Synerprise Consulting Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNERPRISE bal. {$3900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of 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 relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XX/XX/XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNERPRISE bal. {$7100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of 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 relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNERPRISE bal. {$84.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of 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 relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
03/17/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76011	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 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations. Texas XXXX 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 ). This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the XXXX and FDCPA. Please reply with your response via XXXX 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 ( XXXX ) 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.
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 754XX	Web
SYNERPRISE CONSULTING SERVICES ACCOUNT # XXXX To whom it may concern I received a copy of my credit reports from XXXX and noticed a COLLECTION that you are continuously reporting to my credit report unlawfully. First off, thiss debt you are attempting to collect is past the statute of limitations in my state. 2ndly, According to the Fair Debt Credit Reporting Act, the Fair Credit Reporting Act, and the CFPB your company is in clear violation of the law. The law clearly states that under these statutes certain provisions must be met before reporting to the Consumers credit report. Below are the statutes that your company is deliberately violating : 15 USC 1666 ( b ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC 1681 ( b ) ( 2 ) : PERMISSIBLE PURPOSE OF CONSUMER REPORT ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMERS CREDIT REPORT a ) ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons. Did I give your company written permission or instructions to furnish this account on my credit report? If so, please provide the proper documentation with my signature giving your company permission/consent to furnish my personal experiences and transaction history on my Credit Report. If no such item exists You are bound by law to remove the late payment status from my credit report and update my profile IMMEDIATELY. Furthermore, I have disputed this directly with XXXX, XXXX, and XXXX three times already to no avail. Due to the blatant disregard of State and Federal laws as well as the WILLFUL NONCOMPLIANCE, XXXX has caused me unnecessary XXXX, XXXX, and XXXX. I am requesting that the above-mentioned late payment for ( XX/XX/2017 ) be removed from my credit profile IMMEDIATELY! Failure to respond satisfactorily with the deletion of the late payment will result in Legal actions being taken against your company for the following : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTION PRACTICES ACT 4. FAIR CREDIT REPORTING ACT Sincerely, XXXX XXXX
10/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
To whom it might concern, On XX/XX/XXXX I sent a letter to Synerprise Consulting Services to dispute the validly and terms of the reported debt under the terms of the Fair Debt Collection Practices Act and Fair Billing and Reporting Acts. ( Copy of Letter attached in pdf format, as well copy of signature reception number XXXX XXXX XXXX XXXX XXXX of certificated letter ) This company without any warning and validation of the debt placed negative information in my credit report. ( Copy in pdf attached showing negative report placed by this company SYNERPRISE CONSULTING SERVICES. ) I asked the Collection agency to Submit verification of this alleged debt and include documents mentioned in the letter mentioned above. As an answer from this copy, I just received a page saying the total amount owed is accurate. But, without sending any requested document for verification of the debt. ( Copy attached of their document ) THEY FAILED TO COMPLY MY REQUEST OF VALIDATION. I also include three pages shows this debt does not exist. It was paid directly to the XXXX XXXX. The hospital authorized me insurance directly from XXXX XXXX what they call XXXX Connection. The hospital account is XXXX and all charges from XX/XX/XXXX to XX/XX/XXXX balance is XXXX. In copies attached shows a number which is XXXX to confirm there is not such debt. I want to stress I never signed any document with any company ONLY with XXXX XXXX. And this collection company has violated my rights according to Fair Debt Collection Practices Act and Fair Billing and Reporting Acts. As well has caused me too much damage in different ways like : Emotional stress loses in my business as consequence of this negative report, immobilizing my life in different ways, all my invested time and affecting my family among other troubles caused by this negative report of this Collection Company SYNERPRISE CONSULTING SERVICES. I do not forget to mention they have called me in different times and different hours which I will proof in Court with the reports of my company providing me my telephone service. Yes, I will proceed to pursue all causes of action against this company to seek all legal actions available. Yes, I will file a suit against this Collection Company SYNERPRISE CONSULTING SERVICES. I kindly ask to this honorable Government Institution to apply all legal corrections and penalties to this company SYNERPRISE CONSULTING SERVICES for ALL the violations to my rights and keep me informed. Please if you might need any additional information or have any question, do not hesitate to contact me. Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Texas, XXXX
08/09/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 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 ) 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
06/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 775XX	Web
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also provide an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by and my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
03/15/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76133	Web
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
08/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76135	Web
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
This company ( Synerprise Consulting SE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
12/17/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
**THIS IS NOT A DUPLICATE* This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. According to the Federal Trade Commission : You must provide authority to collect on your behalf. 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter. ( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
08/13/2021	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 75241	Web
Your company is reporting the accounts on my credit report as a collection account. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Noti ce has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
06/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web
To whom this may concern, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXXXXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. All accounts in dispute listed below : SYNERPRISE CONSULTING SERVICES Formally XXXX : Date of service XX/XX/XXXXXXXX XXXX XXXX XXXX
06/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79912	Web
Very simple ... I have a bill from some XXXX that has been paid with the minimal amount that is suggested on the bill itself of {$20.00}. Payments have been consistent every month, certainly no reason to go to collection. I spoke with the dr. and his third party billing agency and all can not understand why this went to collection as they see consistent min. payments have been made. I received my XXXX call at XXXX from Synerprise XXXX regarding this bill. I said that my husband is our bill payer and I would check into it. I did just that to find that payments have been made of the min. {$20.00}. I then retuned a call to the collection agency to give them the information. I received another call this morning that shook me up terribly as the individual on the phone was threatening, demanding, cocky and rude. He actually hung up on me ending his call to me. I told him the same thing over and over that I have been paying the min. of {$20.00}. He asked me to call him back with the latest payment information. I said I was driving and that " no '' I would not do that as he can call his customer and find that out himself and there is no reason for him to even be calling in the XXXX place as again I said that payments have been made by with the min. payment. He mimicked my " no '' with an emphasizing sure surprise that since I would not call him back with the info he requested he would send me to collection that would wreck my credit and asked me if that is that I wanted to happen. I said that I will then just get an attorney as there is no reason for him to be calling me and he said " good luck with that ''. He was rude, demanding, and insensitive to the fact I was driving as I stated to him that payments have been made and that he was telling me a lie that I owed $ XXXXwhen in fact I knew the bill was down to {$28.00} and change. He was cocky in is presentation and conclusion when saying " have a nice day '' and hung up on me. This was XXXX XXXX at Synerprise. I was shaken terribly that when I got into work I called the Dr. XXXX who was very kind and then his third party at XXXX billing - XXXX. She apologized and could not understand why this went to collection. Just bad.
04/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 79764	Web
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XXXX and mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....
02/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 757XX	Web
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Synerprise Consultinto release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. Best Regards,
01/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77320	Web
Unfortunately, I did not take note of every statement I have received, nor did I take note of all contact with XXXX XXXX XXXX. We received a statement dated XX/XX/2016 for {$230.00} from XXXX XXXX XXXX. I called my health insurance company, XXXX, on XX/XX/2016 and asked them about the statement. XXXX informed me that XXXX XXXX XXXX has a contract with them and as part of their contract, XXXX XXXX XXXX should NOT be contacting me for payment. I called XXXX and let them know that and I told them that I just want to make sure that this does not go to collections and hurt our credit that we have worked so hard to build. The employee at XXXX XXXX XXXX would not confirm with me that our account would not go to collections when I asked. Since XXXX was unwilling to help me in any way, I decided to call XXXX back on XX/XX/2016 to let them know that XXXX would not confirm with me that my account would not go to collections. XXXX put me on hold and called XXXX XXXX XXXX. The representative at XXXX spoke with XXXX XXXX at XXXX. XXXX confirmed with me that they already payed XXXX {$230.00} for the services rendered and that the bill that XXXX sent me was a double charge. XXXX gave me a confirmation number of XXXX. I called XXXX back on XX/XX/2016 to confirm that everything was taken care of, given I had not received another statement in about a month 's time. XXXX told me that they sent XXXX XXXX the Explanation of Benefits and that I am not accountable for the payment and to stop worrying about it. I felt at ease until I received another bill from XXXX XXXX XXXX on XX/XX/2016. The statement read : **FINAL NOTICE** YOUR ACCOUNT IS SEVERELY DELINQUENT. IN ORDER TO AVOID FURTHER COLLECTION EFFORTS, PLEASE REMIT PAYMENT UPON RECEIPT OF THIS STATEMENT. Today, I received a bill from a collection agency ( Synerprise Cpnsulting Service, Inc ). I am just too busy to be dealing with this. My mother just passed away. I just do not know what to do or who to contact to resolve this and to prevent it from hurting our credit. Please help! Thank you so much.
05/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75232	Web
XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXX and all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
05/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75232	Web
XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXXand all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
11/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76226	Web
To whom this may concern, 3 of my hard enquiries on my credit reporting should not be there. During this period I had health insurance with XXXX when I gave birth to my daughter in 2020. One of the collections was paid to the initial company by my insurance and 8 months later they retracted this payment which then they sent it to collections. The other 2 never applied my insurance. Ive been dealing with the insurance for the last 2 years and everyone I speak to tell me there shouldnt be an issue as I had insurance the whole time with no issues and can not understand why it was retracted But say now its been too long I may struggle to get them to pay. It should not be my responsibility to pay these it should be my insurance company and I can never get through to a person that can honestly help me out. Ive filed a complaint, escalated the problem and made a claim and they all get thrown out because it was 2 years ago. Please find attached the proof of insurance paying and then retracting payment saying it was terminated and is now my responsibility. The insurance tells me my coverage never needed so they should pay it. In regards to 2 other collections I was unaware that the hospital didnt apply my insurance. I called the hospital recently and they said they also escalated and will try and reach out to my insurance however because I no longer use them as my current insurance due to this problem they may face problems due to the time frame. In regards to the first they retracted the payment so many months later it was then late the insurance said to file an appeal. Please also find attached all proof on my credit report. 2 from us anestesia and 1 from advanced obgyn.m that my insurance is responsible for paying for. This situation has caused so much upset and stress over the years and unfortunately I can not purchase a home. Any help in this matter is so greatly appreciated. Kind regards XXXX
04/07/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 77090	Web	Older American
I received a voice message on my cell phone from a collection agency. The name of the agency was not provided. The female caller 's message gave a number and a website, XXXX. I was unable after several search attempts to find the site. I called the number provided and when I asked the name of the caller, i thought he said XXXX. This billing is related to charges by XXXX XXXX that they failed to submit to XXXX on my behalf in XX/XX/XXXX. During the conversation when I attempted to relate this information to XXXX he became very rude demanding that I " just pay up '' etc. Since I was n't able to communicate my situation with him, At present, I have not received a written request. I politely asked that the agency make no further phone calls to me. XXXX rather arrogantly replied " We 'll keep calling until you pay this balance. I have contacted XXXX and have confirmed as I had questioned XXXX XXXX XXXX in XX/XX/XXXX, that they had received only XXXX claims during the calendar year, XX/XX/XXXX totaling less than {$300.00}. I was billed for {$280.00} which I have attempted to pay, and discovered that XXXX of my payments were never recorded. I called the clinic business office today to get the name of the company, Synerprise Consulting. I then called the agency and requested XXXX full name, but was told there was no one there named XXXX. The person I spoke to was XXXX ( who would not provide his last name ). Her told me he had no idea who it was that I spoke, but finally admitted that the name is XXXX but refused to provide that last name as well. XXXX has arranged to send copies of the XXXX claims filed by the clinic in XX/XX/XXXX which are close to {$200.00} total. I visited XXXX doctors at the clinic in XX/XX/XXXX and also had regular XXXX because I am on XXXX & XXXX.
12/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85282	Web
Synerprise initially contacted me by phone on XX/XX/XXXX. I verbally received some verifying information, but was also told verbally that it was not validation. I verbally disputed the debt and requested validation be sent. On XX/XX/XXXX after receiving no further contact, I called to once more request validation and was told a letter had been sent the previous Wednesday ( XX/XX/XXXX ). I had not received it by XX/XX/XXXX, and so sent a letter disputing the debt and requesting full verification compliant to the Fair Debt Collection Practices Act, 15 USC 1692g. The aforementioned letter did happen arrive the next day, but it was in actuality a bill without even the required validation information on how to dispute the debt or warning that that it would be assumed as valid if not disputed within 30 days. I received a response to my request on XX/XX/XXXX, but it contained identical if not less information than the previous letter. The only acknowledgement of my request were the lines : Please be advised that in response to your dispute and request for verification, has investigated this matter. [ sic ] We have verified that the total amount owed is accurate. which clearly does not qualify as sending me verification of the debt. I have received no further contact from Synerprise, including attempts to collect the debt. This is fitting, as they have not sent me the validating information that would be required to continue attempting to collect. They have, however, reported the debt as delinquent to all three major credit bureaus, which is an unfair practice given that they still have not verified it.
05/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 751XX	Web
On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to Synerprise Consulting Services requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. Synerprise has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by Synerprise, XXXX, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75002	Web
Im writing this complaint is regarding a collection that has been added to my credit and I have been working with a representation name XXXX since XXXX. This is so unfair. I been provided wrong information and now this is effecting my life. Your company has added this collection to my account wrongfully. I have been working with XXXX since XXXX faithful every month. I would also like to point out that XXXX is a wonderful friendly person as well but I was advised that as long as I made a payment of the {$15.00} every month that the account wouldnt be added to my credit. When I seen it was reported on XX/XX/2018, I contacted XXXX and the only thing she could do was apologize to me. There were thing she told me that was the first time I heard any of them. We have spoken almost every single month since this was reported to your office. If I call and XXXX isnt available, I wait to talk to her because I love working with her. We have built a strong relationship. This collection has dropped my credit 40 point on XXXX, 25 on XXXX and Im not sure of XXXX because it hasnt been updated yet. I have held up my end of the agreement with XXXX to pay this balance and it isnt fair or right that your company isnt holding up theirs. Just like your company expects for a client to keep their word when they make promises to pay. Your company should keep the same trust to the client. The only thing I have had to go by was the word of your employee. I trusted your companys employee word. This account needs to be removed from my credit at once.
01/11/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77377	Web
This company information was given to by XXXX XXXX XXXX XXXX XXXX after I tried to resolve a debt. I was told by an XXXX XXXX XXXX XXXX XXXX associate that the company was " just like '' them and I could contact them to pay on the debt. I believed XXXX XXXX XXXX XXXX XXXX associate and I just wanted to settle the debt and move on from this. The experience with this company has been a nightmare to keep it mild, they initially called asking me to pay half the debt and I explain due to the pandemic my hours were reduce and I could not pay at that time. I was told I could pay online, in the month of XXXX I made a payment and again in XX/XX/2020. This company continues to call no manner what, I asked them to review my account which should show I am trying to pay on my debt I was told to place a credit card or checking account on file to stop the calls. I didn't feel that safe doing so because I know nothing about this company and I express that is poor customer service to contact me even when they have seen I paid a payment online. After researching this company they are NOT the same as XXXX XXXX XXXX XXXX XXXX associate and I have sent a certified letter requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. I have also sent a letter addressing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associate requesting they promptly rescind account information furnished to this company, Synerprise Consulting Service.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77084	Web
In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX and XXXX to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
07/26/2020	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	TX 775XX	Web
Dear XXXX : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. Synerprise Consulting in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. Synerprise, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. This is my last request to your company to follow the law and remove previously deleted account Synerprise Consulting as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League
09/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75034	Web
On XX/XX/2020, I received a notice from Synerprise Consulting Services that I owed a past due amount of {$620.00}. On XX/XX/2020, I sent a letter via certified USPS mail formally disputing the above claim, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Such validation should include my signature proving my contractual obligation to pay Synerprise Consulting Services. The company did not provide the requested information. On XX/XX/2020, I sent a letter via certified USPS mail requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Synerprise Consulting Services the alleged amount of {$620.00}. In addition, I requested the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' the alleged account and amount owed. As per FTC opinion letter from Attorney XXXX XXXX XXXX, I am aware that a printout of a bill or itemized document does not constitute verification. However, this is what I received as " proof '' of debt validation from Synerprise Consulting Services on XX/XX/2020. The listed item is inaccurate and incomplete, and represents a very serious error in its reporting.
02/20/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63121	Web
I am being harassed by Synerprise Consulting Service. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( XXXX ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from XXXX which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that Synerprise Consulting Services is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau XXXX is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.
03/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77056	Web
Synerprise Consulting Services is reporting a charge-off medical account on my credit report that I have no knowledge of. I consider this a case of Identity theft as XXXX breached my credit information and it only appeared after the breach. I have asked both Synerprise and XXXX multiple times to provide me detail about this account such as doctor name, full account details, medical documents with my signature, and most importantly a HIPAA release statement required by law. They have not been able to provide any paper trail leading to me to prove their case. They have only tried to verify the account using E-Oscar which has a legal history of being unreliable in court as verifying the debt. I have a right under Fair Credit Reporting and Fair Debt Collecting law to have inaccurate, unverfied information removed from my credit report. Under the FCRA, XXXX which breached my information to begin with, is required to provide me a method of verification within 15 days of my request and they have not done so. I need this account removed from my file immediately. Synerprise is violating my rights and damaging my credit, and XXXX is commiting willful non-compliance by not removing the information that can not be properly verified by any means other than electronic file with no backup documents or signatures.
05/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
In response to a notice I received via a posting on my credit report dated XX/XX/ from SYNERPRISE CONSULTING I sent a letter dated XXXX requesting that they provide me competent evidence that I have any legal obligation to pay them. Additionally I required them to meet specific outlined requests as to what the debt validation should include. I reminded them to be advised that this was not a refusal to pay if this alleged debt is legitimate, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I waited for 30 days and had not gotten a reply back yet. On XXXX I sent an additional letter referring to the previous letter and still have not gotten a response back. This company violated my rights, willfully and knowingly dishonored my presentments. They neglected me as if my communication meant nothing to them while still reporting negative items on my credit report which in turn caused me to have a higher interest rate on my home loan. These effects have future damages which all derive from their negligence and incompetence. I am of the opinion that this should be resolved by having SYNERPRISE CONSULTING delete my account along with all reports and records referencing my name.
03/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web
On or around XX/XX/XXXX, I received a letter of deletion from SYNERPRISE CONSULTING SVS INC stating the account isn't mine, and my credit file will reflect that. XX/XX/XXXX, the debt is reported on my credit file. I have called countless times to speak with a representative, however, no one answer my question of why the account is on my credit since I don't owe. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77406	Web
To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. Acct. XXXX XXXX XXXX XXXX late 30 days XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
03/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I have updated my personal information with XXXX the Credit Bureau constantly to make sure that if there is any debt in my name I am notified in a timely fashion. After paying for a membership to continuously monitor all activity in my credit reporting, I am seeing a company by the name of XXXX XXXX who is reporting a Medical account in Collections. The total amount is {$220.00}. I have XXXX XXXX XXXX XXXX and I also have XXXX XXXX as insurance companies. I am not aware of any service that I was treated for and resulted in a debt to any medical facility. I have not received any mail concerning this account or a phone call from the collections company who currently has the debt. The collections company is SYNERPRISE CONSULTIN XXXX XXXX XXXX, KS XXXX. I have tried to contact both companies so I can receive a letter of validation concerning the debt. I have had no luck in doing so. I am requesting proper notification as this account is now reporting as 2 years and 2 months old but it is the first time I have ever seen it in my credit history. Needless to say it is negatively affecting my credit worthiness as XXXX XXXX continues to report this debt. A debt that I have not been notified about.
04/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 774XX	Web
In review of my XXXX credit report on XX/XX/2023, I noticed a " collection '' account being reported by a company by the name of Synerprise. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. * Contract : provide me with a contract agreement between SYNERPRISE and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. * Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). * Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).
11/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
On XX/XX/2020, Synerprise Consulting XXXX INC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Synerprise Consulting did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Synerprise Consulting SBS INC has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving my permission to XXXX XXXX, for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me, but anything more is to only be revealed with patient 's authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.
11/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 42104	Web	Older American
I started receiving calls in the summer of XXXX for a XXXX XXXXXXXX bill from a XXXX I had in XXXX of XXXX. I was never sent the disputed bill ( {$920.00} ) and had paid all of the other bills related to this surgery. I asked the callers almost every time to send me proof of debt and they always refused, claiming I should have already have received a bill. I submitted a written request for proof of debt to the company through their on line consumer help website on XX/XX/XXXX. When I continued to receive calls about this disputed debt, I submitted a second on-line request on their consumer help portal on XX/XX/XXXX. I also mailed them a request for proof of debt on XX/XX/XXXX. I have had no reply to date, and I received a call from this debt collector on XX/XX/XXXX at approximately XXXX XXXX ( XXXX ) from the number XXXX. I told the caller that their company was in violation of the Fair Debt Collection Act and that they had never sent me proof of debt. The caller then hung up on me without further comment. The company address is as follows : SCS Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I was contacted today XX/XX/XXXX by Synerprise Consulting Services in regards to a medical debt that they claim that I owe in the amount of {$150.00} for XXXX services per the representative. I requested the dates and was told in XX/XX/XXXX. I advised the rep that I did not have any procedures done in XX/XX/XXXX and to please send me an itemized statement. I was provided an email address to email a supervisor my request. I sent an email 10 minutes later and called them back. The rep that answered then provided me with a website to pull the statement and he stated that the services were in XX/XX/XXXX. Again, no medical procedures in XX/XX/XXXX were completed. The statement is very vague and I was advise to contact XXXX to get more information. I have not received anything in the mail from this company or any valid information involving this alleged debt. This item is not reported on my credit report which has 0 collection items and I would like for this to be resolved asap, however, all the company wants me to do is blindly pay for something that they are not providing me sufficient information on to validate.
07/09/2015	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 75104	Web
I received a bill in XXXX year olds name for a surgery he had on XXXX/XXXX/2015. Im not sure how they put the bill in my sons name since im the person who filled out his paperwork. So I called them after getting the bill and informed them that my son is only XXXX and that they need to put the bill in my name. I gave them all my information and the collector said that she would remove XXXX name but she never did and I kept receiving collection calls for my son and each time they said they would correct the problem, In total I received XXXX calls for my son who by the laws in XXXX you can not collect or enter into a contract with a minor, So when they called today I talk to XXXX who ask to speak to my son and told me it was a personal business matter. I asked the name of the Company and yes you guess it XXXX. I then ask for the Manager ( XXXX ) and told her that I was going to file a complaint if they do n't correct the billing and she laughed and hungup in my face. I then called back and spoke to someone XXXX who said that she was correcting it. I then told her to send me a new bill showing the corrections
09/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85205	Web
I came across a collection account on my credit report. When I contacted the collection company they told me it was an anesthesia bill for a XXXX I had the previous year. I told them I was unaware I owed anything but I would contact the original creditor. When I asked why they didn't give me time to dispute and why I was unaware of the bill they said they were mailing letters to my old address. I haven't lived there for about 5 years and the collection company never called or even checked the credit bureau for an updated address before placing the account in the credit bureaus. Had they called I would have taken care of it before sending it to the credit bureau. I called the original creditor and immediately made the payment. I sent the collection agency proof of payment and they were mad because I didn't pay them. They are now saying it's going to take 30-45 days to clean up my credit. This is very unfair as I didn't know I even had this debt. I want it removed immediately and not as a paid collection but removed as it if never happened. This lowered my score XXXX points and I have excellent credit.
10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76227	Web
XXXX XXXX, Synerprise Consulting, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. Thank you for your time.
07/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
Back on XX/XX/XXXX I informed Synerprise that the account that was showing my credit report was not one that I acknowledge or knew of and that I needed all information. On XX/XX/XXXX Sypriseprise wrote back via CFPB portal informing that the account was being deleted from my credit report yet it is still there. However, after further investigation I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
11/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33713	Web	Servicemember
I was set up on a payment plan to have {$100.00} taken via ACH every two weeks. At the time that I made the payment arrangements I was told there were 5 debts in collections and the amount that I was paying was for the debt and collection fees. The debts that I agreed to pay were from XXXX, XXXX and XXXX. I did not authorize any other debt than these specific dates to be settled through the payment plan. I continued to pay the biweekly amount which was supposed to end on XX/XX/XXXX. Following XX/XX/XXXX, I noticed that there were additional payments withdrawn from my checking account past the agreed upon payment plan. A total of 3 extra payments were withdrawn. ( I filed a fraud charge with my bank and the 3 payments were reversed after investigation ). These debts despite being paid are still showing up on my XXXX credit report as being unpaid. I contacted the company and confirmed that the payments had been applied. Why is this debt not being reported as paid? I also asked for invoices for the collections and have yet to receive anything. They have my current address.
01/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75013	Web
There is a medical debt collector that is reporting from Synerprise Consulting/SCS, on a closed collection account. This company is apparently trying to collect an unknown and unverified medical bill that they are reporting on my credit profile without proper and legal verification that this is indeed my debt. I am concerned because I was married and had a few of my ex-husbands bills sent to me inaccurately after he refused to pay them. Since this is a medical related bill, I have requested to see documentation of the HIPPA release and medical services and dates rendered to simply verify that this account is valid. This company has failed numerous times to present this information. In fact, the matter was recently investigated by XXXX and the collection item listed from this company was immediately deleted as of XX/XX/2020. Synerprise Consulting/SCS has failed to reach out to me in writing as requested and they continue to report this erroneous information to damage my credit profile. Their accounting and medical collections practices should be investigated further.
05/22/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77340	Web	Servicemember
On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC. The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity. I have contacted Synerp rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.
12/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77070	Web
I have contacted Synerprise Consulting by phone on XX/XX/XXXX to resolve this matter. This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with XXXX, XXXX XXXX XXXX XXXX credit reporting agencies. This debt should have never been in collections with original creditor. Synerprise Consulting has been notified and it has not been taken off my credit report. The original creditor XXXX XXXX XXXX never submitted a claim to insurance for services rendered on XX/XX/XXXX at XXXX XXXX XXXX, XXXX, Texas. If they would have, the bill would have been covered 100 % as I did not have a deductible remaining. After contacting XXXX XXXX XXXX, they have charged the bill off siting their mistake and not submitting a claim to my insurance in a timely manner ( in accordance with Texas laws ). The collection by Synerprise Consulting should have never been put on my credit report and is now categorized as a charge off/collection '' which is negatively impacting my credit report and score.
05/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
This company is trying to collect {$170.00} and {$170.00} ( listed twice on my credit reports ) from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
11/28/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77056	Web
On XXXX I've filled a compliant against Synerprise Consulting Services regrading their violations of FDCPA and HIPPA. The case number is XXXX. Until today, Synerprise Consulting Services still unable to provide debt validation and a copy of my signature with XXXX XXXX to release my medical information to Synerprise Consulting Services. On XX/XX/XXXX, Synerprise Consulting Services did respond my compliant with CFPB, and agreed to remove and delete this collection from the three major credit bureaus. However, until today, Synerprise Consulting Services didn't make any requests to remove or delete this collection from any of the three major credit bureaus, instead of they made a new report to XXXX on XX/XX/XXXX regarding this collection. I demand that above-mentioned derogatory item be permanently removed from my report from all three major credit bureaus immediately. Otherwise, I will fill the case with XXXX XXXX small claim court and Federal court to seek damage from Synerprise Consulting Services.
12/19/2020	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 Problem with personal statement of dispute	OK 73160	Web
In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the Dr. related to this item on my credit report. I have instructed XXXX to provide the following link to explain my position and the truth of this fraud. This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. XXXX has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.
07/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75701	Web
I received a phone call on XX/XX/2021 from Synerprise Consulting that I owed a debt. I responded by stating I wanted all communication about said debt to be conducted via mail only. I then sent a letter to Synerprise Consulting requesting validation of debt and for a copy of documents or contract containing my signature be forwarded directly to me.I also sent a letter to XXXX Credit Bureau as well, who also stated the information was verified during investigation, XXXX also FAILED to send me any documentation of validation of said account. Synerprise Consulting responded with a letter on stating they investigated the account and had verified it. They still failed to send any documentation at all that I requested. I sent a second letter on XX/XX/2021 request the information that the company failed to provide to me from the initial letter. Synerprise again sent me a letter with no validation or documentation that the debt they are requesting me to pay is a valid debt that I owe.
06/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web	Servicemember
I spoke to this debt collector several times, each time I disagreed on the amount and requested for detailed invoice including payments made to the account. I never received the detailed invoice. I also spoke to the Creditor twice and requested for details but they asked me to contact Synerprise. On XX/XX/2020 ( letter dated XX/XX/XXXX ), I received a bill from Synerprise to pay the past due amount. On XX/XX/XXXX, I received a phone call from a Synerprise representative. Again, I told him that the amount was not correct and requested him to provide me detailed bill including payments on it. The representative was very rude and kept telling me to pay the incorrect amount. At that point, I told him that I will report him to an agency in Texas. THE NEXT THING I RECEIVED A NOTICE FROM CREDIT REPORTING AGENCY THAT SYNERPRISE HAS REPORTED THE COLLECTION AND MY CREDIT SCORE DROPPED BY 90 POINT. My student loan was denied due to having a collection in my credit report.
06/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 554XX	Web
On XX/XX/XXXX at XXXX XXXX, Synerprise Consulting Services called my phone number and asked me to pay {$2000.00} in medical debt. They claimed I had a service on XX/XX/XXXX and owed money. They were very stern and didn't provide a lot of information. When I asked what this was for, they could only tell me that I had debt from XXXX XXXX. I asked for their callback number. On XX/XX/XXXX at XXXX XXXX, I called Synerprise Consulting Services and asked what name was associated with my phone number. They told me it was my name, but it was not associated with my birthdate. Therefore, they said they had the wrong person. I asked how they obtained my phone number since the debt and services were not associated with me, and they said a third party service provided the number. It seems like it should be illegal for Synerprise to query a list of names and get phone numbers. The phone number should come from the medical provider of the original services.
06/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Synerprise Consulting. I reached out to this institution via phone # ( XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with Synerprise Consulting and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Synerprise Consulting. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
06/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77479	Web
SYNERPRISE CONSULTING is trying to collect {$9000.00} for a Medical Debt. I was not informed of back in XX/XX/XXXX for a medical debt for XXXX XXXX back in XXXX. They have included this collection in my credit report for 5 five years and have not given me an itemized list of the charges. I contacted the company several years ago to get information on this collection after finding out about this collection while setting up a saving account in XXXX, as seen is the attachments below. The agency did not give me any information other than the amount and where the collection come from. I did not get the right to dispute the charge or what are the charges. I was still not given any written information nor any type of bill about the charges after calling the agency. When I called in to the company, they asked if I would just like to pay it in full and I stated that I want written information about this debt.
07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75043	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 Synerprise consulting XXXX. 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. Please remove this collection from my credit report.
07/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48326	Web	Servicemember
XXXX companies put me in collection when I did n't owe them. I had surgery while in the military and had an XXXX surgery at a XXXX hospital a few days later when I was XXXX. The hospital messed up paperwork and I never got any bills then months later I was put into collection. After finding out I got my insurance to pay which they had no issue. The collection company has really impacted my credit score and I want them removed my my name! What can be done to resolve the last part of this. They made my credit go down almost XXXX points!!!! The XXXX companies are XXXX and XXXX, they were affiliated with a terrible hospital in XXXX XXXX Texas called XXXX. This hospital was horrible and as I was was XXXX, they never gave me an XXXX till XXXX hrs later just before surgery! And my wife was cleaning up the XXXX and taking care of me as the nurses and doctors did nothing!
08/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 756XX	Web
Synerprise consulting was paid on 2 seperate accounts in the amount of {$310.00} and {$110.00} for medical debts. They have not sent a statement showing balance was paid in full or had the colle tons removed from all three credit bureaus. I have called several times and they say they will send a billing statement and report to credit bureaus to have debts removed butits been months and its still in collections showing {$0.00} paid toward balance. These acct # XXXX for {$310.00} and acct : XXXX {$110.00}. By law as of XX/XX/2022 all paid medical debt has to be permanently deleted from all major credit bureaus. Synerprise Consulting has ignored my request but had no problem taking my money! I want this corrected immediately and my credit reports updated and a letter stating balances paid in full and colle tons removed permanently from all major credit bureaus.
11/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77578	Web
On XX/XX/2022 I received a collection letter from Synerprise Consulting in reference XXXX XXXX On XX/XX/2022 I sent a certified letter ( see attachment ) tracking # XXXX ( see attachment ) that was delivered to Synerprise Consulting on XX/XX/2022 disputing the collection. In XXXX of XXXX, I received a letter from Synerprise Consulting ( see attachment ) backdated to XX/XX/2022 providing no documentation yet claiming they had done an investigation and that their information was accurate. I requested validation of the debt, which they did not provide. On XX/XX/2022 I sent another certified letter ( see attachment ) tracking # XXXX ( see attachment ) that was delivered to Synerprise Consulting on XX/XX/2022 once again disputing the debt. On XX/XX/XXXX, I got a notification from XXXX XXXX that Synerprise Consulting had reported a collection to XXXX.
10/07/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85251	Web
I had XXXX ( XX/XX/XXXX ), where an XXXX XXXX XXXX XXXX was outsourced for the XXXX. I had never heard of the XXXX XXXX XXXX XXXX or agreed to work with them or had any idea thew would be present in my XXXX. In XX/XX/XXXX I got an alert on my credit motoring company that I had a bill in collections. XXXX XXXX XXXX XXXX had sold off debt for {$140.00} to a collections company called Synerprise, who also never contacted me.The issue I have is that XXXX XXXX XXXX XXXX NEVER once sent me a bill or contacted me. On their own they acquired a wrong address, sent one letter, and then sent me to collections. Their standard process is to send 3 letters. In any event, I contacted them and agree to pay if they would pull the claim to collections and the derogatory mark would be removed from my credit, and as of the past two weeks, it has not been adjusted.
07/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
On XX/XX/2020 I mailed a format letter to Synerprise Consulting Services as a result of mail I received regarding the following accounts : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX. {$310.00} XXXX XXXX XXXX XXXX {$60.00} In this letter, I requested that Synerprise provide COMPLETE information ( breakdown of fees including any collection costs and medical charges ) regarding each one of these debts listed above. On XX/XX/2020, I received a letter in the mail from Synerprise Consulting Services dated XX/XX/2020, advising that the total amount due is owed. I did not receive complete information ( breakdown of fees including any collection costs and medical charges ) as requested in my letter from XX/XX/2020. I have given this company well over 30 days to comply and therefore I request that they cease ALL collection attempts including the credit bureaus.
03/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77004	Web
The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). XXXX XXXX never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). XXXXXXXX XXXX needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). According to the attached XXXX mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.
05/15/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77004	Web
The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). XXXX XXXX never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). XXXX XXXX needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). According to the attached e mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.
02/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77479	Web
On XX/XX/2018 I had XXXX XXXX. In the process of doing so XXXX XXXX XXXX was engaged to do some XXXX test. They were paid as a out of network provider and are trying to claim I have additional obligations as they are trying to collect " balanced billings ''. I was explicit in my instruction to the hospital and to the medical personnel that no out of network providers are allowed to perform any testing or surgical procedures on me. 1- I never authorized XXXX XXXX XXXX to perform any tests. 2- XXXX XXXX XXXX are not affiliated with the XXXX Hospital- very deceptive. 2- The doctor was specifically told to not use any out of network providers- 3- XXXX XXXX has paid them their portion that the insurance company would normally pay. 4- XXXX XXXX XXXX has been non responsive 5 This is a billing issue between XXXX XXXX and XXXX XXXX XXXX
01/06/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
Synerprise Consulting applied an unsubstantiated and disputed derogatory account on my credit bureau file. The disputed derogatory account was never agreed to by me. I never signed any agreements to pay the account in question. I never signed or agreed to be the guarantor for the disputed account. Snyerprise Consulting never contacted me prior to reporting the account as mine. I never signed any promissory note for the referenced account. And as previously stated I never signed or agreed to be guarantor for the account. Snyerprise Consulting has not provided any documentation of proof that I agreed or signed for the account in question. I never opened the account in question. I never signed any documentation agreeing to the account. I never agreed or signed documentation making myself guarantor or responsible for the account.
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77061	Web
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76116	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... SYNERPRISE ( Original Creditor : XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75287	Web	Servicemember
I sent a Certified Letter to SYNERPRISE CONSULTING See Attached Letter Cert # XXXX XXXX XXXX XXXX XXXX I requested Validation of Debt in accordance with the law and formally disputed their claim. They DID NOT RESPOND, DID NOT CEASE AND DESIST AND DID NOT REMOVE THE ACCOUNT. In accordance with the Fair Credit Reporting Act. The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agency is volating my rights and costing me dearly.
03/15/2022	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 Investigation took more than 30 days	TX 75227	Web
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( SYNERPRISE CONSULTING ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from Original Creditor Name XXXX XXXX. I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
08/30/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 754XX	Web
Received a notification my credit rating dropped on XX/XX/2023. When checking, Synerprise Consulting hit my credit report with a collection. I called Synerprise Consulting and asked what this was about. The woman I spoke to said she would immediately send information and details of the alleged debt. No information has been shared and Synerprise Consulting has reported this negative collection again. I have sent Synerprise Consulting to the complaint department as well as disputed with all credit reporting companies. I have reviewed my Wife 's and my medical accounts, XXXX, XXXX, and doctor offices and no balances are outstanding nor sent to collections. This is a false reporting by Synerprise Consulting
07/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
This debt is from Synerprise Consulting Services, the original creditor XXXX XXXX. I have no knowledge of owing this amount of money ( {$450.00} ). I was not made known of this debt, and in regards to XXXX XXXX, there should be no outside lab contacting me. I was made verbally known by my doctor 's office over a year ago ( I don't have specific dates because I'm just as in the dark about this! ), " Not to worry, our office manager went over your insurance and you won't owe anything out of pocket ''. So putting two and two together, I'm assuming this is where it is coming from. Either way, I had NO idea about this, or even if it's actually mine ( as I'm having to only assume ).
05/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75013	Web
Synerprise Consulting Services have contacted me regarding a debt that they claim I owe. I responded back with a certified letter stating that they need to either send me an original receipt or detailed documents containing the description in order for me to know for sure that this debt belongs to me. Repeatedly they send me back a simple response that they have verified the debt internally without proving me with further proof. I don't believe this debt belongs to me so if they are unable or unwilling to provide me with proof I believe that it is only fair for me to ask them to remove my debt from their account and to remove any negative reporting to the credit bureaus.
04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	TX 75071	Web
hi, My name is XXXX XXXX and I want to complain about a matter handled by synerprise debt collection.I paid the debt and they said that they will issue me the credit deletion letter.This was about a month back.The lady at the customer services desk got my email and told me to give her her the security PIN to open the email attachment which she will send at my email.It never happened! Despite my repeated reminders and requests, synerprise will tell me that I willreceive the credit deletion letter within two days .Its been over a month now and I haven't received the credit deletion letter. Please look into the matter and get it resolved ASAP! My Cell # is XXXX XXXX XXXX
03/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 757XX	Web
Synerprise has been reporting a fraudulent collection on my credit reports. I only found out about this collection from reviewing my credit reports. Synerprise continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the TX Attorney General, the XXXX and the KS Attorney General. The account number listed on my Equifax report is XXXX. The last XXXX numbers have XXXX 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & KS Attorney General offices. I also plan to file complaints against XXXX for ethics violations with XXXX XXXX.
11/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85338	Web
I received phone calls that were claimed to be an attempt to collect of an outstand bill from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. I stated that if this were an actual debt please send me ans invoice or bill so I could take care of it. They insisted that I pay over the phone with a credit card then and now or they would turn me over to collections. I never received a bill or invoice. Now my account has been turned over to collections and I do not believe this was a accurate way to do business. There are multiple complaints and issues with this company filed in XXXX reviews of their unfair business practices.
04/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
SYNERPRISE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
05/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76548	Web	Servicemember
On XX/XX/2020. I checked my credit and found a collection debt of $ XXXX wasn't mine. I called the collection agency ( Synerprise Consulting Services ) and explained to them that the debt wasn't mine and I don't live where the fraud took place. I ask them to verify my Social Security Number, but they couldn't. They only have my name and date of Birth. I even tried to get information for a police report, but the companies are giving me the run around. The collection came from XXXX XXXX XXXX in XXXX Texas. I live XXXX hours from there. They can't provide me an address where the transaction took place so I can file a police report.
06/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75052	Web
In review of my XXXX and XXXX credit reports I noticed a collection account for some type of medical claim on there. I do not know who this company is nor have I had any medical treatment. I contacted both XXXX and XXXX and reported identity theft on my credit files and placed a " fraud alert '' on my credit files. There are things still being reported that I have not clue about. Furthermore, I know about the new Fair Debt Collection Practice Act Regulation F law about reporting collections without notifying the consumer. No one has ever contacted me, nor have I received any communications in regards to this matter.
05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75214	Web
Synerprise is attempting to collection on a debt now owed. The XXXX XXXX were not provided to the patient. Synerprise has failed to properly validate amounts owed. In any any event, there is no charge-off. Synerprise responded to a prior complaint by pretending that it had no knowledge of the complaint. This practice is INTENTIONALLY DECEPTIVE AND MISLEADING. Reference information for the collection is contained in the attachment. If the collection account is not immediately removed, complaints will be filed with the Texas Attorney General in a class action manner. You may contact counsel at XXXX or XXXX.
03/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78621	Web	Servicemember
I was involved in a motor vehicle accident on XX/XX/XXXX when a young lad hit me from behind while I was in my pick up truck. It caused XXXX XXXX XXXX and I ended up having XXXX on XX/XX/XXXX. My XXXX XXXX coverage deductible of {$5000.00} was paid and after the XXXX I received an invoice from XXXX XXXX saying I owed them over {$3000.00}. I was told my deductibles were covered and I was not going to pay anything out of pocket. They have since sent this invoice to collections and it has affected my credit. I asked them to provide proof that I signed for the ir services but they have not yet done so. Please assit.
10/15/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77303	Web	Servicemember
The debt collector did not send me a debt validation letter- to include the amount of debt, name of original creditor, and statement regarding the right to dispute the debt, and to obtain the validation of debt. The debt collector calls from a number that comes up " Private Number, '' " Unknown, '' " Out of Area, '' or " Restricted, '' on my caller ID. The debt collector calls and does not leave messages Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75028	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
03/23/2021	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 75254	Web
It had previously come to my attention that Synerprise Consulting Services posted an adverse entry on my credit report, with a case opening date in XXXX. I checked my credit report a few months later, and Synerprise Consulting Services had unlawfully changed their case opening date to XXXX, so that the entry would remain on my credit report until XXXX. I have written to them about this, asking that they remove the entry, but they simply re-reported the invalid date to the credit reporting companies. I have never received any documentation about the disputed amount, and have no idea what it is for.
04/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76126	Web	Servicemember
Received a letter from Synerprise Consulting Service, Inc ( reference number XXXX ) stating they are a debt collector attempting to collect {$48.00} from a procedure at XXXX XXXX I had on XX/XX/22. I did not have any kind of labs/procedure on that date. I have called 6 different numbers attempting to locate anyone who knows anything about this service. Absolutely no one can tell me and sends me onto another number. I have XXXX and XXXX XXXX XXXX XXXX as my insurance coverage. I never receive an invoice on anything. Whatre XXXX doesnt cover, XXXX XXXX XXXX.
06/03/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77095	Web
I have been receiving debt collector calls from SYNERPRISE CONSULTING SVS for months now and for a while it was routine to get a phone call every morning around XXXX XXXX. But now I receive calls at random times and I do not answer them so I always receive a 6 second voicemail where nothing is said. Often times when I answer, it is that same silence and then the phone hangs up. They often called every day of the week with sometimes missing a couple or few days in between calls.They also change what number the call from every couple of months.
08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web
OnXX/XX/XXXX, I got an alert stating that XXXX has a potentially negative unpaid balance from Synerprise Consulting Service for {$630.00}. Ive never heard of or received any type of communication from Synerprise Consulting Serv. Incidentally, XXXX wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recentXX/XX/XXXX database breach of id theft, which exposed millions of Americans. I dont know whats going on at XXXX. Every time I try to get a credit report, XXXX doesnt know WHO I am.
01/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
04/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 751XX	Web
SYNERPRISE a debt collector has reported a medical bill on my credit report for {$500.00}. This debt collector never contacted me to provide proof this bill belongs to me. I have worked hard to be a responsible person. I had an XXXX credit score. My score dropped 50 to 80 points for a {$500.00} medical bill, this is unreasonable. I can pay off a {$5000.00} credit card and will not receive an increase of 50 to 80 points on my credit report. Why should a medical bill adversely affect a person credit report score? XXXX XXXX
03/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95361	Web	Older American
I called Synergy Consulting Services and explained that this should have been paid by XXXX and or 2nd Ins. and they said they couldn't do anything except to collect from me as it was now in collections. I called the XXXX XXXX that sent the bill to them and they said it was sent in error. It took many phone calls to follow up, making sure the account was cleared but in the mean time they reported it to the credit bureau and won't send a letter withdraw the derogatory statement or put send a letter explaining it was an error.
07/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AR 724XX	Web
My XXXX credit report indicates that Synerprise ( a collection agency ) reports that I have a {$300.00} in collections. XXXX reports that I do not owe this Bill. My insurance provider XXXX XXXX XXXX reports that I do not owe this bill. XXXX XXXX ( original creditor ) reported that the billing was in error and that I am not liable for the bill. I have been trying to get this matter cleared up since XXXX 2015. The erroneous information reported by Synerprise to the Credit Bureau is having an adverse effect on my credit score.
01/12/2023	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	MO 63010	Web
I a few problems! First one is that Ive had three wallets stolen over the past ten years and my SS card and copy of my birth certificate was in them every time!! That being said there are some things on my credit report that my name and address are not correct so it was not me and my address is wrong so Im trying to get these problems solved before the problem gets worse!! And do to these problems my credit is not good and Im trying to repair it so I can buy a home! So if you could help me I would appreciate it very much
11/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76134	Web
I was a victim of identity theft and noticed a collection from SYNERPRISE CONSULTING SVS INC -XXXX, Get more information on collections acco I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise Consulting in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
09/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75204	Web
I have an explanation of benefits from my health insurance provider showing this was paid in full - there was nothing due by me the patient. Synerprise Consulting is stating they were sent the information from XXXX XXXX XXXX and have no further details of my insurance information. I called XXXX XXXX XXXX and they said it is now with collections and they can't do anything. It is fraud - XXXX has been fully paid by my insurance provider and this credit collection is incorrect and needs to be removed at once.
02/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 630XX	Web
Was contacted by this company one year after visit to hospital from an accident. Hospital bill was covered and when sent a single statement in return I sent a letter and filled out the information for my insurance XX/XX/2019. During three phone calls I was told that they did not receive the information. I asked all three times for a new statement which they said that they would just wait twice, the third time I was directed to a website and told I could submit my insurance information there which was untrue.
03/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 953XX	Web	Servicemember
Collection agency has failed to remove the debt from my credit report after I paid in full. Collection agency representative can not give me a date as to when it will be removed. Agency representative said it was " a good thing I called or it would have just sat here with a XXXX balance, if I want it removed I can go ahead and have the credit company call them ''. Company never informed me of intention to report to credit agency. This has all happened during COVID when finances have been at their worst.
10/08/2021	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 77033	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
03/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77019	Web
I have never been a patient or used the services of XXXX XXXX XXXX ( XXXX ) XXXX. However, the company has sent an account that does not belong to me to a collections company named SYNERPRISE CONSULTING. The collection company has since reported to the credit bureau that I have an outstanding debt and it appears on my report as a negative account which is causing a denial of credit. I have contacted both the clinic and collection company demanded to have the account removed from my report.
01/11/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75150	Web	Older American
This company has been sending documents to me that owe for this medical bill. I do not owe the bill because I am a member of the XXXX XXXX XXXX so I should not have a bill. I wish you would help me take care of this matter. The XXXX occurred in 2021. The bill should have been paid in full by the hospital. Reference # XXXX. The XXXX XXXX XXXX # XXXX. I have requested a letter stating that 100 % of any XXXX is paid for 100 %. They will submit this information to my credit report.
02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75060	Web
I was a victim of identity theft and noticed a collection from Synerprise consulting services I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise consulting services in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/07/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 77338	Web	Servicemember
Account was deleted XX/XX/XXXX in a dispute and they are still calling me being rude, using profanity language and calling. My job threatened to have police arrest me. And decreased my credit score by 23pts Creditor info. 1. XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX 2. Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Account information disputed by consumer
04/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I noticed on my credit report that I had a collection added from the company XXXX XXXX XXXX XXXX. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I saw on my credit report that it comes from a company called Synerprise Consulting Se and they haven't reached out to me or sent me any type of notification regarding this claim.
01/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76131	Web
I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$460.00}
01/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60532	Web
On XX/XX/2022, I paid {$2300.00} to Synerprise Consulting to settle two collections debts on my credit report originating from XXXX XXXX XXXX. I was told by the creditor this satisfied the debts in full and that both items would be completely deleted from my credit report. I have proof from my bank statements showing I paid these debts. Both items are still showing unpaid, and both items are still on my credit reports.
03/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75069	Web
I sent a request for validation for the debt they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the President of the company XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to.
10/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OK 73071	Web
On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.
02/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 850XX	Web
XXXX XXXX of Arizona, by way of their collection agency Synerprise Consulting, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with XXXX twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.
07/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web
This company has repeatedly called and left numerous messages even after I communicated that I do not owe this debt. It is a medical debt and I never gave them permission to access or discuss my medical information and is a violation of HIPPA. I have ask the company to validate the debt and provide me with a contract between myself and this collection agency and to date I have not received anything.
06/23/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 75051	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
09/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75078	Web
Received a call from SCS Webpay https : //www.synerpriseconsulting.com on XX/XX/XXXX for a medical bill from XX/XX/XXXX for {$95.00}. They refuse to disclose any information regarding this debt other than that I owed it. They refused to send me notice in writing or give me a chance to dispute the debt. They refused to give any type of debt verification. They were also rude and unprofessional.
12/10/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77459	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/10/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77459	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/01/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71112	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
10/10/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75224	Web
I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.
06/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web	Servicemember
contacted the company and explained it was not my debt and they agreed and said that they would make note and that I should dispute with bureau. I disputed and it still appears on credit. so they lied and numerous attempts to contact again I get hung up on and speak to rude people. Obviously there is fraudulent business going on and I need answers. please help!
08/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 759XX	Web
I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! and the bills are just less than {$100.00}!!!
01/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70570	Web
I have been a victim of identity theft, Im assuming it was due to the data breach XXXX had recently.. Now my information is being used. I Have a collection from Synerprise Consulting ( XXXX XXXX XXXX ), and a hard inquiry from XXXX XXXX had given me the run around for months now. I am preparing to take them to court if this does not get resolved soon..
08/11/2021	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	TX 75081	Web
Synerprise Consulting Svs is in violation of my privacy rights under HIPPA Law. I have continuously asked Synerprise Consulting Sv to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
07/20/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency. This is showing on my credit report 3 times.
06/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web
Synerprise consulting is attempting to collect a medical debt that states I went to XXXX XXXX XXXX in XX/XX/XXXX. I didnt go to a urgent care facility in XXXX, let alone in XX/XX/XXXX. I moved to XXXX Texas in XX/XX/XXXX which is near XXXX TX. XXXX XXXX XXXX is in XXXX TX which is near XXXX TX and a 4 hour travel distance. This is fraudulent
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75159	Web
I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.
10/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79912	Web
I have documentation that I can fax or upload to you. Also, the XXXX businesses that I have dealing with ( XXXX XXXX, XXXX, and Synerprise Consulting ) have all verified that the XXXX HAS been paid. This can potentially cost me thousands of dollars with a mistake that was not mine. Please help. Nobody can explain.
08/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
05/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75034	Web
They did report my debt to credit Bureaus without investigation, It made horrible impact in my credit history and I lost loan that I was working for while! They found out amount of debt was not correct!! So they changed bill but they never send me new bill until XX/XX/XXXX and I paid same date
05/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web
XX/XX/XXXX Acct # XXXX XXXX XXXX I received a XXXX XX/XX/XXXX I received a text stating that I owed {$720.00} with an acct # XXXX from Synerprise Consulting Services. Currently and at the time of service my private insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76179	Web
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.
05/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79930	Web	Servicemember
Im a 20 year XXXX veteran. All my medical is covered because of my service to my country. I only have to pay a co pay. I have sent a letter to this company when they first opened the collection. I have not received a response from them to take said debt off my credit report.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75044	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
12/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84047	Web	Servicemember
I have a collection report on my credit for XXXX XXXX in the amount of {$290.00} I do not remember this doctor but would have used my insurance to have labs done. Please send a copy of the labs I am being charged for so this can be cleared off my account
07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77092	Web
I spoke to them and told them i paid off but they keep try to charge more and we had worked out a deal if i paid what i paid it would be closed but they are just greedy and keep wonting more and more and i told them every time they call they are paid off
04/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75044	Web
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report
01/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75052	Web
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC
02/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 279XX	Web
Called the company twice in the last 60 days to try to verify debt, asked for copy of statements from original creditor and a financial breakdown of debt owed. Nothing has been mailed to me, I have also attempted to dispute with credit bureau.
03/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 752XX	Web
During my XXXX I was insured by medicaid. I was under the impression that medicaid would cover all cost. When i called the collection agency they mentioned to me that this debt could have been from the XXXX/XXXX that was given to me.
11/17/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76092	Web
This collection company has the wrong number. I've requested SCS to remove my number from their system. Today is Saturday XX/XX/18 and SCS is still actively calling my cell phone. This people are calling me on a daily basis.
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78640	Web
Synerprise Consulting shows on my credit report as a debt collector, however I havent done any business with this company. States its a medical bill collection, which I did not authorize to be released. Amount is {$570.00}
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76028	Web
They keep reporting to the credit bureau but I do not owe that amount that is shown its over XXXX, my names are also incorrect on my credit report. Multiple closed accounts that need to be removed off of my credit report
11/21/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77070	Web
Medical bill - violating HIPAA laws. Damage done to my credit. Per consumer laws and new Covit-19 related laws this debt should not be listed on my 3 credit bureau reports . Violation of my rights.
04/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web
I am a victim of identity theft. I have tried to explain to the consumers that I have been having issues with the theft reporting and the Data Breaches I have been involved with from XXXX and XXXX.
10/22/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 751XX	Web
I tried making a payment plan with XXXX XXXX XXXX and they were supposed to take {$200.00} a month to pay off the medical expenses and they didnt follow through with it, so went into collections.
02/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77407	Web
Credit report showed {$180.00} from Synerprise and I didnt receive any notification about this debt or 30 days to report. The debt has been paid as its medical once I saw it on my credit.
01/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63121	Web
This company came up on my credit report. Then I received a letter from this company in XX/XX/2018 after it was noticed on my credit report.I have no contract with this said creditor.
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76082	Web
Medical debt collection under {$500.00} still reporting to my credit. Per new laws as of 2023 all medical collection account under {$500.00} should be removed from credit reports.
01/15/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75023	Web
I did not own a social security number in the date this medical bill was issue how they charge me something it does not belong to me for years and it is lower my credit score.
03/28/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77535	Web
On monday, XX/XX/2022, at XXXX pm they called me from XXXX Called and my mother answered. They did not verify her and assumed she was me and gave debt collector disclosures.
02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
SYNERPRISE is claiming that I owe them {$410.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76123	Web
This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all XXXX agencies.
03/23/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85050	Web
Synerprise consulting XXXX. Refuses to remove collections From credit report Although the debt statue in Texas is 4 years. Threatening to my wife while I was in XXXX.
08/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 770XX	Web
I had a payment plan that was automatically deducted every month and was paid in full. But I am not getting debt collectors calling and mailing that it is still owed.
01/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78045	Web
synerprise has XXXX open accounts since XX/XX/2010. XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. I have already paid to the hospital.
12/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63137	Web
This company appeared on my credit report out of nowhere ... Never heard of this company before ... Don't have any idea about the amount they claim owed ...
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77545	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85008	Web
I've been trying to apply for apartments due to damage to my credit I've been denied. According 15 USC 1681 law this is a defamation of my character.
10/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79707	Web
I have requested twice to have this debt properly validated and this company has refused. I have not been shown proof that I owe this medical debt
11/25/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63385	Web
HAVE TRIED TO GET A VERIFICATION AND A VALIDATION OF DEBT ... ... THEY HAVE REPORTED DEBTS TO CREDIT AGENCIES THAT HAVE CAUSED ME FINANCIAL HARM.
12/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 773XX	Web
I have disputed this several times and heard nothing back after first seeing it on my credit file. Please help this is unknown and I do not owe
11/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76111	Web
I have not received any information about this debt from any creditor nor the debt collector. I only became aware of this debt through XXXX
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
SYNERPRISE is claiming that I owe them {$96.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
08/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75063	Web
{$2000.00} in collections debt with Synerprise Consulting XXXX from XXXX XXXX XXXX. All medical bills were paid upfront or by insurance.
07/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78045	Web
Charges were already dropped and are reflected by XXXX but are not updated with XXXX. I demand this charges to be dropped. Thanks a lot.
01/25/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.
10/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85339	Web
This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report
06/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76134	Web
On XX/XX/2015 XXXX XXXX filed on my credit that I owe them {$85.00} I do not. I have never done business with the company.
05/25/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 754XX	Web
On my credit report it pop out a XXXX amount debt and I dont recognize from where and it affect to my credit score
11/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76244	Web
Noticed on credit report XX/XX/2021 disputed with the company and resolved but still reporting {$190.00}
04/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75232	Web
COLLECTION COMPANY SYNERPRISE CONSULTING Account number XXXX REASON : THIS ACCOUNT DOES NOT BELONG TO ME
01/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 773XX	Web
I haven't received any notice. I would have paid this in full before it was posted on my credit report.
10/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77089	Web
I do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.
05/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75070	Web
snerprise consultants listed a XXXX bill on my credit report. I dont know what it is
12/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75089	Web
{$100.00} being reported as delinquent when I didnt contract with this agency.
12/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75089	Web
{$95.00} being reported as delinquent when I didnt contract with this agency.
02/08/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 76063	Web
They will not stop calling. Even after repeated times through out the day.
12/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76105	Web
This popped up on my credit today. It is not a medical bill I owe at all.
05/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76240	Web
The debt in hand is duplicated and should 've been covered by insurance.
04/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76053	Web
XXXX XXXX, amount XXXX name XXXX XXXX XXXX this report is not my
09/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web
SYNERPRISE CONSULTING ACCOUNT # XXXX {$2300.00} UNVERIFIED ACCOUNT
09/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 734XX	Web
No contract with this agency. I do not owe this debt.
05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75214	Web
Bill is incorrect and for services not provided.
12/03/2022	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 77429	Web
never received anything from them
01/28/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 317XX	Web

01/25/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78734	Web

01/24/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77578	Web

01/21/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web

01/19/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77072	Web

01/16/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75013	Web	Servicemember

01/13/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75013	Web	Servicemember

12/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78233	Web

12/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78641	Web

12/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75028	Web

12/16/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77015	Web

11/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20723	Web

11/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77498	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

09/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85295	Web

08/26/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77459	Web

08/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31701	Web

08/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

08/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77008	Web	Servicemember

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77096	Web

07/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75034	Web

07/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78626	Web

06/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

06/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web

06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75141	Web

06/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78132	Web

05/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85225	Web

05/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77042	Web

05/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78626	Web

04/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77004	Web

03/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84020	Web

02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76244	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75033	Web

02/14/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75009	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

01/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77389	Web

12/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web

12/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75062	Web

12/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75062	Web

12/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77545	Web

11/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75142	Web	Older American

11/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

11/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77056	Web

10/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77053	Web

10/04/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77346	Web

09/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

09/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76133	Web

09/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

09/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30094	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 757XX	Web

08/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76133	Web

08/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76177	Web

08/02/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75252	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web

07/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75253	Phone

07/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

06/22/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75098	Web

06/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79415	Web

06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00923	Web

06/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76053	Web

05/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76123	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75252	Web

05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79401	Phone

05/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85008	Web

04/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79701	Web

04/22/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77507	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75640	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web

02/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78942	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77031	Web

01/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75052	Web

01/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79423	Web

01/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79423	Web

01/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79423	Web

01/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web

01/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75601	Web

01/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

12/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75287	Web

12/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78942	Web

12/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76036	Web

11/24/2021	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 73132	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	Web

11/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75050	Web

11/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75088	Web

10/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

09/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77095	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75226	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77539	Web

08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77080	Web

07/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

07/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

06/30/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78840	Web

06/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30134	Web

06/11/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TN 37074	Web

06/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77082	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77067	Web

05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76051	Web

05/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77471	Web

05/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79915	Web	Servicemember

04/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76052	Web

04/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 14812	Web

04/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79762	Web

04/15/2021	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 Their investigation did not fix an error on your report	TX 75228	Web

04/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

04/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web

04/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77407	Web

03/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77493	Web

03/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77036	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77038	Web

02/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77365	Web

02/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75603	Web

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75033	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75033	Web

02/02/2021	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 75287	Web

02/01/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75204	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75019	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web

01/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77380	Web

12/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32819	Web	Servicemember

11/29/2020	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	TX 77429	Web

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Fax

10/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77327	Web

10/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77030	Web

10/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76107	Web

10/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85013	Web

10/03/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85013	Web

09/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76034	Web	Servicemember

09/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

08/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

08/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77363	Web

08/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75039	Web	Servicemember

08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79423	Web

07/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75134	Web

07/30/2020	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 77489	Web

07/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77380	Web

06/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80237	Web	Servicemember

05/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77004	Web

04/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76133	Fax

04/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79701	Web

04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Phone

04/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76262	Web

04/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75227	Web

03/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78660	Web

03/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77060	Web

02/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76028	Web	Servicemember

02/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

02/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77901	Web

02/21/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75044	Web

02/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71834	Web

01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78412	Web

01/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web

12/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80237	Web	Servicemember

11/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71834	Web

11/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71834	Web

11/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75071	Web

10/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63026	Web	Servicemember

09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75901	Phone

09/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75009	Web

08/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77642	Web

07/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75038	Web	Servicemember

07/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63136	Postal mail

06/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75033	Referral

04/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web

03/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76002	Phone

01/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75056	Postal mail

12/26/2018	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	TX 79702	Web

12/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75218	Web

12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63147	Phone

12/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75010	Web

11/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75007	Web

11/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85295	Web

09/18/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75233	Web

08/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

07/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76133	Web

07/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75048	Web

07/05/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77406	Web

07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77406	Web

06/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75067	Web

05/31/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

05/22/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77489	Web

05/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76133	Web

04/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

03/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77041	Referral

03/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73018	Phone

03/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75150	Web	Older American

03/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75069	Web

03/13/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77377	Web

03/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

02/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75006	Web

01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75137	Postal mail

01/26/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75228	Web

01/11/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 76106	Web

12/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77504	Referral

12/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73068	Web	Servicemember

12/06/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75093	Web

11/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78741	Web

11/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76244	Web

10/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

08/21/2017	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 Problem with personal statement of dispute	TX 75231	Web

11/22/2016	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	TX 75035	Web

10/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76028	Web

10/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76227	Web

10/04/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TX 75432	Web

08/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77038	Web	Servicemember

04/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32137	Web

02/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73159	Web	Servicemember

01/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76065	Web

01/04/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 77446	Web

09/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 77581	Phone

06/18/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75080	Web

03/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75010	Web

03/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 16830	Web

02/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75472	Web	Older American, Servicemember

11/29/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 31705	Web

08/07/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MO 63051	Web

07/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60031	Web

07/10/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76067	Web

04/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75181	Web

04/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76148	Web

04/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63042	Referral

01/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75093	Web

01/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77563	Web

01/07/2014	No	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76201	Web

12/19/2013	No	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 75228	Web

10/17/2013	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37066	Web

07/21/2013	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77535	Web

07/11/2013	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76110	Web