home mortgage, i will surely get a higher interest rate. I consider these real damages caused by their fraudulent claim. I have formally communicated the dispute of this claim to the XXXX agency ; Southern Management Systems Inc . Yet, they continue to call my cell phone and leaving messages. I have communicated to them that I consider further attempts to collect this false debt to be harassment. Again, this position has been documented to them formally. I don't wish to be worked by them continuously. They need to start paying for my time to deal with this. XXXX housing has the lease and can look at Section 43B. = Lease Terminated XXXX XXXX
11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32504	Web	Servicemember
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S code 1681e ( b ) and 15 U.s Code 1681i ( 5 ) this account is in severe violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? How is that I made no promise to make payments on this account and instead paid it through a settlement agreement and it has been reporting severely past due since 2017. This account, might I add was agreed to be deleted and was deleted only to be put back days later. This account/agency has misrepresented the date of status or last activity ( XXXX ) to re-age the account for any reason such 1. Attempting to modify the credit bureaus statue of limitations on reporting ( 7-10 ) 2. Attempting to modify my statues of limitations for a lawsuit 3. Attempting to increase score damage and coerce payment by making the debt appear newer in age Which are all violations of my rights. As a consumer, I request to know all steps your agency took to insure this item is 100 % accurate under 15 U.S.C & 1681i ( 7 ) Method of verification-Description of reinvestigation. Reporting act Account # XXXX
09/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39056	Web
I made contact with the creditor first on XX/XX/2018 to discuss my account. I was informed by the creditor that my account had been sent for collection with Southern Management Systems , Inc. I attempted to contact Southern Management Systems , Inc. to discuss my account. I was told the only way I would be able to discuss my account would be through my attorney, in writing or I could pay the account in full. The person I spoke with was very short with me. She would not listen when I tried to explain that I never had a conversation with anyone in that office indicating that I had an attorney. On XX/XX/2018, I requested in writing, a copy of any attempted correspondence with me, from their office informing me that my account had been placed for collection with that company. I asked for a response within 5 business days. When I did not get a response, I sent another letter acknowledging the debt and a pay-off schedule. I received a response from Southern Management Systems , Inc. on XX/XX/2018. In the letter the company stated that they were responding to my request to dispute and cease communication. None of this information is true, being the company never provided me the information that I requested. Since I was not provided with the information I requested, I have no idea when my account was placed for collection. The account has been reported to the credit bureau as a dispute. On XX/XX/2018, I sent the company another letter demanding that they correct the false information reported to the credit bureau or remove it.
12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32937	Web
Hello, my name is XXXX XXXX. I am reaching out about fraud on my credit in the amount of {$2900.00}. The problem is with SOUTHERN MANAGEMENT SYST - XXXX XXXX XXXX XXXX. I moved out a few years ago due to black mold. I informed management about the mold multiple times, and they did nothing. The grout, drywall, and framing was full of black mold to the point where it made me sick. They would come paint over spots where the mold came through the drywall from the back with REGULAR paint. This is obviously not enough to fix mold behind the drywall or in the wood of the frame ... I moved out without paying the last few months of rent because FL law states that a landlord must provide a livable environment in order for the lease terms to remain valid. I ran air tests of multiple types, all of them came back showing toxic levels of airborne spores. I have tried to contact them multiple times about this. I never curse, I am polite, I let them talk. I just want to get this resolved because it affecting my credit & it was blatantly wrong. The office people are rude at XXXX XXXX and SOUTHERN MANAGEMENT SYST hang up on me as soon as I bring up mold. Both companies/entities are awful & I am not the only one having these problems. A quick XXXX search will easily show that they have done the same to dozens - if not hundreds of other people. The fact that the company hasn't been shut down, and XXXX XXXX hasn't been torn down is horrific. I need help getting this resolved properly. Thanks!
12/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 766XX	Web
I am a previous XXXX for XXXX XXXX XXXX ( the XXXX XXXX ), I was terminated without given reason on XXXX XXXX XXXX. I did not have previous write ups or disciplinary action on record, ( I did request my personnel file from HR via email and was told they would let me have it once it was put together and I never received it ) I showed up on the XXXX and was let go. I applied for XXXX benefits on XXXX XXXX XXXX, my former employer disputed it however I was able to send proof the XXXX ( XXXX XXXX XXXX ) showing that the reason they gave wasnt true and couldnt be true. I was granted XXXX benefits on XXXX XXXX XXXX. XXXX stated after investigation that I was not terminated for a reason that is related to misconduct in the workplace. I moved out of my apartment on XXXX XXXX XXXX. Before being approved for my benefits I had already been moved out of the XXXX system without any charges. After I was approved for my benefits the XXXX revised my move out and put a move out date of XXXX XXXX XXXX ( which is not accurate ) and then applied over {$1000.00} in charges on the move out statement and immediately sent it to collections. This act by my previous employer was retaliation against me due to me being approved and receiving XXXX at their expense. This has created a grievance on me that is undue and wrong. I have provided all this information to southern management which is the collection agency that they use and still nothing has been done.
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30092	Web
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Southern Management Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
06/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32824	Web
The collection agency have been unable to verify this debt lawfully. They are trying to collect on behalf of their client XXXX AT XXXX XXXX for a non sufficient fee and some alleged amount of {$290.00} they claim I owe to them. However, I would like to say that I didnt pay with a check so forth I never had a return payment and I shouldnt be charged an Non Sufficient Fee like they claim, the amount of {$150.00} is not applicable, the amount of {$140.00} was disputed by me on the credit card I used to pay an application fee because I felt an improper and discriminatory practice against me and I have all the legal rights as a consumer to do so, but unfortunately my claim got rejected by the bank and the money was paid to them. Furthermore the charges on the invoice they had attached on the validation letter are not valid/legit, I never lived in this place so I I should not have a balance at move-out charge for {$98.00}. That being said Im not obligated to pay off this debt that they unlawfully alleged I owe to them and their trying to collect. I have bank statements and proof from my bank that the money was paid to them. In addition I never receive a notice of debt and the only time they call me they claimed that they didn't call to argue with me and they hang up when I try to ask for more details about the money they were trying to collect.
09/06/2023	Yes	Debt collection Rental debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MA 02150	Web	Servicemember
On XX/XX/2023, I logged into XXXX XXXX to discover that I had a derogatory mark on my credit for the amount of {$400.00}. Upon inspection, this mark was due to an outstanding balance owed to Southern Management Systems. Several months ago I received phone calls everyday from a number that was unknown. Voicemails were repeatedly left that did not clarify what the calls were regarding. They simply stated " Southern Management Systems. '' I ignored these calls because I believed they were fraudulent and that I was being harassed by a scammer. I never received notification that I had an outstanding debt with Southern Management Systems or the issuer of this debt to Southern Management Systems. I was never sent or provided verifiable information that this debt belonged to me. This is illegal. I need to be notified that I have a debt that was issued to a debt collector in order to take the next steps. I have no idea how long this debt has been outstanding. I am not happy with this collector and their failure to provide due diligence. I am also unhappy with the failure to notify me of what Southern Management Systems is and why they have been repetitively contacting me. Additionally, I was never provided an account number by the debt collector to verify that the debt was mine or the ability to pay it off.
10/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30319	Web
Southern Management Company nor XXXX XXXXXXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. Southern Management Systems contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 2 years since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand for this inaccuracy to be removed from my report and to notify Southern Management Systems and XXXX XXXX of their discrepancies.
12/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29445	Web
The XXXX at XXXX XXXX entered into a lease for my son a college. I signed the lease. Each unit has 4 bedrooms with 1 common area. The utilities are included up to a dollar amount and then overages are passed on to the 4 tenants equally. After 6 months the other three units were vacated and the XXXX started applying the overage to only our lease even though they had locked the other rooms and would have been their responsibility to heat and cool. My son went down to the leasing office for the first 3 months and the charges were reversed. About that time they started having management problems and the managers were changed twice. We called and and my son visited the office repeatedly to rectify the matter of {$120.00}. They would never give us a number for the parent company to speak to someone that could actually make a decision and they always passed it off and would never address the matter. At which point they turned it over to collections of which I never received a notice to be able to even address the matter and now it has shown up on my credit report for {$290.00} with no notification or such to be able to address the matter. I have no recourse other that to sue the rental company of which I can't get any information on, three states over for ruination of my credit.
05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30088	Web
On XX/XX/2013, this debt for {$1100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
05/27/2018	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	FL 32304	Web
In XX/XX/XXXX, I asked Southern Management Systems to validate a debt I supposedly owe them, but they did not properly validate the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As part of validating this debt, I asked for an 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. Southern Management Systems failed to provide me with these documents along with an agreement with my signature stating that I agree to pay them any money. Also, the letter I was sent has two different names and an unknown address on it making this debt invalidated and unverifiable.
02/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 50023	Web
Apartment company is claiming false property damage done to apartments in order to collect money via withholding from rental deposits or billing the tenants. We have video proof showing no damage was done but the property management company subsequently turned in a claim to a property management collection agency who is now harassing us. Note, this property is for housing primarily for XXXX XXXX University students and they are trying to falsely charge the student and parents hoping they will blindly pay. I requested all of the following information be provided to me by mail and I did not receive it : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Iowa. Because they have reported this debt to credit bureaus and continued to harass me, continuing to pursue this false debt they are in violation of the Fair Debt Collection Practices Act. Attached are the notifications requesting they cease from harassing me for a false claim as well as a link to the video of the undamaged property, XXXX XXXX XXXX XXXX
02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60605	Web
I am submmiting this complain about a collection on my credit report placed by Southern Management Systems , Inc. for XXXX at XXXX XXXX XXXX. I was looking for apartment in XXXX 2016 and was interested in XXXX at XXXX XXXX XXXX, but later on my plan changed and I was no longer moving to XXXX. XXXX did sent me the lease contract for me to sign, but because I didn't have my guarantor sign his portion, the lease was not completed, which XXXX said that '' your lease is not complete until the guarantor portion of the lease paperwork has passed '' in their email too. However, few months later, I saw a collection placed on my credit report with a balance of {$2300.00}, and I start to receive harassing calls from the collection company, Southern Management System. I had no idea what was going on with this collection, so I called XXXX at XXXX XXXX XXXX and they said because I have a lease signed. I explained to them that I never have the lease completed and I never moved in, they did not give me any resonable explaination.Their word was against what they said in the email, and they did not give me any notification before they illegally sell my information to the collection complay, Southern Management System. This is unacceptable.
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38111	Web
TO : XXXX XXXX XXXX OF XXXX XXXX You responded to my previous CFPB complaint and basically ignoring the accuracy of the credit report. I asked you POLITELY to read the attachment below which is my credit report showing the account you report. If you have conducted a reasonable investigation. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your XXXX XXXX so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS
09/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web
On XX/XX/2013, XXXX XXXX XXXX, XXXX, an apartment complex leased a unit showing me as a co-signer/guaranty on the lease. I did not authorize nor sign the guaranty. They did this without any identification. They have referred the debt to a collection agency who has put in on my credit report as in collections. I have disputed this to the collection agency as well as on my credit report ( XXXX XXXX ). I am trying to get a mortgage loan and I had to temporarily lift the dispute so that the mortgage company can get an accurate credit score. This account should not be on my credit report. I have written XXXX XXXX XXXX ( the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they have refused to remove the collection from my credit report. I sent them proof to show that this was not my signature and also my address on the guaranty was not correct. How can a company hold me responsible for a debt when they did not seek identification to certify the co-signer. The amount shown on the guaranty letter is XXXX but the amount on XXXX XXXX is XXXX. I am not responsible for this. The leasing agent was negligent in not securing identification and should not have processed this.
12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web
This complaint is against XXXX XXXX XXXX which started back in 2016 in which they placed a {$2500.00} charge on me and my sons credit and we have both filed several complaints to the credit agencies with no results and I actually filed a complaint with the XXXX and they never responded to this agencies request. So we found they are claiming that we left the apartment without proper notice and that we trashed the place as well. We gave them advanced notice and we didn't leave the place in a mess. The apartment that I moved into after leaving XXXX XXXX called them to verify that I was in good standing before signing my contract. Southern Management services was hired to collect the debt all they did was just place this account on both our credit reports but both parties avoided the XXXX and did not respond. We are just trying to get this resolved because it has been over XXXX and a half years on our credit history so I hope that you can help us with our problems.. also they are only going to send you what they want you to see because we know that they are hiding something and they have been very nasty with us for all these years for up to just asking a question..
12/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 336XX	Web	Servicemember
Southern Management System reported that I had {$4700.00} in collections and placed it on my credit report. They never sent me a bill prior to me contacting them and asking them where did they get {$4700.00} balance from. In response to my letter, they sent me a bill for the amount {$2900.00} and said that they would have all three credit bureaus update the amount. I wrote them a letter trying to clarify inaccurate items in their letter. They retaliating by notifying all three bureaus to report {$4700.00} on my report instead. I will enclose documents to support my complaint.I have sent them several communications trying to find out where they are getting there amounts from and they are evasive. The original creditor is XXXX on XXXX XXXX and they have lied on the paperwork that they gave Southern Management but that's a different story. Southern Management is trying to collect {$4700.00} when XXXX gave them an amount of {$2900.00}. It is incorrect also, but it not the {$4700.00} that Southern Management is unlawfully reporting and trying to collect. Southern Management is trying to pad the bill as evidenced by my most recent look at my credit report.
03/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98092	Web
My account was sent to a collections agency who never contacted to dispute nor validate the debt which was alleged I owed. There was a mix-up in the apartment room in which I resided with a college roommate. I reached out to the original creditor to inform them that I am disputing the amount owed. Instead of the company trying to rectify it, they maliciously sent my account to Southern Management Systems collection agency who never notified me to validate the debt. I have provided a video and photos of the room in which I resided in the apartment - the statement provided does not reflect the room I resided in and therefore I am disputing these charges and asked that the account be removed from collections immediately. This is a shady unfair practice and a violation of my rights. My account was sent to a collection agency without any notification from the collection agency. I WANT THE ACCOUNT REMOVED FROM COLLECTION IMMEDIATELY AS THE ORIGINAL CREDITOR IS AWARE THIS ACCOUNT IS BEING DISPUTED - THE COLLECTION AGENCY, BY LAW, SHOULD I PROVIDED ME WITH WRITTEN NOTIFICATION OF THIS DEBT AND A CHANCE TO DISPUTE AND VALIDATE BUT THEY FAILED TO DO SO.
09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30075	Web
On XX/XX/2022, I moved out of the XXXX XXXX Apartment complex in XXXX Florida. On XX/XX/2022 ( time stamp attatched ), I received a letter of intention to impose a claim on my security deposit for roughly XXXX dollars ( attatched ). First off all this debt was extreme, and the apartment has failed to verify it, but thats besides the point. The letter specifically stated that I had 15 days from the receipt of the letter to respond, or else they would be authorized to make a claim. Not even a week later, on XX/XX/2022 I received a phone call from a collection agency ( call log attatched ), Southern Management Systems in XXXX, saying that the debt has been sent to collections. XXXX XXXX failed to give me the 15 days to respond, and so based on their own literature was NOT authorized to send me to a collection agency or even to collect the debt in general. Even if this debt was legitimate ( which theyve yet to verify ), I was not given a chance to pay anything even if I wanted to. No invoice was sent, just the letter. I am filing this complaint because XXXX XXXX prematurely sent me to collections, and exercised unfair credit practices.
08/15/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 341XX	Web
on XX/XX/2019 I settled an account in the amount of {$1000.00} with agent XXXX at ext XXXX company phone # XXXX on XX/XX/2019 I called and requested to speak to a supervisor were aggressively and unprofessional on multiple call backs and being hung up on by a representative who refused to give her name on a recorded line, only identified as employee ID XXXX. I was never transferred to the XXXX at ext XXXX who was previously in charge of my account I was never transferred to to manager or supervisor, I ask questions that as a consumer I had the right to ask : Have you received my consumer dispute from XXXX if yes yes what was the date of receipt? Have you sent an XXXX request to the 3 major credit bureaus requesting that this account be deleted from my file, if so when, because I called XXXX XXXX and XXXX and they have not received any request from Southern Management Systems. I preceded to ask employee ID XXXX, if the call was being reported and if she was aware that I had rights to ask the questions I asked under FCRA, she proceed to tell me that I was being condescending and annoying by calling repeatedly and hung up on me
11/06/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
On XX/XX/XXXX I received a letter to my house stating that my former apartment complex The XXXX XXXX XXXX XXXX had sent me to collections ( Southern Management Systems ) for an overdue amount of {$120.00}. After speaking with a representative from Southern Management Systems, they told me that I would have to dispute it through them as well as speak to the apartment complex. I got in touch with the apartment complex and they told me that they could not speak to me about a former resident and that this had already been sent off to collections. Additionally, I had placed a security deposit down in XXXX when I initially signed my lease and XXXX XXXX is claiming that since they were under different management at that time that there is no way for me to get this security deposit and/or have that money go towards this overdue balance they are charging me for. I went ahead and sent a letter to Southern Management Systems stating that this is a fraudulent balance and I had never gotten any information from XXXX XXXX about this overdue balance and this is an issue I would like to take care of in a timely fashion.
06/12/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32811	Web
There is a XXXX XXXX account ( XXXX ) on my credit report that should not be reporting on my credit. This account is very old and I have not lived at those apartments for over 10 years. The collection agency who bought this debt, Southern Management, is also trying to charge me an amount that has been grossly inflated to what the original amount was. They are trying to say I owe them {$4900.00}! I have disputed this numerous times and I have not been provided with evidence nor a detailed explanation showing how XXXX calculated what they say I owe. According to the Fair Debt Collection Practices Act, Section 808 : " A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. '' Any collection fees or interest that have been added by XXXX is unlawful and they should not be reporting this account to my credit this way.
04/10/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web
I subleased an apartment before I moved back to XXXX. I was not responsible for any payments on the apartment because everything was set up wit XXXX XXXX Apartments before I left. I attempted to reach out to XXXX XXXX but they are no longer there, it is now a different neighborhood. This debt was originally reported to my credit in XXXX as {$730.00}. As of XX/XX/XXXX, it is {$310.00} so now Im confused on the inconsistencies and no one is reaching out to me with any updates in regards to what is going on. I wasnt aware an debt was even reported until XXXX when I was looking at a deeper credit report and then I checked my credit report again today and the balance is different but no one told me anything. I received a letter in the mail with the new balance asking me to pay from Southern Management Systems , Inc but this is the first communication I have ever received from them and I still dont know how the balance has gone down when I dont owe anything. I have all of the documents from when the apartment was sublet. I would really appreciate this situation taken care of and removed from my credit.
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 16803	Web
Good Afternoon, This is a follow up to my previous email in regards to my claim with Southern Management. I spoke with the Leasing Manager XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in XXXX XXXX as stated on the letter sent to Southern Management. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in room A. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.
05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33573	Web
In 2008 My XXXX son left for college at university XXXX. We rented him an apartment at XXXX XXXX XXXX XXXX XXXX. He was a XXXX so I rented the apartment I my name. # months int the lease they stopped him on the way in and advised him that he was required to sign an addendum to the lease or his rent would go up. He was hesitant but they bullied him into signing. He moved out at the end of the XXXX year as scheduled. Now they are reporting to both my and his credit that we owe {$6100.00} for a defaulted lease. I called them and they said that because he signed the addendum he agreed to extend the lease for another year. First of all, he was not authorized to sign an addendum as he was a XXXX and was not the lessee, but the sublet. Second, They have been actively trying to collect on this for XXXX years even though I have repeatedly advised them that it is not a valid debt. I still receive aggressive collection calls on this. Third, he is unable to secure Student financial aid as a result and he is in his XXXX year of XXXX school. Please advise the steps I must take to eliminate this.
11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33426	Web
I recently discovered on my credit report accounts that I did not recognize, so I contacted Southern Management Systems and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and XXXX to let them know that I have asked Southern Management Systems to validate the debt as mine. Southern Management Systems received my validation request on XX/XX/2020, and XXXX and XX/XX/XXXX received my notice that a request to Southern Systems Management was sent on XX/XX/XXXX. I see that both my XX/XX/XXXX and XX/XX/XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and XXXX enforce the FCRA and stopped any reporting of invalidated debts if Southern Management Systems failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
12/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85281	Web
I had a lease signed at XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) for a year and after the lease term ended, I was falsely charged for an amount of {$230.00} for Damages and repairs. This charge is partially incorrect because they charged me for a missing bathroom door which I think was the largest portion of the charge and I have documents to support my claim which can be found attached below. The company also never provided me with an itemized list of the damages giving me an estimate and directly charged me. When I reached out to them they rarely replied to me and if they did it wasn't a satisfactory reply. I also sent them an email saying I would go to small court about it, and they agreed to remove it. But unfortunately the charge was never removed and was sent to debt collections and I had to pay the whole amount in total and my co-signer received a red flag in his credit file. I was forced to pay this amount from my tuition fees and it was really difficult as a student to pay this false claim which was not even true. Could we potentially settle this out?
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 02151	Web
The XXXX is selling fake consumer debt portfolios to collection agencies. The XXXX is collecting these monies to unjustly enrich its stakeholders and/or increase its stock value. The XXXX 's is an apartment complex for students at the University of XXXX. I never had a valid contract with the XXXX because I 1 ) failed to obtain a guarantor or 2 ) failed to paid XXXX ( XXXX ) times the month rent as a deposit. 1 or 2 were an essential condition of the application to rent ; the XXXX now claims was also a rental agreement. I did not meet the conditions of the application to rent, Therefore a contract does not exist. The XXXX sold a fake debt in my name to Southern Management System, XXXX XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX. The XXXX did not take a particular dwelling off the market since The XXXX never received a completed lease agreement and any other required information or monies to rent that dwelling.. There is no original of the Lease Contract because it was never fully signed since I did not meet the essential conditions of the application to rent.
03/01/2022	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	FL 335XX	Web	Older American
Southern Management Systems submitted a collection of {$1700.00} on behalf of the XXXX XXXX XXXX XXXX XXXX. in XXXX, Florida I am not disputing the debt. I am disputing the manner in which Southern Management Systems associates disrespected me when I tried to acquire any information about the account. Any questions I asked about the account was constantly met with a hung up phone call. An associate would tell me if I was on speaker phone or a Bluetooth phone they would not speak to me-call when I could speak alone without anyone around. They asked for my name, address, phone number an last four numbers of my social security number. I gave them this information on XXXX, 2022. It made me suspicious of the validity and proof of the debt because they did not have any information. Southern Management Systems will not communicate with me. I am requesting that Southern Management Systems delete and remove this erroneous collection on my credit report. A reply would greatly be appreciated. Southern Management SystemsXXXX # XXXX XXXX XXXX XXXX XXXX Fl/XXXX
05/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32256	Web
On XX/XX/XXXX, my daughter re-let her room in XXXX XXXX XXXX in exchange for ending the fall XX/XX/XXXX lease. As the lease guarantor ( co-signor ), I facilitated the re-let agreement. The rent for the semester was paid in full at the beginning of each semester to ensure there were no shortfalls. XXXX moved her personal belongings out of the unit at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX as agreed to by XXXX XXXX, the leasing XXXX at that time. The requirements to begin the re-let agreement were met due to the new tenant signed a lease and the re-let fee was paid. XXXX returned the keys to management and her room was inspected. At that time, we were advised that we had no further financial obligations to XXXX XXXX XXXX. Please see attached form. On XX/XX/XXXX, Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX reported a derogatory mark on my credit file in the amount of {$730.00}. I request that this item is removed from my credit file due to the financial obligations to XXXX XXXX have been fulfilled.
09/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32746	Web
On XX/XX/2020, I've sent ( via USPS ) a certified letter to all 3 credit bureaus regarding a derogatory mark on my credit report. I'am exercising my right under ; Debt Validation pursuant the Fair Credit Reporting Act, 609 - Disclosure to consumer [ 15 U.S.C. 1681g ] and 611 - Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ... ... Im challenging the validity of this negative mark is due to the fact that I do not acknowledge the amount reported of {$2300.00} and it's solely an attempt to collect a wrongful amount. Also, I requested proof of ownership from the collection agency of this account for which they had failed to grant me this legal right as the consumer. Upon reinvestigation of my credit file, it never did remedy the error in question. PLEASE NOTE : This is the type of request I wrote. However, the responses to my credit report investigation was very unsatisfactory as it did not seem to uphold any legalities base on the FCRA rules and guidelines.. PLEASE ASSIST and REINVESTIGATE.. Thank you very much,
06/24/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 15221	Web
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Fraudulent Collection Accounts : Southern Management Syst. Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}
09/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32301	Web
I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. This item SOUTHERN MANAGEMENT SYSTEM account # : XXXX in the amount of {$2200.00} is inaccurate because Pursuant to Pacific Concrete F.C.U. v. Kauanoe, statements and consumer contract are not sufficient evidence of debt. My rights under the Fair Debt Collection Act Pursuant to 15 U.S. Code 1692g ( a ) have been violated by SOUTHERN MANAGEMENT SYSTEM for failure to provide a dunning letter or any validation of debt prior to attempting to collect. I was not disclosed of my right to dispute this alleged debt Pursuant to 15 U.S. Code 1692g ( a ) ( 4 ). I am demanding that SOUTHERN MANAGEMENT SYSTEM have the account # : XXXX removed from all consumer reports. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item upon receipt of this notice Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Sincerely, XXXX XXXX
06/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31602	Web
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and Southern Management SYST ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by Southern Management SYST immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
10/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32304	Web
XX/XX/XXXX I moved out of a student apartment name XXXX XXXX ( former name ) now known as XXXX XXXX. I had three other roommates, I was the last person to move out I requested prior of moving out the leasing agents do a walk through after the other roomates had moved out because items were stolen in the furnish property as well as damages, Once I moved that's when they did a walk through and charge me {$600.00}. That's an absurb amount especially since I express to them what was going on as far damages & missing items I kept pleading with the leasing agents to witness the unit before I moved out because I didn't want to get charge a damage fee. I never knew about this fee until this year XXXX. I reach out to the company multiple time and they never answer their phone and their previous corporate company sold them due to many complaints from residents, I follow up with their new corporate company I'm unable to get a response. I reach out to the debt collector they weren't helpful as well.
05/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60016	Web
The collection company, Southern Management System, is saying that I owe them an amount of {$3600.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by Southern Management System is unlawful and they should not be reporting this amount to my credit this way.
10/31/2022	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	CA 90012	Web
Due to the start of the XXXX pandemic ( XX/XX/2020 ), the university requested that we left the XXXX area to ensure safety. As the pandemic worsened, this required me to relet my apartment since I could not return to in-person classes. As of XX/XX/2020, the XXXX on XXXX apartments sent me a bill of {$120.00}. As of XX/XX/XXXX, I notified them that I have delivered the check to them. However, they still reported the fact that I did not pay them the money for the relet fee, hurting my credit score. After this, I double-payed the relet fee in order to prevent further depreciation of my credit score. Now it is affecting me in my ventures to receive new credit cards and loans because of my low credit score. I explained this to XXXX and they decided to remove it from my credit score. XXXX and XXXX have not fixed the issue yet. I just want this to be resolved because the pandemic caused this error to happen, and it is not a situation that should affect my trustworthiness as a lender.
05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33709	Web	Servicemember
XXXX XXXX XXXX XXXX submitted a case to collection agency, XXXX The debt that has been reported is not true because when I moved out of the apartment, I had to submit a notice to terminate the lease as well. The manager of the apartments at the time made it very clear my situation was squared away. I had to wait on the new apartments to give us a date to move in but she had to have proof to hersupervisor that I was not just squandering in the apartment. So, she made me sign a new lease just incase. Well, now, I am still stuck with that charge. It is on my credit. I needed info from XXXX as to why. The account manager, XXXX XXXX called me back, and was very reluctant to help. He refused my request for a manager or his superior, asking " Why does it matter? ". I need this rectified as soon as possible. I need true answers as to why I am still owing debt I was not supposed to be liable for, where are rhethe papers filed With the apartment complex before it went to collections?
09/06/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MA 02121	Web
On XX/XX/XXXX I signed my lease and moved into my apartment. 15 years later XX/XX/XXXX, I gave my 30 day notice and informed them that my mother was XXXX and I need to take care of her. XXXX I received notice that I had a balance of {$1800.00} and that they tried reaching out to me. That was the first I heard, I called the collection agency and requested to dispute the matter. I was informed that it was not possible and unless balance was paid in full I would be sent to collection. In the 15 years I lived there rent was paid my place was always clean and never had any issues. I had heard in the past that the same thing had happened to previous tenants when they moved out. I wrote a letter and included all the photos of how I left the property and request if they could do a good will deletion. I am XXXX XXXX XXXX and now I can not rent a place because of this. My daughter suffered a XXXX and everything was placed on the back burner. Please help me Thank you
04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
I was living at an apartment at " XXXX '' for over XXXX years with no trouble, however, in XX/XX/XXXX the apartment started having foundation problems and started cracking all over the walls and it was fested with roaches. when I talked to the apartment manager in XX/XX/XXXX they said it can not be fixed and i can move out without any charges ; however, toward the end of XX/XX/XXXX the apartment complex was sold to another company and when i moved out on XX/XX/XXXX the wanted to charge me about {$500.00} extra for an apartment that was not suitable to be rented. I disputed that charge and they sent it to a collection agency Southern management at XXXX which has been harrasing me since XX/XX/XXXX even though I told them that the debt is not valid and they need to either take it to court or stop calling me. they continue to call me with threats and report the incorrect debt to my credit report. Again they either need to take me to court or stop harrasing me.
06/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32819	Web
I checked my credit report frequently, and noticed there was a debt on there for an amount of XXXX dollars from a complex where I was a tenant in an apartment. The owners told me I would be able to break the lease with no penalties due to the condition of the apartment and months of my bathroom ceiling leaking dirty water from the above apartments toilet. I let them know in XX/XX/2020 about this issue, and they continued to send maintenance to patch up the work but not solved the problem. It wasnt until sometime in XX/XX/2020 that they finally agreed that the apartment is not livable or safe and I could break my lease with no penalties on my credit or move into another apartment. Due to the horrible living experience in this complex I decided to just leave and break my lease and they agreed that was fair. I had children and it was just not healthy to be breathing in water with other people XXXX and XXXX. I also never got a letter saying I owed anything.
05/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
After many calls with this company, southern management systems, i was told to send in a dispute in writing which i did after they received the dispute they said they would only remove a couple of things from the move out bill when i asked them why, all they said was that the apartment company would only remove those, when i asked to speak to the apartment complex so i can understand why, they refused to give me any numbers and said all discussions must be through them but i have been hung up on by this company at least ten times. Managed to finally speak to a supervisor/manager who kind of helped out and said to re dispute the newest letter, which i did but now they are saying they did n't receive it, but thats not my fault i could n't send it registered/certified mail because the only address they will give me is a XXXX XXXX XXXX now they have reported me to the credit bureaus not only on my credit report but on my daughters as well.
06/24/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33952	Web
XXXX Applied for a renting lease on an XXXX property with XXXX XXXX XXXX and was notified that they needed proof I had paid off a debt from a collection at XXXX XXXX on XXXX . Contacted XXXX XXXX and also checked XXXX XXXX which both directed me to Southern Management Systems. I called the first time and they said they did not have me on record. After checking XXXX XXXX and confirming the place that had the collection placed on me, I called again. The woman I spoke to told me that I was not on file. She refused to give me paperwork stating that I did not have an account with them owing money. She said they would not give me any letterhead with their company name stating I did not owe them money. She refused to connect me to a manager or another person in the building. Upon asking if they were registered in the state of Florida, she cut me off to say that she was " absolutely not going to give me that '' and that she would be disconnecting.
07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30152	Web	Servicemember
On XX/XX/2023 an apartment complex in Arkansas- the XXXX XXXX XXXX XXXX XXXX -called me to tell me I had rented an apartment. I had not. I told them that they had the wrong person, that I live in Georgia and never been to Arkansas, and therefore had not rented an apartment. They said they would need some information from me to address this situation. Figuring this is a phishing call, I told them I would not be giving out any information. I stressed that they had the wrong person and to stop calling me at the law firm where I work. Today, XX/XX/2023, I received a collection notice from XXXX XXXX XXXX XXXX stating that I owe {$80.00} to XXXX XXXX , an apartment complex in Arkansas. This is a fraudulent claim. I called the number on the notice and when I yet again refused to provide personal information, the woman on the phone started yelling at me. I believe both of these entities are fraudulent and they try to prey upon ordinary people.
04/21/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX XXXXX	Web
XX/XX/21 is the actual date of the 2nd settlement offer via phone date, offered by Southern Management Systems, XXXX XXXX XXXX, XXXX, FL XXXX. Southern Management is a collection agency hired to collect for The XXXX XXXX XXXX, which is student housing for XXXX XXXX University students. Anyway, the XXXX XXXX XXXX has been under new mgmt more than once since I graduated. I was unable to reach anyone. Southern Mgmt has ONLY contacted me via phone for a settlement offer, I agreed to the {$1700.00} offer on XX/XX/21, ready to full pay. My ONLY request is that I wanted a document of the agreement with the agreed upon terms per conversation on XX/XX/21. Due to anything can happen from the time my pymnt is sent to them. I have nothing but their word that they will DELETE their tradelines from all 3 credit bureaus within 30 days. This is my only request. I have asked several times, have spoken with multiple people. Each agent said No.
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77042	Web
I was a XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and successfully completed a leasing agreement with XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX . Years later when I checked my credit report, I found they had reported a Predatory Collection ruining my credit score by claiming I owed them {$2800.00} and sold the claim to a collection agency. I had 3 roommates during this time and there is no way after completely paying for my 12 month stay, that I can be charged another {$2800.00}. XXXX XXXX XXXX today states they have no record of this claim but fail to correct the falsified report against my credit. This is a scam that needs to be investigated to see if this is tied into the XXXX XXXX XXXX system and if other students have experienced the same predatory practices. How much is XXXX XXXX XXXX getting paid to sell inflated student debt to third party collectors who put pressure on students with locking up credit reports.
10/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33950	Web
I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.
05/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
Southern Management System a collections agency for XXXX XXXX XXXX XXXX has been reporting to the credit reporting bureaus that I owe them {$540.00}. I have disputed this with the credit bureaus ( XXXX, XXXX, and XXXX ) and I have disputed with XXXX XXXX as well. None of these companies have furnished me with the proof that this debt belongs to me. I actually received an email from XXXX XXXX recently and in that email they attached an invoice for someone other than me. The invoice was created with some software and not a real copy of an invoice that was signed by anyone. This has been going on for months and its negatively effecting my credit score. I thought the credit bureaus would help but they haven't and the original creditor just gave me the runaround. I desperately need this off my credit report. I'm taking this step before I pay an attorney to represent me in court.
08/14/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 871XX	Web
In XXXX I was XXXX years old when applying for student loans to pay for education while assisting me in room & board expenses. I was not educated on credit as my family struggled with crippling debt. So, unaware of the real-life consequences that missed payments can have on credit I struggled to make payments. Then financial hardships occurred in XXXX leaving me unable to make any payments whatsoever. I called the company to restructure payments with no assistance and finally, the payments when into collections on XX/XX/XXXX, of XXXX. The calls and emails were relentless and would go far past XXXX XXXX as well. I am currently extensive efforts to rebuild my credit such as getting secured credit cards to work towards a good credit score. I want to be responsible after taking debt relief and credit education courses to improve my financial literacy and situation as a whole.
03/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33647	Web
An eviction was filed against me by XXXX XXXXXXXX XXXX in XXXX and that eviction was dismissed via XXXX XXXX XXXX XX/XX/XXXX I have supplied the proof of dismissal to the 3 credit bureaus and this item is still being reported on my credit report despite the information being inaccurate. I have attached the court records which state the item was dismissed with a XXXX balance. This debt is negatively affecting my ability to attain credit. I have called and requested that someone call me from the agency and they refuse to resolve or remove this item. They continue to call me asking for someone else and when I explain that that person does not have this number and explain I requested a call back I am told that my account is still under review. I was told my original dispute was received in their office XX/XX/XXXX and to date it is sill under review????
09/25/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76013	Web
I lived at XXXX XXXX XXXX XXXX XXXX, Texas I moved there to be close to campus with my girlfriend and her twin sister. We all signed the lease under the impression the building was a non smoking building as it states in the lease after months of going back and forth with management there pleading with them on the use of drugs in the building and the constant smoking of cigarettes and weed every day in this building I was advised the issues were being addressed because I am a severe asthmatic after weeks of this promise from the office management XXXX and XXXX they agreed to not charge any balance. If the key was returned the key was returned, and I never thought anything of it because I had already been advised that I wouldnt be charged now it is reflected on my credit negatively and Im getting constant notifications from the collection agency.
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 33189	Web
I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me.
03/01/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 721XX	Web
I received notice from Southern Management Systems , Inc., about XX/XX/2018 for an alleged debt owed to XXXX XXXX. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt collector if collection efforts are successful.
12/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33062	Web
I signed a lease with an apartment complex without having a guarantor ( need XXXX according to the contract ) and the day after, I had to cancel it because my roommate was no longer able to move up as a result of a background check. I tried to cancel the lease in writing the following day and they told me I was stuck in it. I told them I would not be living there and to rent it out to someone else. They in turn rented it out. Over a year later, they contacted me telling me I owed over {$8000.00} for the lease. Upon receiving this bill, I called, told them the problem, and now they are trying to charge me {$350.00} for a cancellation fee. They rented out the room without telling me anything about it and were originally trying to charge me the full amount until I called. This is criminal. I did not live there and cancelled within 24 hours.
12/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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
05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77346	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Southern Management. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
I have spoken to over 4 different representatives at this company. Explaining that I was a victim of identity fraud. I had numerous account including this one. I have disputed issue directly with rental company. They then referred me to Southern Management Systems. I explained issue and that I did not owe any balance and Southern Management Systems refused to help me saying I would need to dispute with Credit Agencies. I disputed with all three Credit Agencies XXXX, XXXX, and XXXX all disputes where denied because Southern Management Systems refused to accept my identity theft explanation. It has been over 6 years now and still no positive results after disputing every year. Balance said to be owed as of XX/XX/2019 is XXXX. This balance is inaccurate as it should be removed due to fraudulent account open initially.
01/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 42001	Web
There are significant issues with the debt collection efforts of Southern Management Systems in XXXX, FL. I received two different validation notices from the same account with two different end of validation dates, and the website on their collection notices was wrong. When I sent them a letter, along with the proof of it, what they sent me back totally disregarded those issues and only discussed the original disputed debt. Also, the CFPB has specifically advised against telling a consumer how a debt will affect their credit. In a phone call to Southern Management Systems on XXXX at approximately XXXXXXXX XXXX XXXX XXXX, I was told that accounts of this nature typically dont just ding the credit score but, in fact, bang it. Again, this was addressed in the letter I sent them, and they chose to ignore all of it.
02/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
Good Afternoon to whom it may concern. My name is XXXX XXXX. I am reaching out because I Have a eviction Debt on my credit from XXXX. I got kicked out the house in XXXX from the house I was living at with my daughters and there mother. i tried contacting company and they lowered it to {$3300.00} and they said they can only make a 3 payment plan of {$1100.00} and I told them I couldn't because I was ok fiancially. I been trying my best working fulltime and taking care of my 3 daughters and trying to be a responsible father and at this point I been stuck in a small eficiency since XXXX and it is very uncomfortable for me and the girls whenever they stay with me on weekends and because the eviction I cant get and apartment for me and my girls. I'm just asking for some help with this issue. I am a responsible person.
10/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 707XX	Web
XXXX claims that I ruined a couch they furnished to me. The couch in my apartment was perfect when I left it. They only sent a final notice letter to me to collect for it six months after I moved out of the unit. When I asked for pictures of the " ruined '' couch, they sent a picture of the underneath of one couch cushion that had a stain on it with a date marked on a dry erase board. They could not even prove it was the couch in my apartment. Even if it was, I did not cause the stain, and a small stain on the underneath of one couch cushion does not warrant a {$500.00} charge for a new couch. I tried to negotiate with them, saying I would pay for the couch if they gave it to me. They told me they no longer had the couch. They have no proof this couch was even the one in my apartment.
06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32926	Web
On XXXX/XXXX/XXXX I spoke with XXXX XXXX with Southern manangement ( an apartment complex where I used to rent back in XXXX ). I called him because it is reported on my credit report that " consumer disputes ''. I am in the process to trying to get a mortgage and this dispute is hindering my efforts. I told XXXX XXXX that I had never been notified of this collection and that I had never disputed this issue, as I was not aware of it. He told me to send a request in writing asking them to remove the dispute, which I did on XXXX/XXXX/XXXX. I asked for a return letter from their company in 30 days, letting me know they had removed the disputed status. As of today, XXXX/XXXX/XXXX, I have not received a letter nor phone call from them and the dispute is still showing on my credit reports.
03/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 168XX	Web
I discovered the collections debt on my credit score account. The following are reasons I am making this report. 1. I did not receive notice from the collection agency about the debt. 2. It is claimed that I owe a rental agency now known as XXXX XXXX XXXX ( previously XXXX XXXX ). The rental agency claims that I didnt return the keys among other things. This is not true. I dropped it in the rental agencys Dropbox. I wrote the rental agency to that effect. The rental agency never replied. I met a worker at the rental agency. However, the rental agency said they would reply by email and never did. 3. This is a fraudulent attempt by both rental agency and debt collections company to put me into debt. 4. I have attached the email to the leasing agency. They didnt reply the email.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33511	Web
I was notified by my credit that there was an debt placed from southern management company by ways of broad management for over XXXX. I contact broad management to see what it was for they advised me it was for an eviction placed for XX/XX/XXXX I advised thats Impossible because the lease was expired in XXXX or XXXX and I didnt resign any lease. I advised I got the apartment for someone and the lease was fraudulently signed I asked for documents to show they never sent it they told me too bad nothing they can do because they no longer manage that property anymore and its my responsibility.. I told them it was fraud and I didnt resign and lease and that Ive been residing at XXXX community for the past 4 yrs Ive been in XXXX. They refuse to help or remove this off of my credit.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
SEE ATTACHMENT FOR IDENTITY THFT REPORT. An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by SOUTHERN MANAGEMENT SYSTEM who also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.
05/04/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33617	Web
HELLO TO WHOM IT MAY CONCERN IM CONTACTING YOU ABOUT XXXXXXXX XXXX XXXX FL XXXX BETTER KNOWN AS SOUTHERN MANAGEMENT COLLECTION AGENCY.THEY CONSTANTLY CALL MY PHONE DEMANDING ME TO PAY A DEBT OR I WILL BE PROSECUTED ACTING LIKE ANOTHER COMPANY ASKING FOR ANOTHER NAME AND I TELL THEM WHO I AM THEN THEY SAY I HAVE A DEBT WITH SOUTHERN MANAGEMENT VERY RUDELY AFTER I HANG UP THEY IMMEDIATELY ATTACT MY CREDIT REPORT AND THEY WONT STOP I HAVE DISPUTED THIS MATTER WITH XXXX, XXXX, XXXX NOW XXXX AND XXXX WAS REMOVED.THE COMPANY NEW THOSE DISPUTE 'S WERE REMOVED EXCEPT XXXX THE LAST TIME THEY CALLED ME THEY TOLD ME THAT XXXX WILL NOT BE REMOVED IN A DISRESPECTFUL DISTASTEFUL MANNER AND ALSO TAUNTING ME ABOUT KEEP HITTING MY CREDIT THE REST OF XXXX AND MORE THEN HUNG UP IN MY FACE.
11/25/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33705	Web
Last year of XX/XX/XXXX a collection for {$6100.00} was place on my credit report i have called the company about this collection and haven't gotten no response at i feel its the incorrect anount to pay for a apartment that i only live at for two months and now they saying i owe them the amount above which is incorrect period i done paid what i could when they file this collection on my account i can't afford to pay that amount period i have other bills as well i done put money in a registry when i got an eviction notice from this company back in may of last year my court records will show you i put something towards this company but it wasn't much cause i had other payments as well the company is southern management XXXX XXXX XXXX located in XXXX florida
01/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 313XX	Web
I leased an apartment in XX/XX/XXXX-XX/XX/XXXX. I received a letter from the community that I was being billed for a couch that I had damaged. My mother showed them proof that the couch was not damaged when I left and we told them that we would not pay for it. She showed them the video of my move out and my move out inspection. They said they would not send me to collections. The collection agency they use is Southern Management Systems in Florida. Now I have had it on my credit report because it was reported on XX/XX/XXXX, and my mother 's and I keep disputing it and they will not take it off my account or hers. While the apartment community is at fault, I do not understand why they keep keeping this false information on my report.
08/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32792	Web
A collection agency under the name " Southern Management Systems '' has reported a " past due '' debt of {$730.00} on my credit report. I received no written notice that they were placing a debt on my credit report and I do not have any unpaid debts with this company as I have never done business with them. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.
07/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33410	Web
Received phone call from Southern Management Systems on XX/XX/XXXX attempting to collect over {$600.00} based on a lease I guaranteed for my daughter which ended on XX/XX/XXXX. I requested they send me detailed information about the debt including copies of all invoices and charges. I disputed the debt with them, I have not received any further followup from them explaining the nature of the debt. If they amount owed is valid, they should have contacted me prior to 9 months. They have already reported it as a bad debt to credit reporting bureaus, yet I still have not received any further information about the debt. I contacted them to follow up on the dispute on XX/XX/XXXX, they could not tell me the status of the dispute.
02/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 117XX	Web
Southern Management XXXX located at XXXX XXXX XXXX XXXX florida XXXX -- They are stating i owe an amount of money but cant prove it, i tried to negotiate with them but they are mean rude and hang up the phone with immature statements like " im not going to do this '' " uh oh i dont take attitude '' and a bunch of other silly comments that result in hangups thus making it impossible to get to the bottom of the collection issue. I have asked them for proof of debt for 7 months and they say check your credit report which they damaged, it is the only debt in collection that i have. I practically beg for proof of debt, apparently the debt is owed to a business that is now defunct. Please help get to the bottom of the abuse.
07/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29036	Web
The XXXX XXXX, Apartment company, has submitted a debt collection for a balance which was not involving my signature and consent. The balance was stated as {$1500.00} as a settlement. I have never looked around any of their apartments at all, nor have I lived/stayed for 1 minute at one of the apartments. I have never been assigned a room for the apartment and have not even received a key for any apartment, so I also have not seen the apartment number. The debt has been opened by the apartment company without my consent since XX/XX/XXXX and then they transferred the debt to the collection agency in XX/XX/XXXX, right after its name changed to The XXXX XXXX. This debt has been posted on my credit record since then.
01/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33705	Web
XXXX is stating that I owe credit protection {$370.00}. XXXX and XXXX has confirmed that the collection is not mine and has removed it from my credit score, however XXXX is still holding on to the collection for some reason. Is there anyway this collection can be removed from my credit report? Southern mgt. is stating that I owe them XXXX as well, however XXXX, XXXX, and XXXX has confirmed that the address associated with the collection does not belong to me, however the collection is still showing up on my credit report can this collection be removed from my credit reports? Please if you can help me in anyway possible it would be greatly appreciated. Thank you so much, I appreciate any help you can provide me.
08/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 300XX	Web
I leased an apartment at XXXX XXXX at XXXX XXXX in 2014. I made every rental payment during my one year lease. I left the apartment in very good condition ( I took pictures that I have available ). XXXX XXXX changed management companies just after I left that apartment. The new management company provided a " move out statement '' showing {$4800.00} in apparent rent owing along with fake charges for cleanup and painting. I have attached copies of all my checks ( except two months where I paid by money order ). The collection of this debt is fraud at the worst and extortion at the best. I paid my rent in good faith and adhered to move out rules. The collection agency is Southern Management Systems
01/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77054	Web
My Name is XXXX XXXX, XXXX. I spoke with XXXX XXXX at Southern Management XXXX XXXX about a debt owed from XXXX XXXX Apartments. After reviewing the lease contract he found that lease did not have my information on it. He told me he was going to correct the mistake and take it off my credit. I contacted him today because the debt is still showing on my credit. And XXXX told me he had no plans to remove it now. I know the phone calls are recorded. My phone number is XXXX. I spoke with XXXX before the week before XXXX XXXX and today XX/XX/XXXX. I need your help. i hear great things about this agency. Please feel free to contact me on my cell : XXXX or by email XXXX XXXX
05/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33612	Web
I have never lived in these apartments they are collecting on. I called the apartments directly and drove down there to get a copy of the lease and i.d of the person who signed the lease and she said I had to talk to the collection company. I have called them maybe 12 times over the last 3 years and they are no help. I tried telling them that it was identity theft and that I never lived there, the man told me to pay or stop calling and the lady hing up on me. I asked for validation/proof 5 times, they have yet to send any letters or emails. I called one last time before sending this in and got no answer. I looked up the company and all the reviews are like this.
10/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28277	Web
Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.
11/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 316XX	Web	Servicemember
This company put something on my credit report and did not attempt to contact me about this debt in no way. There was no written or phone calls about this debt. They put it on my credit report with out trying to notify me or give me a chance to pay it it is also a lot it late charges on the debt that they want me to pay. My son was staying in the XXXX XXXX XXXX XXXX. We moved out of the apartment dropped the keys off they did not say anything about we owed this debt. I dont think it was fair for them to put this on my account. I called Southern management System about this they was real nasty hung up on me twice. The bill is for XXXX There number is XXXX
09/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63123	Web
I was a cosigner on a lease for an international student for an apartment. He paid his rent diligently until he had a medical issue and had to be repatriated back to his home country. The school contacted the apartment management at the time, and his lease was terminated without fault. I found this debt on my credit report two years after the above events and have been trying to get it removed. I never received a bill or any attempt to collect the supposed debt. When I contacted the apartment complex management, they informed me that the property was sold to new management and they do not have any records of the previous arrangements I am describing.
04/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33919	Web
I rented an apartment located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX AKA XXXX. I moved out when my lease was up and checked with the front office in charge of managing the building to see if any payment was owed. I was told I did not owe anything. Less than 1 month later, I receive a letter from a collection company, stating I have a debt owed to XXXX XXXX XXXX. Despite my due diligence, I never received any notice of debt or an invoice before account was sent to collections. No prior attempt was made to make me aware of debt in question, let alone collect said debt. Debt was also posted to my credit report before any contact was attempted with me.
08/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77477	Web
On XX/XX/XXXX, I was sent a letter stating I owed Southern Management Systems an alleged debt. I did not receive this letter until XX/XX/XXXX. I have no idea what this alleged debt is about ; it is not mine. My phone has been spammed with 8 calls from 5 different numbers, all from Southern Management Systems, from the dates XX/XX/XXXX to XX/XX/XXXX, before I received any written notification about an alleged debt. I want to stop getting harassed over a debt that isn't even mine. On XX/XX/XXXX, I mailed out a debt validation request to Southern Management System. The debt has not been validated, yet I am still getting harassed by the company.
05/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32277	Web
I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : southern management systems Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.
01/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web
I turned in the keys to the apartment I was renting with a roommate at XXXX XXXX XXXX and was under the notion that I had paid all balances. Additional fees were not disclosed by XXXXXXXX XXXX XXXX nor future intention to collect any fees. Nonetheless, XXXXXXXX XXXX XXXX proceeded to send a balance to Southern Management Systems collection agency and I was not aware that this was done. To the best of my knowledge, this did not happen to my roommate and is an unwarranted and likely without reason balance that was sent to collections. At present, this collection balance is preventing me from obtaining rent at an apartment complex.
07/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 350XX	Web
In XXXX of 2022, I received an alert on my credit report for a company called Southern Management Systems for an apartment complex in Florida called XXXX XXXX XXXX. I have never lived nor applied for an apartment complex in Florida, and I dont know why it is showing as a collection on my credit. I reported it to the bureaus, and they say I did it. However no one has shown proof that I physically went there in person to apply for these apartments. I have a police report out of my current state of Alabama as I am already dealing with identity theft, but this fraudulent report needs to be taken off by this XXXX company.
05/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75007	Web
My debt was given to Southern Management Systems to collect for a debt from XXXX ( appeared on my credit in XXXX ). I never received any written communication stating my right to dispute. I never so much as got a phone call. The first time I learned about the debt was when I applied for an auto loan ( in XXXX ). I had to call them to receive any sort of information regarding my debt. Keep in mind that this debt was for a college housing lease, not a credit card or anything like that. When I finally spoke to someone, the guy that I spoke with said I could pay the debt in one lump sum or get lost. He was rude.
05/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33417	Web
Southern Managemen t XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) On XXXX XXXX 2016 They are reporting that I owed an apartment complex ( XXXX XXXX ) XXXX rent when I lived there. I have send them proof that I paid the complex rent and cleaned the apartment complex when I left but they are still reporting this to the credit bureau. I have contacted the apartment complex but they have been sold to a third party and have no record of me ever living there. This collection have affected me greatly because it stop me from getting other apartment in my name and affecting my credit.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OK 731XX	Web
On XX/XX/2023 A dispute was made with XXXX for an account that has already been paid for from a different collection agency ( XXXX ) for the same original creditor ( XXXX apartments ). I provided receipts and notified current collection agency ( Southern Management ) that debt was already paid and it needs to be deleted from my credit report. However the account was just updated and never deleted due to accurate and verified information The current collection agency requested proof of payment which proof has been provided. I just want to make sure account is removed as stated.
09/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91773	Web
Southern Management Systems is a third party debt collector that has been illegally harassing me trying to collect debt not owed since XXXX in the amount of {$2000.00}. Using debt validation letters I finally got them to cease and remove all negative marks from my report on XX/XX/XXXX. I have not been able to get an apartment or home since XXXX because of this company. Ive had to live with friends and family the last 5 years because this company ruined my reputation by furnishing false information on my consumer report. A deletion is an admission of the fraud being committed.
08/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33629	Web
My SSN was stolen by a woman with a similar name to my own. She leased an apartment called XXXX II in XXXX, in XXXX XXXX FL, then left owing rent of approx {$1600.00}. The apartment 's collection agency, Southern Management Systems, then reported this on my credit. I learned about this only as I was applying to re-finance a mortgage on my home, that I owned since XXXX. I contacted the collection agency by phone in XXXX of XXXX. After getting more information, I filed an FTC report of ID theft, and a report with the XXXX XXXX FL Police Department 's Economic Fraud unit.
09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34741	Web
SOUTHERN MANAGEMENT SYSTEMS INC. IS A THIRD PARTY CREDITOR WHO HAS NEVER RECEIVED MY WRITTEN INSTRUCTIONS TO REPORT ANYTHING ON MY CREDIT. THEY HAVE PRODUCED SOME FRAUD DOCUMENTS WITHOUT MY SIGNATURE. SOUTHERN MANAGEMENT SYSTEMS INCXXXX IS AWARE THEY ARE VIOLATING THE LAW! In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web
Southern Management XX/XX/2018 amount : {$100.00} I am the natural person, Creditor and Consumer according to 15 USC 1692a ( 3 ) - defines Consumer Pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft. 15 USC 1681 ( 4 ) 15 USC 1681b 15 USC 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related
09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 64015	Web
I was a co-signer on an apartment lease for my son from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX only. My son signed another lease from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX without me as a co-signer or guarantor. I paid his rent during the time I was his co-signer ; however, he was solely responsible for the next year 's lease. He owes the debt, not me for the months of XXXX in the amount of {$2000.00}. I tried to explain this to the collection agency many times but they continuously harass me stating, " They do n't care. I 'm his mom. I 'm liable too. '' He 's XXXX years old.
02/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have communications to Southern Management Systems dated back to XX/XX/2017 in regards to an alleged debt the company. In every request I have submitted to the company, I have asked the company to verify that I am bound to do business with them. They have constantly submitted the same documents from wherever the debt was purchased from, and in none of these documents is there a mention of Southern Management Systems. On top of the company 's failure to verify, I was told in the last letter received that the company would not send any further correspondence.
07/03/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20009	Web
Southern Management SY reported in XXXX a MajorDerogatory to all three credit reporting bureaus that is inaccurate. We dont owe the client of this debt collector anything. XXXX XXXX, a provider of student housing at the XXXX in XXXX neither substantiated nor provided any proof for their claim. They also never contacted me about their demands. Since I made all payments required under the lease for the student apartment of our son XXXX XXXX in XXXX, I consider these tactics unethical and Im am requesting that the item be removed immediately.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 170XX	Web
I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you
10/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33617	Web	Servicemember
Southern Management systems XXXX XXXX XXXX First reported XX/XX/15 Debt ant {$770.00} I called the above mentioned company and was violated my rights FCRA being advised I must give my contact phone number to speak with an representative before anything could be discussed. I disputed this debt with all 3 major credit bureaus in which one of the bureaus have deleted. The service I received when calling in was very unprofessional and did not allow me to communicate with the debt collector to resolver this matter.
12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72019	Web
Southern Management Systems has called various times since XX/XX/XXXX regarding payment to The XXXX XXXX. On XX/XX/XXXX a payment was mailed directly from me to The XXXX XXXX and management confirmed via e-mail receipt of payment and closure of my account balance. Southern management systems has called XXXX other times since XXXX to collect this debt that has already been paid. Each time it is difficult to understand the speaker on the phone, and he informs me that I must write a letter disputing the debt.
12/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75067	Web	Servicemember
I moved out of my student apartments back in XX/XX/XXXX, i had 3 roommates. There were no final charges billed. I was never sent a bill with my move out charges but today XX/XX/XXXX I logged on to the XXXX XXXX to find that they are wrongfully charging me {$1000.00}. I paid all of my months rent and there should be no reason for this overage that is now affecting my credit, and my co-signer XXXX XXXX XXXX credit, resulting in multiple denials.This is false an inaccurate reporting a violation of FCRA!!!
11/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07090	Web
Hello, I received a debt collection letter ( via XXXX mail ) from : Southern Management Systems , Inc XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX XXXX Amount : {$100.00} Date : Between XX/XX/2022 and XX/XX/2022 I don't know what this is about as no other correspondence, bill or details have ever been sent to me. I have tried calling them during business hours but there is no voice mail box and no one picked the call. I need help as I don't have any other way to contact them. Thanks you,
02/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76109	Web
XXXX XXXX Apartments in XXXX Mississippi added duplicate and previously paid amounts to a bill for my son 's lease bill. I am a guarantor on this account. when the incorrect charges were brought to the companies attention they assured me the charges would be fixed. They were not corrected with in the 72 hours they promised. After my son 's scheduled move out on the XXXX of XX/XX/2021, they refused to speak to us about the incorrect bill and said their debt collection service would contact us.
09/27/2022	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	WA 98201	Web
I'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
05/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07047	Web
Southern Management System ( the XXXX apartments ) XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX. Mailing address XXXX XXXX XXXX fl XXXX stating that i owned {$3000.00} i try to revolve the issue in different ways and what they do every month the updated on my credit report as new .. this acct is more than 3 almost 4vyrs old. And they keep updating it on my 3 credit report every month .and for my understanding this action its a violation of law for reporting old past due as a new.
04/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
my son applied for an apartment and he got approved with me on the application, but we never signed a lease nor did we ever move in the apartment. We paid the initial upfront fees. We asked for documentation of this debt and they refuse to provide how we owe this amount of XXXX for something we never signed a lease for nor did we ever live in. The collection agency Southern Management Systems has not provided anything to us with our multiple requests for the information.
10/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL XXXXX	Web
They said that the bill is not paid I have had equal fax to re dispute the payment. I have called they and nothing good turned out from it.. I XXXX XXXX have sent the payment to Southern Management System to try to resolve the issue. I also had the XXXX CRAs submit the receipt of payment that attached to my dispute to Southern Management System. They are refusing to acknowledge the payment therefore I filed a claim with the CFPB to get assistance resolving this issue.
11/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web
I have sent multiple communications to Southern Management Systems. They have refused to send me the original contract that I signed. They also alleged that they have sent me verification of the debt and they were not sending me anymore corrospendences. I would like to see the contract and have the debt verified. On my credit report, it says I owe {$1600.00}. I would like to have this verified and if not verified I would like it removed from my credit.
04/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
11/19/2019	Yes	Debt collection Mortgage debt	Communication tactics Used obscene, profane, or other abusive language	FL 33578	Web	Servicemember
XX/XX/2019- I called to try and get my account number and pin to access their website to pay my debt. I called back and another woman got on the phone asked if I was paying in full I advise no and she hung up. This is rude and unprofessional and abusive behavior. This company should definitely be investigated. There may be other victims. I've now started having medicals issues because of the conduct of this company. Please pull the phone calls.
08/31/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30906	Web
Hello, Thank you for all that you do. This contact is in regards to my communications with " Southern Management Systems Incorporated ''. Upon contacting the company I was treated very discriminatingly after explaining I am an XXXX with the XXXX XXXX and verbatim the lady said " well good for you '' /etc. This occurred on XXXX. XXXX, 2021 at XXXXEST. Please feel comfortable contacting me via email/voice/text/etc. Happy Tuesday, XXXX XXXX
07/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11237	Web
According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX. However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either. They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.
09/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web
This company is fraud, i have never opened an account with yet they are reporting inaccurate information on my CR. XXXX on XXXX and XXXX on XXXX. i never signed a lease with the company they are representing and i never lived at the other company either. i have told them numerous times to remove this information, yet they keep it their expecting me to pay for something that is not mine. You all need to remove this stuff from my report now
09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28546	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
10/23/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NY 10457	Web
I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.
10/20/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 33837	Web
I have received a letter XX/XX/2023 in the mail saying I owe an alleged debt. never got enough information. also didn't get enough time to respond, couple of days later it was on my consumer report. I have sent them a dispute letter to remove inaccurate information. The reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
The company filed judgment with the courts and place the debt on my credit. The judge ruled that the case had been satisfied and hereby dismissed by the courts. I have reached out to the collection company to dispute this collection off of my credit but they refuse to remove it and they disconnect my call. This tactic by the company has caused the stress and hardship, well as extreme homelessness for my family.
05/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 774XX	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against SOUTHERN MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
12/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web
I recieve threathening phone for a debt that is not mind. The company who claims I owe a debt is Southern Management Systems. The original company that claims that I owe debr is XX/XX/XXXX in the amount of {$5500.00}XX/XX/XXXXXXXX XXXX, XX/XX/XXXX I have disputed charged on XX/XX/2020 and XX/XX/2020 and was told debt was verfied. This is causing a hardship on my ability to move forward with my credit.
01/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32765	Web
I am a student attending to XXXX and leased an apartment for a year from XXXX XXXX, XXXX XXXX to XXXX XXXX made all the payments and gave notice of non renewal in advance. Inspection was done on XXXX XXXX and the administration office advice me of everything been clear when I turned the key. I check my credit report about a week ago and find a surprising collection for {$100.00} that I do not owe.
06/21/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32301	Web	Servicemember
This company is attempting to collect a debt that is not mines. They are trying to collect damages for a shared student housing space. And they are trying to collect damages for not contacting them about moving out. I both provided a timely notice that I was leaving. And I also, filed a formal complaint about the other residents that I was forced to live with and the housing being in dis-repair.
03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 77070	Web
I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.
07/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	FL 33613	Web
first time she called was very rude. she has called several times even on sunday has left my a ton of voicemail. I explained to her my financial situation. she said the apartments agreed to settle for XXXXand when I ask her to send me a letter stating that she gets very upset explaining to me that she cant do that, that I send money first than they take it off..
06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32809	Web
I have disputed these debts with XXXX, XXXX and XXXX XXXX times without success in XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following collection : Southern Management {$2300.00}, Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
02/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33596	Web
I have sent several written letters to Southern Management Systems requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications ( written or otherwise ) from this company to validate any debts. They continue to erroneously report false information that is causing a negative impact to my credit file.
09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77066	Web
My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!
07/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85282	Web	Servicemember
I contacted the company and asked them how they verified the debt and why did i not receive notice of this debt earlier. They also stated that the debt is {$360.00} which is not what is reported on my 3 bureau 's credit report. If that information is incorrect this information must be removed at once from my report. I was told to mail in a complaint.
11/03/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
I moved out XX/XX/XXXX and was told I would receive notice of the balance owed, if any. No letter or call was submitted and this showed up on my credit report. I tried contacting southern management systems and they told me they would take legal action, however I still have not been provided with any information on how the amount was determined
02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	PA 19460	Web
from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. When I moved in, they did not clean. The dirty carpet, molds, bugs.. I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. They did not return my deposits, yet.
05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31707	Web
Company opened up debt in my name without authorization, I called company to verify but they refused. It is being reported on my credit account. I was a student on campus at the time and submitted my enrollment verification to prove i lived on campus. The company has changed the location of the account multiple times and refuse to remove.
12/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33712	Web
Have me owing XXXX to an apartment complex where I never lived I never lived there or ever gave anyone permission to use my name to live there. Please provide me with information on this because I will file a police report against this company. And also sue them for putting false information on my credit report which is against the law.
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28311	Web
My son used my social security number to obtain residency in his apartment. I never stayed there and he broke his lease. I already spoke with the company and they verified that I was never there, but he did use my social. The company asked that I file this issue with the FTC and obtain a police report, and then they would remove it.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60652	Web
In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34266	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33607	Web
I sent letter to a letter to Southern Management Systems on XXXX/XXXX/15 asking for validation of XXXX accounts. I sent another letter to them on XXXX/XXXX/15 when I noticed I had n't received a response from them. To date, there has been no response and they continue to report and update this account with the credit bureaus.
10/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 318XX	Web
XXXX XXXX due XXXXXXXX XXXX was sent but no response XXXX XXXX due XXXX XXXX was sent no response XXXX XXXX due XXXXXXXX XXXX was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
10/23/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10457	Web
I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.
05/08/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 37040	Web
After repeated threatening phone calls from Southern Mgmt Systems I asked to not be only contacted through written correspondence. I guess they didnt like that and have proceeded to contact family members divulging my personal information. XXXX XXXX, falsely told my family members that I provided their names.
01/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	FL 33584	Web
My situation with Southern Management is they put a debt in my credit and I explain the situation yo several times that somebody deft my identify including my taxes but I do n't know why they insist to continue with this. Appreciate everything to can do for help me with this particular Many Thanks
01/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27407	Web
Southern Management Systems is currently attempting to collect a debt that I do not owe. My original contract with XXXX XXXX, was paid in full. Before Southern Management Systems obtained this " debt, '' I asked for validation from XXXX XXXX. I have NEVER RECEIVED VALIDATION that this debt is owed.
06/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32303	Web
Me and my wife decided to rent and apartment but we couldnt take it, so after a while we received a call from southern management services a collector in XXXX FLORIDA, and my wife paid in two payments the amount owed of a total of {$1200.00}, her credit is fine but it is still showing on my side.
08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14616	Web
I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help
01/23/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73071	Web
Company continually contacts me while I am working after I have told them not to. Company continues to contact me about a debt I believe I was wrongfully given but will not try to resolve the situation with the apartment complex that places original debt on me. Company ignored my dispute.
11/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 76013	Web
I used to be a resident of XXXX XXXX XXXX. But i have already paid my debt or any other amount i have to pay a long time ago. It was their mistake to send them this. Please clear out with them. They will clear this. Actually, XXXX XXXX XXXX have to give me certain amount refund to me.
04/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web
SOUTHERN MANAGEMENT SYSTEMS IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
01/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87507	Web	Servicemember
Leasing agreement was terminated appropriately and no additional payment was due. I am now being held responsible for non payment of the agreement. I also never received any correspondence regarding this collection from either XXXX XXXX XXXX or Southern Management Systems
04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35611	Web
In 2017, along with a co-signer, I signed a lease at the age of XXXX. In Alabama the minimum legal age to sign a lease is XXXX. The company continues to pursue me, rather than my cosigner, for this debt and it continues to be reported by transunion on my credit file.
08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33578	Web
i had started receiving letters from this company that I have never done any business with and then I started getting phone calls from this company leaving messages on my phone I wish someone would make them stop i 'm trying to work an those calls are very annoying..
07/29/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30092	Web
I called their office today and the receptionist refused to transfer my call to a collector. I am just trying to get an itemized statement so I can pay this account. Please do not contact me via phone, I JUST NEED AN ITEMIZED STATEMENT MAILED TO MY ADDRESS PROVIDED.
07/17/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33543	Web
Balance {$3900.00} Balance updated XX/XX/ Original balance {$3900.00} Original company is XXXX XXXX XXXX XXXX and they sold my debt to Southern Management Systems. I have disputed this off my credit numerous times but they keep updating the balance and the date.
02/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
Date : XX/XX/2018 Amount : {$1900.00} I contacted the apartment complex on multiple occasions to get this debt removed from my credit reports, and I didn't get a response. The debt was paid for with my tax refund check and it hasn't been reported to my account.
05/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78223	Web
I have tried calling the company that I owe my debt to and they were rude and hung up on me on several occasions. I am trying to pay my debt off because I am wanting to make a home purchase, but I am unable to since they are not wanting to work with me.
06/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33610	Web
I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i
04/29/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web	Servicemember
I never gave any consumer report agency written consent to to report southern management systems to my consumer report, which holds an amount of {$2000.00}. I never lived at this residency before, and no consent is considered identity theft.
07/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 38401	Web
The creditor never notified me in writing that i led money and never notified me of the right to dispute. I didnt receive any notice at all until i saw a negative mark on my credit report. I dont even know what the XXXX dollar charge is for.
07/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 789XX	Web
I contacted the apartment complex to pay of the amount of XXXX. Only to find out that they no longer own it and my collection was sold. This was around XXXX of 2021. I did not know any of the company 's they sold my information to.
11/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93720	Web
I sent a debt verification letter within the 30 days provided by original letter ( have proof via certified mail and original letter ). However, before sending any verification of debt they reported it on my credit report.
12/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07424	Web
According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole.
01/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
On XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020 I reach out to this company about debt in the amount of {$3000.00}. I contacted credit bureaus about this debt but fell to remove this debt from my credit report
08/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 334XX	Web
In the month of XX/XX/XXXX something popped up on my credit report for XX/XX/XXXX for {$3200.00} from Southern management syst. I was never aware of owing any company that amount in that period of time.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27834	Web
Creditor is not the correct creditor for this account and was unable to supply original contract with wet signature.inconsistency in account status and account type. However my requests were ignored
03/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 323XX	Web
I have reached out to the company and explained that I have no knowledge about two accounts. But I still offered to do a pay to delete just to have it off my credit and they denied my request
10/28/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MI 48212	Web
SOUTHERN MANAGEMENT SYSTEMS , INC is a debt collector. I am demanding all communication through any medium besides this CFPB complaint to stop immediately. PLEASE REFER TO ATTACHMENT.
05/04/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	ID 836XX	Web
We had contacted Southern Management Systems multiple times to try and settle a debt and the case manager gets mad at us and starts XXXX us out demanding we give her her money now.
06/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97225	Web
I received a letter from a debt collector in reference to a debt that did not belong to me. I was also never notified of any past due balance with the original company.
04/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL XXXXX	Web
XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75149	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results.
03/15/2021	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	OH 43609	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	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	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
Was not the generator at the time for student at XXXX XXXXXXXX XXXX Student used her credit.XXXX Florida. This was definitely fraudulent activity.
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 347XX	Web
This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.
10/17/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 94062	Web	Servicemember
Ive including the police report with all the information I have pertaining to this situation. Ive sent a copy to all parties involed
10/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Web
The debt is for {$11000.00} it was in my father name I was added on the lease and he passed away and my lease already ended
09/17/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 349XX	Web
SOUTHERN MANAGEMENT SYSTEMS IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.
09/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28117	Web
An account showed up on my cbrs that does not belong to me. I've never done business with either company listed.
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38671	Web
Someone is using my information for apartment leases and try to open a credit and also trying to get loans
07/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 34741	Web
I paid the debt the telephone is XXXX and the number for confirmations the paid is XXXX
03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32811	Web
wrongful eviction stated on my credit showing a balance due when there isn't
01/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32810	Web
This was a fraud account and it still reflects on my credit report.
05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web
I am a victim of identity theft
12/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 328XX	Web
This is not my debt.
02/05/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 77035	Web

02/04/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 77088	Web

01/31/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	GA 303XX	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 722XX	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 604XX	Web

01/12/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	FL 33324	Web

01/11/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 323XX	Web

12/26/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98273	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33573	Web

12/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web

12/17/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32792	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32824	Web

12/08/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30078	Web

11/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 27301	Web

11/17/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	VA 20147	Phone	Servicemember

10/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MO 64139	Web

10/04/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NJ 07040	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17356	Web

09/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77049	Web

09/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	FL 32114	Web

09/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 31721	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NC 27523	Web

07/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32220	Web

07/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77581	Web

07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35405	Web

07/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32839	Web

07/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76528	Web	Servicemember

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34639	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30114	Web

04/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32217	Web

04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33613	Web

04/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46278	Web

03/07/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07111	Web

03/02/2023	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 75035	Web

02/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35976	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33404	Web

02/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77386	Web

01/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33617	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61821	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38019	Web

01/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33076	Web

01/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	XXXXX	Web	Servicemember

01/13/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 32301	Phone

01/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32810	Phone

12/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30354	Web

12/21/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28328	Web

12/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 326XX	Web

12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33021	Web	Servicemember

11/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77380	Web

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 19131	Web

10/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web	Servicemember

10/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33607	Web

10/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70815	Web

08/30/2022	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	FL 32801	Web	Servicemember

08/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33181	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 76542	Web

07/06/2022	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	TN 38111	Web

07/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30308	Web

05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78148	Web

05/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14420	Phone	Servicemember

04/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08079	Web

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79088	Referral

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30084	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 366XX	Web

04/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18015	Web

04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33064	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33323	Web

03/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75501	Web

02/25/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28435	Web

02/18/2022	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	FL 34711	Web

02/18/2022	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	FL 32669	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web

02/12/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	XXXXX	Web

01/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28211	Web

01/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22304	Web

01/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30319	Web

01/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30157	Web

12/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32608	Web

11/08/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77039	Web

10/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21085	Referral

09/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30188	Web

09/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32817	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24012	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 306XX	Web

08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95209	Web

07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70119	Phone

07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78526	Web

06/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32839	Web

06/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72022	Web

06/09/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 91766	Web

05/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 65201	Web

04/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95219	Web

04/27/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	GA 31404	Web

04/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70815	Web

03/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33604	Web	Older American

03/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

03/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32839	Web

02/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85710	Web

12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 37208	Web

12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79936	Web	Servicemember

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33803	Web	Servicemember

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32828	Web

10/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72113	Postal mail

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32808	Web

10/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32789	Fax

10/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32810	Fax

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32826	Web

08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

08/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32801	Web

08/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94566	Web

08/06/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75211	Web

07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32174	Postal mail

07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96782	Web

07/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30294	Web

07/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75206	Web

06/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77081	Web

06/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35401	Fax

06/02/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38004	Phone

04/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30342	Web

03/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32703	Postal mail

03/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27312	Web

03/06/2020	Yes	Mortgage FHA mortgage	Incorrect information on your report Information belongs to someone else	FL 33615	Web

02/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76643	Web

01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10044	Phone

01/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76502	Web

12/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32801	Web

12/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77048	Web

12/26/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30815	Web	Servicemember

12/04/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

10/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77320	Web

09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34683	Web

08/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34606	Web

07/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75203	Web

07/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

07/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75070	Web

06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33884	Phone	Servicemember

06/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 59105	Web

06/05/2019	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		Phone	Older American, Servicemember

03/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32040	Web

02/19/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32819	Web

01/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35211	Web

01/31/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	DC 20013	Web

01/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Postal mail

01/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32810	Web

12/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75207	Web

10/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33409	Web

10/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33407	Web

08/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Referral

08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77075	Web

07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95603	Postal mail

07/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33611	Web

06/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90036	Web

04/23/2018	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 Was not notified of investigation status or results	FL 32808	Web

04/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44123	Referral

04/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91401	Web

04/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32772	Web

03/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

03/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30459	Web

03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 40243	Web

02/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30308	Web

02/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32809	Web

12/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

12/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77591	Web

12/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77556	Web	Servicemember

12/07/2017	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	FL 32309	Web

12/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33635	Web

12/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72032	Web	Servicemember

10/31/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33611	Web

10/31/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	OH 44128	Web

10/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32772	Web

10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web

09/22/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web

09/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30080	Web

09/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33594	Web

08/23/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33572	Web

08/14/2017	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	FL 34116	Web

05/21/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 33169	Web

05/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33702	Web

05/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32817	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30294	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 19460	Web

03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33566	Web

03/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 33311	Web

03/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27519	Postal mail

02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33060	Web

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75056	Postal mail

11/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 34743	Web

11/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07506	Web

11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34758	Postal mail

09/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34986	Web

08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 34947	Web

07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34655	Web

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33967	Web

05/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31601	Web

02/19/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MD 21701	Web

01/22/2016	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	FL 34744	Web

12/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32839	Phone

12/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32839	Web

11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 22311	Web	Servicemember

11/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77539	Web

11/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34745	Web

11/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34744	Web

10/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33774	Phone

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	IL 60035	Web

07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32724	Phone	Servicemember

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32810	Web

07/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33705	Web

07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 79106	Web

07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34446	Phone

07/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78251	Web

07/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30349	Web

06/23/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	FL 33711	Phone

06/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33071	Web	Older American

05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33071	Web

05/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32205	Web

03/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 35405	Web	Older American

02/23/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 33544	Web

02/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30296	Web	Servicemember

02/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OH 43606	Web

02/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34683	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 34683	Web

01/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34746	Web

01/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 34741	Web

01/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33716	Web

12/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30080	Web

12/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 14043	Web

12/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27713	Web

11/28/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 33928	Web

11/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 76202	Web	Servicemember

11/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29229	Web	Servicemember

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34714	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 32812	Web

09/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77429	Web

09/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31020	Web

08/13/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77584	Web

07/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33321	Web

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32855	Web

06/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20817	Web

05/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32828	Web

05/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 76202	Web

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33626	Web	Servicemember

04/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34953	Web

04/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32839	Web	Servicemember

04/10/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33804	Web

03/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32869	Web

03/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23602	Web

03/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DC 20015	Postal mail

02/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33155	Web

02/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32828	Web

02/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34997	Web

02/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34997	Web

01/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32041	Fax

01/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MS 38655	Web

01/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32839	Web

01/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77433	Web

12/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33813	Web

11/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30076	Web

10/20/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36832	Web

09/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 23606	Phone

09/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34761	Web

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 34683	Web