| 10/15/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Sir or Madam : I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These sections also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided is the result of identity theft. Please investigate this matter, close the account and absolve me of all charges, take the steps required of you under the FCRA, and send me a letter confirming your findings and actions, as soon as possible. Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 168li ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title. ENCLOSURE : FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) Requirements on Users of Consumer Reports Prohibition on Sale or Transfer of Debt Caused by Identity Theft ( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. ENCLOSURE : FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies Duties of Furnishers upon Notice of Identity Theft-Related Information ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
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| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I submitted a a dispute to XXXX I contacted Southwest medical collection agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. Southwest collections was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.
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| 07/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( 3 ) Restrictions on sharing of Medical Information.
Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.
Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.
As a Federal protected Consumer, I never gave XXXX any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint.
Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : Southwest Collection Services- ACCOUNT NUMBER XXXX Southwest Collection Services- ACCOUNT NUMBER XXXX
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| 12/14/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account 1 : XX/XX/2020 {$14.00} Account 2 : XX/XX/2020 {$17.00} Account 3 : XX/XX/2020 {$14.00} Account 4 : XX/XX/XXXX. 2020 {$17.00} I reject your Offer to contract.I have not given my lawful authority for any non affiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication pertaining to this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 usc 1028a. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor. I have reasonable cause to believe that the medical facility XXXX XXXX XXXX XXXX and that you both are trying to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.
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| 03/06/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I called XXXX XXXX XXXX 's billing service to set up the amount " payments in lieu of reporting ''. In late XX/XX/2018. I agreed to this with the lady at thXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX She said the account had just been forwarded to Southwest Collections. So I called them, Southwest Collections didn't even have the paperwork yet. I asked for a payment plan of $ XXXX month in lieu of reporting. They THANKED ME with 19 Derogatory reports, all dated XX/XX/2018. I was not given the thing I bargained for and for this reason I feel I should not have to pay the amount. They are in the wrong because I said over and over I'd pay in lieu of being reported. I feel I've paid enough under the circumstances.
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| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
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| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
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| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : Its 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 credit card account under an open end consumer credit plan as late for any purpose.
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| 01/19/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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on XX/XX/2016 a medical collection was added to my credit report that i had no knowledge of
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| 05/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 05/09/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Phone |
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| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 02/02/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 06/08/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 01/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Phone |
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| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 10/22/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 07/16/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Fax |
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