The Best Service Co.,Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91786	Web	Servicemember
The original creditor was XXXX XXXX XXXX XXXX. A dispute was sent XX/XX/2019 requesting a block due to the fact that this account was originated Fraudulently. XXXX XXXX XXXX XXXX did not contest our request for the block to be resent. XXXX XXXX did not conduct a fraud investigation into the accusations requested by the consumer through the credit reporting agency. From that point the block is initiated and the count was removed from XXXX on the consumers credit report. Violation one, the reselling or purchasing of a fraudulent account. XXXX XXXX XXXX XXXX, knowing that this account was investigated as fraud, violating fair credit reporting act and the fair debit collection practices act as well as the consumer privacy protection act : By knowingly selling a fraudulent account to a collection agency to collect. Since the collection agency has validated that they have purchased this debt, this means that XXXX XXXX XXXX XXXX sold a fraudulent account to the collection agency to collect on. The company who receive this debt best service his company, has had numerous accounts with my name in their system that have been removed due to fraud. So this company is no stranger to the ongoing fraud issues that persist on my file. But this company violated my rights by placing this item back onto the credit report without giving the consumer notification of the debt and 30 days to respond validating the debt or explaining that the debt is a fraudulent account. Because this procedure wasnt followed the consumer had to suffer the reinsertion of a fraudulent account on his credit report which significantly dropped his score and placed a hardship on the consumer. Violations committed : Section 809 validation of debts : Within five days after the initial communication with the consumer and connection with the collection of any debt a debt collector shower, unless the following information is contained in the initial communication or the consumer has paid the debt send a consumer a written notice containing ( 3 ). A statement that unless the consumer within 30 days after receipt of this notice disputes the validity of the debt or any portion therefore, The debt will be assumed to be valid by the debt collector. Response : The collection agency had the correct information to contact and notify the consumer. Because they were in possession of this debt, they have access to information from the credit for an AC which will give them accurate on time personal addresses and phone numbers to where this collection agency couldve contacted the consumer. Collection agency did not want to contact the consumer and by doing so deprived the consumer of this section. It was Sumer was notified in writing went three major credit reporting agencies requested that this information be blocked due to fraud. 611. Procedure in case of disputed accuracy 15 U.S.C.section 1681I Subsection be requirements are related to reinsertion a previously deleted material. ( I ). Certification of accuracy of information. If any information is delete it from a consumers file pursuant to subsection A, the information may not be reasserted in the file by the consumer reporting agency unless the person who furnish the information certifies that the information is complete and accurate. Best service company never certified the insertion of this information. They also never conducted an investigation into this account because this account was sold fraudulently. It was a fraudulent account that should have never been purchased from XXXX XXXX XXXX XXXX XXXX. Which verifies that XXXX XXXX violated the fair credit reporting act as well as the fair debt collection practices act. This service company holds multiple faults. The first is the reinsertion of this information without properly notifying the consumer of your possession of this account. As it states, the consumer will be notified of the account within five business days of you receiving it. After that, the consumer be allowed 30 days before any action is taken to report on the credit report reasonable time to respond. 30 days I believe is the correct time. Because best service company deprive the consumer of this right, the information was fast tracked to be reported to the credit report which intern damage the consumer.
10/30/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92604	Web
The Best Service Company is reporting a debt with XXXX XXXX XXXX XXXX XXXX. To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for The XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards, XXXX XXXX cc Federal Trade Commission
01/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94607	Web	Servicemember
I possess accounts with XXXX banks : XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX is my everyday account while, XXXX was used for the purpose of my car payment. My complaint is directed to XXXX XXXX XXXX XXXX. I am writing this complaint because XXXX XXXX XXXX XXXX has failed to diligently investigate fraud on my account and is forcing me to either : pay a debt that is not mine or default on this debt. Notably, as of a result this failure, they claim I owe them {$300.00}. The alleged debt stems from XXXX withdrawals. XXXX made on XX/XX/XXXX, in the amount of XXXX. The second withdrawal from XX/XX/XXXX, in the amount of XXXX. Lastly, a XXXX withdrawal made on XX/XX/XXXX, in the amount of {$170.00}. I. No account activity from XXXX since late XXXX XXXX to these alleged debt, there is no account activity, in my account, since late XXXX. I opened the XXXX to pay my car payment. XXXX possessed my car loan. After my car was totaled in late XXXX, the car was paid off. There must have been a few dollars left over in the account, but nothing over {$20.00}. Importantly, XXXX XXXX is the account I use everyday. I pay my rent through XXXX XXXX. I receive my financial aid through XXXX XXXX. When I worked a summer internship, my pay went into my XXXX XXXX account. I do not use my XXXX account for everyday purchases. Given that, the account has not been used by me since late XXXX. XXXX. XX/XX/XXXX XX/XX/XXXX During this time I was studying for my law schools exam. I live in XXXX, California. I attend XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There is a XXXX XXXX XXXX adjacent to XXXX XXXX XXXX XXXX XXXX XXXX. There is several banks in XXXX. Given that money XXXX XXXX is my everyday bank, there is no reason for me to even take out money at a shell. In addition, I do not go out for finals exams week so, there was no reason for me to be at a XXXX in XXXX XXXX for XXXX consecutive dayswithdrawing/spending money XXXX. XXXX XXXX It is substantial that during XXXX of XXXX, my account has a balance of {$10.00}. There we no deposits nor transfer. Then on XX/XX/XXXX, my card was used at a XXXX, in XXXX XXXX, as a debit transaction, for $ XXXX though the account only had {$10.00}. As a result, the account went negative. Then the following day, while my account was negative, XXXX approved a withdraw/transaction in the amount of XXXX, at a XXXX, XXXX XXXX XXXX XXXX XXXX which the overdraft amount XXXX to {$130.00}. Significantly, the next day, XXXX approved a withdraw/transaction in the amount of $ XXXX my account was negative. This led to a total fee of XXXX. It dropped down due to an automatic transfer of {$5.00} from a share. I am not confident on what that even is. I do not know why any bank would allow a transaction not XXXX, not XXXX, but XXXX times, to process successfully even though an account did not have the appropriate funds to cover it. This is a flaw in XXXX financial system and has effected me tragically. XXXX These charges were an act of fraud. I did not have my XXXX card in my possession at this time. Frankly, the last time it XXXX have been in my possession was XX/XX/XXXX. At that time, I went to a XXXX XXXX for my law school. I lost my wallet that night at the bar ; I had to get a new drivers license, debit card, school card, etc. My XXXX card was in there. Since I have no use for XXXX, I never called them to get a new one. Altogether, it could not have been me who used a XXXX card on these dates. For the reasons stated above, I am demanding that XXXX eliminate these fraudulent charges.
06/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90028	Web
In the middle of XXXX XXXX I found out about identity theft on my credit report while going through a car loan process with my bank. I have been working closely with XXXX and have filed a report with the FTC, the Police Department, as well as with every incorrect debit collector on my credit report. The person who stole my identity had access to my personal information including but not limited to my drivers license, signature, addresses, and social security number. It has all been documented and all credit reporting bureaus reported that they had used both my name as well as a " Also Known As '' which has since been happening since the XX/XX/XXXX 's. Some names and accounts been removed from my report since starting to fight this almost a month ago. While a few creditors have already given me notice that they 've removed their information from my reports some companies have proven to be rather difficult. The Best Service Company CO/CA is the reason I am filing this complaint. After finding them on my report I called their offices to verify their address, which has been verified on their website as well. I sent them a certified, signature required, and return receipt letter requesting validation of debit not XXXX but XXXX. XXXX times these letters have been refused. The XXXX letter was sent XXXX XXXX XXXX and the other was sent XXXX XXXX XXXX. On or around XXXX XXXX, XXXX I placed a follow up call to inform them that returning mail did not absolve their responsibility to verify the debt they are trying to collect on. The original debit belongs to XXXX XXXX XXXX. I have n't been a member of that banking institution since XX/XX/XXXX and as I was concerned there was XXXX money owed to them. To help speed this process along I asked if I could just pay the {$49.00} dollar charge that is appearing on my credit reports and have them delete the account since they 1. have not validated the debit and 2. were refusing my mail. The woman who was representing The Best Service Company told me that my debit was not {$49.00} dollars but near the area of {$80.00} and that I would have to pay that amount to have it removed from my reports. While I do not feel that this debit has in any way been validated I want this deleted from my account as soon as possible due to the Identity Theft that has shattered my credit and left me in ruins. I need to do all I can to repair it. I informed her that I would pay them the amount she told me but I needed to have her email, fax, or mail me in writing what we had just discussed and agreed upon. That they would delete all delinquent information from the trade lines on all three credit bureaus ( XXXX, XXXX, and XXXX ) after payment and in a reasonable time frame. She actually laughed at me and said " No, I wo n't send you a thing. Just pay the amount ''. I told her that I have no guarantee that she would honor what we spoke about and that I needed to have it in writing in order to make the payment. Her response to me was " I guess that 's a chance you 'll have to take. We will delete it sometime ''. This was followed up with " you 're the one who wants it off your credit so just pay ''. I informed her that a simple write up and fax would settle this and she refused and again insisted that I just give her my card number. After I told her once again that I needed something in writing I was hung up on. This severely unprofessional phone call prompted me to file a complaint so that I can get this sorted out as fast as possible.
07/09/2016	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	CA 95820	Web
The company called " The Best Service Co. '' has a representative handing my account. During each of my encounters with this collector XXXX XXXX while I attempted resolve my debt, I was verbally abused and he was very hostile towards me each time we spoke. I remained calm and professional even though he was not professional towards me. He was yelling so loud at me and was being so verbally abusive during my last encounter that my husband could hear him clearly and began recording our conversation after I asked XXXX XXXX if their was someone else that can handle my account. XXXX told me there was no one else that I could speak to. I told him that, I wanted to settle my debt and would like make payment arrangements. He then told me, " Why should I help you, after you hung up on me? '' I told him that he had called me while I was at work and I can not receive calls during this time at the hospital. XXXX continued to be rude and argumentative so, I asked to speak to his Supervisor. With reluctance he finally placed his Supervisor XXXX XXXX on the line with me. I began to tell him that his employee is disrespectful and very rude. I was immediately cut off by XXXX, he interrupted me to say, " that 's what every one says when they do n't make a deal with him. '' I responded, I called you guys to settle this debt, is everyone there this rude and are you telling me that he has the right to be rude to me and treat me any way he likes just because I have a debt with your company? He responded, " well how did he treat you ''? I told XXXX, I was trying to explain how XXXX was treating me but, then I was interrupted because you cut me off. I told XXXX that XXXX XXXX was very rude, unprofessional and on your recording it says your a XXXX, he is no were near professional. I then stated I called him, he did not call me to settle this debt and asked XXXX " Are you telling me as his Supervisor that you can not settle this debt with me? '' XXXX XXXX responded, " You know what, I trust XXXX XXXX judgment and therefor I 'm not inclined to over rule his decision on whether he wants to settle this debt or not. '' I became very upset because not only was I treated disrespectfully and verbally abused by XXXX XXXX, now his Supervisor XXXX XXXX has not even attempted to apologize for the actions of his employee. XXXX did not allow me to express my deepest concerns and issues. Instead he automatically took the side of his employee XXXX without even listening to what I had to say about my interaction with XXXX XXXX. As of now I do not know what the exact amount of money I owe to XXXX XXXX. I want to know what the loan was originally purchased for from XXXX XXXX and what additional charges I 'm being charged for by The Best Service Co. so that I can fully understand this debt. If I can not be given a complete break down of charges, this is in violation of the Fair Credit Reporting Act. I will not pay for something I have no complete knowledge of regarding debt. I have attempted to resolve this matter. I have called this company to resolve these issues and I have not had any success.
03/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85201	Web
I received my credit report and found a collection from the best service company. I disputed this information with the company. In response, they sent me statements as verification of debt. I have no validation of how this account became allegedly overdrawn. Mere statements do not show a detailed explanation of how these accounts became overdrawn. The statements that I received show XXXX different balances. This is not validation of a overdrawn account. I do n't know what caused this account to be allegedly overdrawn except for there was some form of a bank debit return item. I do n't know what that is? Where is the documentation of this bank debit return item? What was returned? Why was it returned? This information was n't provided to me at all. I never received any form of notice that I had thirty days to dispute the debt before it became valid, I was informed after receiving the statements that my credit report would be updated and there was no reason to not pay the balance. This is a clear violation of my FDCPA rights. XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). These statements do not meet the burden of validation or verification.
03/16/2023	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	AR 723XX	Web
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.
11/13/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90292	Web
To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies. According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. Sincerely,
06/08/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92804	Web
The original debt from the XXXX XXXX XXXX XXXX was {$5000.00} and I had paid it down to {$4300.00} by XX/XX/XXXX it was {$3800.00}. On XX/XX/XXXX I was served court papers at XXXX XXXX ., from The Best Service Company. I called them to find out why were they doing this and XXXX XXXX stated that I told him not to call my job any more so he is suing me! I tried to explain that by him yelling at me and threatening me is not allowed. He then stated that if I wanted to stop the court proceedings I would have to pay the clerk of the court fees of {$220.00} the first payment and then the second payment on XX/XX/XXXX . In XX/XX/XXXX I was placed on disability and was not receiving my full pay so I called the companies I owed the situation. I could not contact The Best Service Company because I did not have a phone number nor an address. I received a letter on XX/XX/XXXX from the Best Service Company stating I have missed three payments of {$120.00} a month and I need to cure this default of {$370.00} in 10 days. I borrowed the money and I have been current. I called XXXX XXXX on XX/XX/XXXX to ask if I could pay half of my debt which at that time was {$3400.00} with XXXX payment. XXXX said when you get the money to call him back. On XX/XX/XXXX I called him back but he did not answer the call. I left a msg that I have borrowed {$1400.00}. I called again the same day and he answered and right away he was rude and would not take the money I offered, but he said I was late with my payment. So I paid {$120.00} and hung up the phone! Yesterday I received an alert from XXXX regarding my credit score! I signed on a it was the Best Service Company it had said I was seriously delinquent on XX/XX/XXXX ! I called XXXX XXXX and I was hysterical and crying trying to explain that I have been trying to fix my credit score and you stated I was seriously delinquent. He yelled at me " you do not tell me what I can do and matter you are being rude to me and when you learn how to talk to me you can call me back. So I told hi I am not being rude but how does he think this is fair! He stated that as of right now the amount you owe is {$3800.00} you were late this month with your payment and if you are late again it will go up again! I will never be able to pay this off if he continues to do this, please help me!
10/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 957XX	Web	Servicemember
A woman called me and immediately asked to speak with XXXX. When I said that yes this was XXXX, she claimed to be from " The Best Service Company '' and immediately asked me to verify my identity by providing my date of birth and the last XXXX of my social. She did n't even ask what my last name was. I became suspicious, so I asked what her call was concerning. She then said that she could not discuss that with me unless I verified my identity. I then told her I feel hesitant to release that type of sensitive information over the phone to an unknown company that I did not personally call. She then said " I understand, is your date of birth //**** ( She stated my full date of birth to me. XXXX '' I then told her I am not comfortable confirming any sensitive information regarding my identity until I know the reason for the call. She told me that She could not tell me until she verified my identity. I then told her we were at an impasse since I have no knowledge of any relations with " The Best Service Company, '' and I would be unable to provide her with any information. She then hung up. I called the company back and asked a representative to put me on their do not call list. They agreed without obtaining any information to actually do so, then hung up. Due to the fact my information was shared over the phone without my consent, I contacted Transunion and had a fraud alert placed on my file. While reviewing my credit statement, I saw that The Best Service Company had placed a statement on my credit report claiming that I owed them a debt of {$420.00} for an account with a local credit union, whom I have never had a line of credit with. I filled a dispute against the statement on my file. I am appalled that my personal information was disclosed over the phone, allowing for a simple " yes, or no '' answer to suffice as an adequate verification of identity. I am additionally aggrieved by the fact that my information was so easily provided to an unverified caller, who may not have had previous knowledge of the information shared. My privacy has been infringed, and my personal credit has been falsely affected in a negative light.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91006	Web
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US 1666 ( b ) a creditor may treat a payment on a credit card account under an open and consumer plan as late for any purpose. Date Reported : XX/XX/XXXX Collection Agency BEST SERVICE COMPAN Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$380.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact BEST SERVICE COMPAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification EDUCATIONAL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
07/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92530	Web
I had an account with XXXX XXXX and something happened on their end where I had previously bought something and paid it off but the balance never got XXXX out so for whatever reason something happened to the payments and I stopped receiving statements and I forgot about the account until my fiance bought me a bracelet from there for my birthday in XXXX. So when he went to make the payment in XX/XX/XXXX. I asked him to check what was going on with my account well there was still a balance so he paid {$60.00} and again XXXX made another payment little did I know the account got sent to collections in XXXX. They didn't tell us that when the payment was made not did I receive notice until after those payments were made so I thought I was current then I got a collection letter not only that but the payments we made didn't even get applied luckily I had my receipts so I disputed the letter and sent my receipts and I heard nothing from that company so once I got my taxes I asked what my new amount was so I could pay it off and they gave me the same price without my 2 payments we made at XXXX XXXX personally before knowing that account was sent to collections and I said no I want my money that I paid applied and then I was my payoff they told me they could not do that and the case was under investigation so I called every week on my day off for a few months and it was still pending investigation so I they told me I would receive something once the investigation was concluded so I stopped calling and I never got any notice the investigation was even over and I went to check my credit report and they put negative marks on my credit bad been charging me and adding interest for months and I have never got a call or a letter since the original letter notifying me that my account was in collections. And every time I did call and every person at that company was super rude I just wanted to pay my debt and get credit for what I already paid and they treated me like I was a criminal on trial.
02/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID 83401	Web
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Debt Collection Agency : The Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX reports account opening in XX/XX/XXXX for the original amount of {$750.00}. XX/XX/XXXX account charged off for {$830.00}. {$830.00} written off. Account status remains Charged Off/ Failed to Pay on XXXX Credit Bureau on XX/XX/XXXX. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Called XXXX XXXX to see if they still had account. They said they no longer have files regarding the account number listed on the credit report and the account is closed but not sold off. They use the help of The Best Service Company to help them acquire the debt. Any further inquiries must be made through the collection company. The Best Service Company reports date of account opened as of XX/XX/XXXX. They report credit limit or original amount of {$830.00}. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Recieved first time letter from The Best Service Company on XX/XX/XXXX. Letter claims Balance Due : {$1100.00}. Anual Int. Rate : 10 % Letter states recieving dispute, but for them to first investigate my claim, I must describe in detail the basis of my dispute. I must also provide all documentation to support my dispute. Without any documentation, they will continue to credit report. I called The Best Service Company to inquire about the account asking if they had physical documentation stating they could collect the debt and the accuracy of the information regarding the account. The representative said she was not aware of having such documentation and said she did not know what I meant. She started to go over the information on the account and it was different from the information originally reported by XXXX XXXX. I started to question if the account was mine. She said I was talking over her and she was ending the phone call and hung up. I sent out a letter of verification inquiring about the account in XX/XX/XXXX.
08/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94509	Web
THE BEST SERVICE COMPANY, In accordance with 15 USC 1692g, I, A consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. Please be advised that if you fail to respond to this dispute within XXXX days, I will be forced to escalate this matter and take appropriate legal action.
02/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92672	Web
On or around XX/XX/XXXX I received a letter from " The Best Service Company '' attempting to collect on purported monies owed by their client " XXXX XXXX XXXX XXXX ''. Subsequently upon receiving this notice I immediately contacted their company and requested pursuant to the Fair Debit Collection Act to provide me proof of validation. Subsequently on XX/XX/XXXX I received a package sent to an address I have not been associated with for well over five years and forwarded to my new place of residency. Included in that package was an application for membership with an address I have not lived at for almost 15 years but dated XX/XX/XXXX. Secondly the application provided my mothers maiden name as " XXXX '' which was never a name my mother has been associated with. Lastly, in a further review with our attorney we noticed a secondary signature of a persona I don't know or have ever been associated with me. In addition and according tot he review of the application it indicates a copy of a valid identification was provided which I previous requested but they have failed to adhere to this request. In closing, it was very clearly stipulated that this account was opened fraudulently and the original creditor was issued a police report. I requested copies of a valid identification due to the incorrect and fraudulent information included in the documents which to date has not been provided. In addition the signatures provided were clearly fraudulent and they have failed to provide accurate information. Instead their organization has acted like the judge and jury with fraudulent and frivolous information and they have failed to adhere to the requested documentation and properly communicate with the client prior to collecting on a well documented identity theft materials provided.
11/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90292	Web
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITYXXXX CA XXXX XXXX XXXX 2017 To Whom It May Concern : Your firm has continuously contacted me over an alleged debt in the amount of {$250.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. Sincerely,
04/22/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 91706	Web
Collection company here contacted me never have I ever received any verification or documentation on this debt. It says its for a XXXX XXXX I contacted XXXX and was transferred to The best service company. First I have copy 's of my credit reports where it states I owe XXXX then updated to XXXX dollars And when I disputed with the credit report agency 's It was updated to XXXX The Fair Debt Collection Practices Act says collectors can add fees or interest only if the amount is " expressly authorized by the agreement creating the debt or permitted by law. '' That requires having a copy of the original card agreement to prove the interest is permitted. I have Not received no Validation of debt. Then when I contacted them the Man stated that if I give the goods back and hand over some cash this will all go away. What gets me the most is he stated he is already in the process of suing me and filed documents with the XXXX California Court already, which he did not, It has been XXXX months since the phone call and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. I am diagnosed XXXX and this caused me XXXX which is not good for my well being. Also the original charge off on my reports states accounts day of first delinquency is XXXX XXXX the best service company has it listed has XXXX XXXX which account should show accurate date of original charge off account. Date of removal is listed on the original charge off as XXXX XXXX, but the best service company has extended the debt and is showing XXXX XXXX. Which is also a violation in Fair Credit Report Act listed in Sections 623 ( a ) ( 5 ) and 605 ( c ) ( 1 ).
02/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53222	Web
The Best Services Company ( henceforth referred to as TBSC ) attempted to collect a debt that where no debt validity was ever sent. TBSC claims a validity letter was sent on XXXX What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX. We moved to XXXX, XXXX XXXX miles away. in XXXX of XXXX XXXX then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. TBSC cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which TBSC says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that TBSC takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least TBSC company could do is remove the collection, one of my only negative credit marks. What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.
11/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92243	Web
This account that I am complaining about concerning The Best Service Company I found to be a fraudulent account in my credit report. The Best Service Company is attempting to collect on a debt that I do not owe. I got a letter from The Best Service Company on XX/XX/XXXX attempting to collect on a debt that I do not own, and now recently found this company furnishing derogatory information about me. I sent The Best Service Company a letter of dispute of the alleged debt on XX/XX/XXXX for validation of debt XXXX XXXX XXXX - Notice for validation of debts, and another letter of Cease and Desist on XX/XX/XXXX. I did NOT get a response from The Best Service Company regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. I did give The Best Service Company a chance in good faith to validate the alleged debt. The problem with The Best Service Company is that they are furnishing information about me without having permissible purposes according to the FCRA, this makes it an Identity theft. Furthermore The Best Service Company is attempting to collect on a debt that is considered income according to the IRS for being a charge off with a XXXX balance. XXXX does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance according to the original creditor. What are they collecting on? The alleged debt has already been charged off through the IRS with a 1099-C Cancellation of Debt. These are the violations of Consumer LAWS, and Criminal LAW. 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft.
05/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90715	Web
On or about XXXX, XXXX the Best Service Company entered into the Victims XXXX Credit Report claiming an alleged debt was owed to them in the amount of {$1200.00}. Victim contacted the BSC on XXXX XXXX, XXXX via United States Post Office, Certificate of Mailing XXXX, with a letter of validation asking the BSC to provide proof of this alleged debt. To date the BSC has not responded to the Victims request for proof/validation. BSC has entered derogatory information into the Plaintiff 's Credit report and has continually updated this information by adding unauthorized interest and late charges through today 's date. The Plaintiff has verified with XXXX on or about XXXX XXXX, XXXX that they have confirmed that The Best Service Company has verified to them that the information is correct. The Debt Collection Practices Act states a debt collector must cease collection of a debt it they are asked to provide validation and must provide that validation or cease collection activity. BSC has not ceased collection activity by entering into Victims credit report on the following dates, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, and has violated the LAW under Fair Debt Collection Practices Act 15 USC Section 1601, et seq and The Fair Credit Reporting Act 15 USC 1681, et seq by updating and knowingly reporting erroneous and damaging information to the Credit Reporting Agency XXXX XXXX damaging the Victims Credit Standing, Reputation and the Victims Credit Report. Recourse is demanded through the LAW as outlined in Fair Debt Collection Practices Act 15 USC 1601, et seq and Fair Credit Reporting Act 15 USC 1681, et seq.
04/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM 88005	Web
The original creditor told me to contact executive staff at that Bank. I am unable to call or receive phone calls. I have emailed and received email from the original creditor. However, at no time has the original creditor addressed the account and now the false reporting of a debt owed. MY XXXX ' rights have been ignored and violated. ( Before during and after all action no executive staff of the original creditor has meet with me and/or replied in kind via email. ) Only action by the Original Creditor has been requested to call knowing I can not use a phone in direct violation of America with XXXX Rights. HIPPA law and other NM State laws require alternative forms of communication be made available, this has not been the case with XXXX XXXX XXXX XXXX. -the account now reported in my name is false. Collection by The Best Service Company now reports a debt that began in XX/XX/XXXX with an amount owed as {$7500.00} past due as of XXXX XXXX. At no time have I been provided any documentation and/or contacted about this past due amount owed. I was not notified about this debt in XX/XX/XXXX. I have NOT received any documentation and/or justification for this reported debt as of this complaint XX/XX/XXXX. I have not been Affected by natural or declared disaster. I receive no notifications about this ever-increasing debt. XXXX and the XXXX XXXX XXXX XXXX have refused to address and/or provide me with explanations for this continued reporting of this ever-increasing debt AND The Best Service Company keeps inflating the amount of the debt owed without notification or justification. I am only aware of this false reporting by alerts from credit monitoring company.
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IA 50315	Web
I had a checking account with XXXX XXXX XXXX XXXX prior to XXXX 2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The Best Service Company with a balance of XXXX $ owed in XXXX 2013. I disputed the account and TBS co reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to TBS co and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with XXXX bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with XXXX bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.
06/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94561	Web	Servicemember
I was in collection with XXXX XXXX XXXX XXXX ( now know as XXXX XXXX ) in XXXX. This debt of XXXX was sent to the collection agency know as The Best Service company. When they called me to pay it in XXXX I paid the amount of XXXX on XX/XX/XXXX. Which is XXXX cents shorts of what they were suppose to tell me to pay. This is not my fault and I have a paid in full letter from the Best Service Company. How I found this out was I was refinancing my car loan in XXXX and they said I had a collection amount with XXXX XXXX still. I called XXXX XXXX and they said that there was XXXX cents still owed. They just credited the account at that time which still now shows I was in collections for four years. I called the Best Service Company who owned the debt and asked what went wrong. They admitted over the phone to me that they told me the wrong amount but still sent me a paid in full letter. I asked them to admit their wrongdoing on paper so I can dispute it and they wouldn't. I disputed this with each credit bureau and it doesn't look to me like they did it right. XXXX says last payment made on this account was XXXX of XXXX when they credited the XXXX cents. ( even though I paid this in XXXX ). Both companies were in the wrong because The best Service Company wont admit on paper that they were wrong and XXXX XXXX did not let me know that there was still a XXXX cents balanced. This means that I have looked delinquent to banks and other creditors for fours years over this XXXX cents that wasn't my fault. This is not fair to me and I do not know how to get this removed from my report.
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98103	Web
These collection companies are reporting that I have an open account which is not under FCRA compliance. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate UpdatedXXXXOriginal Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status XXXX >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXXE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
09/06/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ND 58104	Web
I am writing to express my grave concern regarding a debt that you have reported to all three major credit bureaus under my name. I must make it absolutely clear that I have no agreement with Best Service Company. Your reporting of this unsubstantiated debt has not only harmed my credit score but has also caused me to incur higher interest rates, resulting in significant financial hardship for me and my family. Further, despite lacking any proof of my obligation to this debt, I was compelled to make a payment of {$290.00}. This payment was made under duress, given the adverse impact of the unvalidated tradeline on my financial situation. In light of this coerced payment, I demand that the account in question be deleted from the records of all three major credit bureausXXXX XXXX, and XXXXimmediately. I hereby demand the following immediate actions : Debt Validation : I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity. Removal from Credit Reporting and Account Deletion : Given the absence of any verified agreement or debt owed on my part, and considering the forced payment of {$290.00}, I insist that you immediately remove all related reporting from XXXX, XXXX, and XXXX and delete the account entirely.
03/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 953XX	Web
This collection company The Best Service Company that is located at XXXX XXXX XXXX AVE. XXXX FLOOR XXXX XXXX, CA XXXX is reporting an alleged debt on my consumer report ( XXXX, XXXX, ) that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. The Best service company has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
12/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34471	Web
CFPB + The Best Service CO/XXXX On a recent check of my credit reports I see there is a collection/charge off account from The Best Service CO/XXXX saying I owe a debt of {$4700.00} that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90069	Web
I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The Best Service Company ( a collection agency ), and XXXX XXXX remove this item from collection and from my credit report and all banking records immediately and permanently. I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my XXXX XXXX account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with XXXX XXXX department, XXXX XXXX failed to pursue XXXX and collect the funds. XXXX XXXX instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. I closed my accounts shortly after the incident, which has been three years, but XXXX XXXX created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as XXXX XXXX subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The Best Service Company or any other agency.
10/19/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92883	Web
Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its XXXX XXXX XXXX XXXX I dont have any credit accounts with XXXX XXXX XXXX XXXX there is no wet signature with said company and XXXX XXXX XXXX XXXX XXXX. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with XXXX XXXX XXXX XXXX or this agency
09/22/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91344	Web
I contacted Best Service Company in XX/XX/XXXX to pay in full a balance owed. The representative XXXX XXXX took the payment of {$280.00}. Ms. XXXX also told me that I would get a letter in the mail stating this debt has been satisfied and the company would make a submission to the Credit reporting agencies in which the debt was being reported that this debt has a {$0.00} balance with a deletion. Sad to say this did not happen. The only thing that did happen was I received a letter in the mail stating the debt was satisfied in full. I called XX/XX/XXXX, I was bounced around from representative to representative, all of which were extremely rude. I was finally transferred to a supervisor XXXX XXXX, who was not much assistance either. He continued to be rude and speak over me. He told me the best he could do was to send out a letter that this debt was paid in full. He said they ( Best Service Co ) had reported to the Credit Reporting Agencies that there was no balance. However when I did speak with each Credit Reporting Agency and they claimed that Best Service Co was still reporting an unpaid balance even though they had told me they reported the account paid back in XX/XX/XXXX. I have seen many other people having the same issues and I noticed that this company is suspended with the Secretary of State in California and as a Corporation in California this is simply illegal.
02/11/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NM XXXXX	Web	Servicemember
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX Partial account # XXXX Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Address ID # XXXX Terms : 1 Months Original Creditor : XXXX XXXX XXXX XXXX Monthly payment : Not Reported Type : Collection Credit limit or original balance : {$460.00} Payment history : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX is saying that the checking account was charged off and is listed as account closed on XX/XX/XXXX due to account abuse but I didn't ever commit such acts. They only paid for ( 1 ) EFT TRANSACTION MERCHANT : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX CK # XXXX AMOUNT : {$340.00} DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX WAS OPENED AROUND XX/XX/XXXX AND WAS DONE COMPLETELY ONLINE. THEY BLOCKED MY ACCESS FOR SECURITY REASONS AND I HAVE NEVER BEEN ABLE TO USE MY DEBIT CARD NOR HAVE I EVER RECEIVED ANY MONTHLY STATEMENT FROM THEM. IT'S LISTED TWICE UNDER THE BEST SERVICE COMPANY DEBT COLLECTOR. THE 1ST ORIGINAL AMOUNT OF THE ACCOUNT WAS {$5800.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$7900.00}. THE 2ND ORIGINAL AMOUNT OF THE ACCOUNT WAS {$1200.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$1300.00}. THEY JAVE COMMITED FRAUD/UNAUTHORIZED SERVICES AND I HAVE IT ON MY XXXX CREDIT REPORT AS SUCH ALONG WITH A FRAUD ALERT ON ALL 3 CREDIT REPORTS THAT I'M A VICTIM OF IDENTITY THEFT/FRAUD.
08/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92129	Web
I was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.
08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92101	Web
Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
07/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 923XX	Web
Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX and XXXX acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as The Best Service Company. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the Best Service Company for debt collections ) that are preventing me from getting my loan. I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). I have an investigative specialist through XXXX ( XXXX XXXX \| Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX student at XXXX University ( online ).
09/27/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 91706	Web
My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.
06/22/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 36535	Web	Servicemember
I tried contacting the original creditor ( XXXX XXXX XXXX XXXX ) to pay a debt in full. The original creditor told me the amount I owed was {$450.00}, same as what is showing on their bank APP but different from the amount reported to the credit bureau 's. XXXX told me I could not pay them directly but was told to contact The Best Service Company and make any payments directly to them. I notified XXXX that according to a letter I received from Best Service Company, I owe {$540.00}. XXXX told me that they were going to correct that by notifying Best Service Company of an extra payment they had received, and accepted, from me after they had already transferred the debt over to them. I contacted The Best Service Company and they had told me the amount owed is for {$550.00} ( different from all amounts I've been told so far, as well as the amount shown on their letter ). After explaining that the amount they are charging is incorrect, they kept disagreeing and told me they received information from XXXX saying the amount they have is indeed correct ; even after XXXX told me differently. I am being told too many different figures by these two companies and I have been attempting at settling this debt for months now so that I can get my credit in good standing.
05/20/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80112	Web
I spoke to XXXX on in XXXX to settle the debt. I agreed to draft {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX and my notes indicate {$68.00} on XX/XX/XXXX. On XX/XX/XXXX {$100.00} was drafted, on XX/XX/XXXX {$100.00} was drafted, and on XX/XX/XXXX {$170.00} was drafted. The original debt was {$360.00}. I agreed that I might of misheard the {$68.00}. I typically keep owed debit payments below {$100.00}. I agree the agreed upon may have been {$160.00}, however I did not agree upon {$170.00}. XXXX denied my claims and the manager denies the claim even though my notes indicate otherwise. The statement that the payment over drafted my account was completely inaccurate. My account was never over drafted and I never indicated that it over drafted my account. The reason for submitting my complaint is the false information this company gave and the continued false information they are providing. I verified the amount for the final payment however this company refuses to verify that XXXX confirmed the exact amount that would be pulled from my account. I will keep escalating this matter until they provide proof of this conversation that took place. All I am asking for is to listen to the conversation to confirm what was said.
02/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94544	Web
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit and XXXX issues because of high levels of stress. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Free Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this item related to FRAUD gets removed from my credit report. The account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed. Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. If The Best Service Copmpany denies a deletion letter, I am willing to take this issue to the next level and let a court judge to decide. I am sure that the list of violaitons will go up once I talk to my attorneys. Attached : Letter sent to XXXX XXXX XXXX on XX/XX/XXXX and FTC Report.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34471	Web
CFPB + XXXX + The Best Service CO/XXXX On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the unauthorized hard credit inquiry. Please send me a written confirmation that you have complied with my requests. I fully expect this unauthorized credit inquiry to be removed from XXXX immediately as you will not find my written authorization as I did not give it. Your failure to act will be this matter being referred to the Attorney Generals Office. I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. Thank you for your attention to this urgent matter. Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull
08/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91356	Web
Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " Best Service Company '', and the original creditor was XXXX XXXX XXXX XXXX. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in Ohio. I live in California and told them I have only been to Ohio once - XXXX years ago when I visited for XXXX days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
04/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web
Account - The best services XXXX Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character
07/22/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NV XXXXX	Web
Mid Valley Collection Bureau ( MVCB ) formerly doing business as Professional Collection Consultants ( PCC ) is working on the behalf of XXXX, XXXX who is doing business as XXXX XXXX. A party purchased a vehicle from XXXX, XXXX using my personal information in XXXX. I was not notified of this debt or indication that my name and personal effect were associated to it by XXXX, XXXX. XXXX, XXXX, or any party on their behalf, did not follow the law and violated California Code of Procedure 418.10 as I was not served properly at my dwelling house or usual place of abode. I was only informed of this debt upon notification of a withholding order from my place of employment, in approximately XXXX. PCC/MDCB has refused to research my statements to confirm the validity of the debt. 18 years later, present day, MVCB has submitted another garnishment based on the invalid judgment that was processed in XXXX. XXXX, XXXX XXXX XXXX , the salesman, and the underwriter erroneously issued an auto loan and sought recourse both under fraudulent activity. PCC/MVCB has solicited garnishment of funds under ill obtain methods due to improper service process.
12/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IA 50265	Web
I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.
09/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	OH 45039	Web
The Best Service Company reported a collection trade line to my credit somewhere around XXXX/XXXX/2016. I was never contacted via US mail, email, facsimile or by phone about this. The way I found out about this was from an alert from XXXX monitoring services. On my credit report it has an ID Alert statement with my cell phone. Also in the contact information my mailing address, work number and cell phone are listed and are accurate. Therefore there is no excuse why I was not afforded the opportunity to dispute the matter under the previsions set forth in the governing laws. If I was given proper communications a formal dispute and police report would have been provided to them disputing this matter. After pulling my credit last night I 've identified the original creditor. The account they are attempting to collect on was involved in fraud. Documentation was provided to the original creditor almost 4 years ago. The CFPB needs to step in and stop this type of behavior with debt collection companies. They should not have the ability to report an account period. Especially in situations like this.
08/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85013	Web
Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The Best Service Company reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects XXXX XXXX as the lender / creditor. I attempted to dispute this item as i have not had any accounts with XXXX. The dispute was denied, Best Service Company reported that the dispute is invalid. I contacted XXXX XXXX and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with XXXX and remove the item from my report, to no avail. I am requesting they remove this item from my credit immediatly.
04/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91351	Web
On XX/XX/2019 I received letter from my bank that collection agency Mid Valley Collections Bureau had levied against my bank account for money owed by a judgment debtor. The debtor has a different name than me, but according to the collection agency he used my social security number. On XX/XX/2019 I sent letter to attorney for the collection agency, Law Offices of XXXX XXXX, and called to notify him that he had attached the wrong bank account. I spoke to XXXX XXXX, attorney handling the case, and he was indifferent to this information and refused to provide any information on the debt, stating that I was not a party to the lawsuit and he could thus not disclose any information. On XX/XX/2019, thru my daughter, I called Mid Valley Collections Bureau, not the attorney, and told them that they had levied against the wrong bank account and that the debtor had fraudulently used my social security number. They told me to call their attorney. I filed police report with the Sheriffs on XX/XX/2019 and complaint with the Federal Trade Commission on XX/XX/2019.
07/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95117	Web
Recently I learned that I have been victim of identity theft. I have find that some one unknown to me has used my personal information to get themselves credit and because I was not receiving any statements from different credit card companies some items ended up in collection which I had to hire a company to take care of the matters for me. I assumed everything in my credit report was cleaned up until a month ago when I decided to get a new job and I knew that who ever I apply for employment they are going to pull my credit report. I did that my self and purchased a copy of my credit report and noticed that there was a collection account from BEST SERVICE COMPANY for an unpaid XXXX account. I immediately wrote dispute letter to credit bureaus then I wrote a dispute letter to BEST SERVICE COMPANY and explained my situation to everyone. XXXX f the bureaus they removed all the negative items but XXXX still indicating the account from BEST SERVICE COMPANY still is in my credit report. and I have not received any response back from BEST SERVICE COMPANY.
10/02/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92116	Web
A judgement was filed against me in XX/XX/XXXX & renewed again in XX/XX/XXXX. I was never served any kind of summons or any other forms of any kind. I didn't even know there was a judgement against me until my paycheck started being garnished in XX/XX/XXXX. So I had payroll send me the information they received on the Wage Garnishment. From there I went to the XXXX XXXX Superior Court & researched Assessing Records & found the judgement. So since I didn't know that I was being sued for a past debt dated back in XX/XX/XXXX. I didn't get a chance to respond & they entered a default judgement against me. Also my collection has changed hands so many times, In which all the companies are at the same address. I'm not even sure who has the contract now. Plus reading some of the paper work that has been filed with the Court. It has been stated Declaration Re : Unavailability of Original Contract. The original written agreement has been lost, stolen, or destroyed. Also I came across that Mid Valley Collections Bureau has a XXXX Suspended.
12/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94544	Web
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from my credit report. The account has a XXXX balance. Account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed. Balance {$0.00}. Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. Attached : Letter sent to The Best Service Company on XX/XX/XXXX, fax confirmation and FTC Report
12/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 022XX	Web
I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service Company.
11/05/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 93436	Web
Mid valley collections bureau Aka professional collection consultants have used illegal tactics to put a one on my property. First they unsuccessfully tried to garnish my wages, the judge ordered in my favor via the XXXX XXXX police department. After unsuccessfully trying to garnish my wages they put a lien on my property even thought they were told they are no longer allowed to make attempts to collect money I do not owe. Ive asked them repeatedly for validation of days debt which they have not replied and failed any form of validation. They keep changing the amounts owed, and their name. I was never informed there was a lien or an attempt to put a lien on my property. By law creditors have to let you know before putting a lien on your property. The lien was placed on XX/XX/19 and I just was notified by my title company on XX/XX/19 that there was a lien. I was never notified and all this time has gone by with interest being added. What they are doing is illegal and they need to stop using illegal tactics against consumers.
09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80221	Web
I have been receiving letters and calls from " The Best Service Company '' regarding an invalid debt. They have it on my credit report and refuse to remove it even though the original debtor removed their complaint. XXXX XXXX XXXX XXXX messed up on a closed account, leaving it open and collecting fees. They then turned it over to these shady credit collectors. I disputed the original XXXX XXXX XXXX XXXX claim and they agreed and removed their claim from my credit. The Best Service Company has been given the same information and is refusing to remove their claim from my credit reports. I have received a new letter from them saying I have to give them more information or they will continue reporting until I satisfy their inquiry. XXXX XXXX XXXX XXXX removed the original charge and are no longer reporting it! These people are scammers. I have tried calling and each time, get disconnected. Their website is NOT at all helpful, only allowing you to pay or inquire by giving tons of excess mandatory info to submit. Please help!
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94080	Web
I have been damaged and I don't know what else to do to get a fair solution to this issue. I want to complain about The Best Service Company 's actions, which are unfair and negligent. They are violating the CCRA. My credit score has dropped month by month and now I am not able to obtain a mortgage. The Best Service Company is re-aging the account and this is causing me a huge problem. Also, I tried to solve this issue by phone and they haven't even mark the account as " under investigation '' or " disputed ''. The account involved is the following : The best Service Company, account # XXXX, original amount : {$480.00}, original creditor : XXXX XXXX XXXX XXXX. I am asking to get the item removed from all credit reports, as a compensation for all I've been through and all the damages that I have suffered. I am not asking for money, I am not asking for anything but the removal of this item. I don't want to have any contact with this company at all. Please send the attachment to the company. Thank you.
04/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 953XX	Web
On XX/XX/2022, I contacted The Best Service Company regarding an account that appeared on my credit report with a balance of {$430.00} and I requested the name and address of the original creditor. I then followed up with The Best Service Company on XX/XX/2022 as I was still unclear about this item and I requested an itemized statement breaking down the balance they claimed I owe. In their response to me dated XX/XX/2022, they stated that based on their review, they decided that I owe this debt and that I have no valid reason not to pay it.I was provided the name of the original creditor, an account number, and The Best Service Company concluded that my dispute is not valid based on the information that had been provided. Upon reviewing the same documents that were supposedly used to verify this debt, how did The Best Service Company come to the conclusion that I owe {$610.00} when the ending balance on the documentation and the balance on my credit report show different amounts?
08/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95117	Web
I have had a checking account at XXXX XXXX XXXX XXXX many years ago that had some fraud activity on it. some one unknown to me had used my debit card and charged transaction on it on the gambling site which made my account over drawn. I had reported that to the XXXX XXXX XXXX XXXX fraud department and disputed the charges and i got my account credited and soon i closed the account and opened another checking account with another bank. and apparently they had reversed the charges and sent me to a collection agency by the name of THE BEST SERVICE COMPANY. I had contacted this collection agency and explained to the agent that the money trying to collect from me is due to identity theft and I asked them for the debt validation which I have not received any response back from them as of yet. they have cost me a great deal of high interest rate and in my last job I could not get promoted because of this company and that is why I am here with your help get this problem resolved.
04/06/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 33312	Web	Older American, Servicemember
I closed the account in XX/XX/XXXX. XXXX checks tried to be cashed in XX/XX/XXXX. I was never contacted by the bank. My first knowledge was phone calls from Best Service Company. I immediately contacted the bank and was told about the XXXX checks. I ask that they verify that they actually paid the checks. The next day I received conformation the bank has paid the checks and debited my account which had caused an overdraft. I sent the bank funds immediately to cover the overdraft which the acknowledged. They also said they contacted Best Service Company to stop calling and threating me to put derogatory credit information on my credit reports. I am still receiving calls from them. Another strange thing is when Best would call they gave me a phone number to call back, When I would call back they would not talk to me about the problem with out me giving them my SS number, which I never give out over the phone. Giving them their own reference number was not an option.
05/02/2021	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 Problem with personal statement of dispute	NM 88310	Web
XXXX is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. I have asked for my own personal statement be added to the credit report XXXX has refused. I have asked XXXX for the documentation of investigations into disputed accounts reported. XXXX has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by XXXX. This is an ongoing and continuous refusal of XXXX to provide requested information and add personal statement. XXXX The Best Service company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The Best Service Company or the alleged originator of the collection. This statement constitutes fraud in reporting. )
02/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
I was denied my student loan because of a debt from the XXXX XXXX XXXX XXXX account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " Best Service Company '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating. The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The XXXX XXXX XXXX XXXX said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday XX/XX/XXXX.
09/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95628	Web
I opened a checking account with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called XXXX XXXX and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out XXXX XXXX 's fraud paperwork. XXXX XXXX gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The Best Service Company. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
11/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93436	Web
Mid valley collections bureau aka Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. Mid valley collections bureau has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. Mid valley collections bureau illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to Mid valley collections bureau. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.
06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94597	Web	Older American
My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
07/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94603	Web
I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.
05/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94588	Web
I have disputed this account as not mine multiple times with no success of removal, nor was I sent a letter prior to this account being placed on my credit report. First dispute THE BEST SERVICE CO/XXXX replied saying account verified. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. THE BEST SERVICE CO/XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. This account is inaccurate and incomplete, and represents a very serious error on my XXXX credit report.
01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92104	Web
The Best Service Company, a collection agency, sent me a letter in the mail stating I owed a debt for {$10.00}. I mailed the company a letter for removal of account from my credit reports and a check for {$10.00}. I received a letter after a few weeks that they could not process the payment and that I needed to call them, they included the check I mailed them. I decided to send them a money order for {$10.00} and a letter for removal of the account from my credit reports. I just received another letter in the mail stating they could not process the payment and that I needed to call them, they included the money order I mailed. I believe the company is purposely rejecting my payment methods to get me to call them so they can attempt to extort money from me for more than the debt costs and/or to keep a closed collection account on my credit report to purposely hurt my credit.
07/19/2021	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	NM 882XX	Web	Servicemember
The Best Service Co is reporting Negative Account - Collections on behalf of original creditor XXXX XXXX XXXX XXXX. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 XXXX account ( checking ) was Closed per XXXX XXXX XXXX XXXX. Financial institution XXXX XXXX XXXX XXXX is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution XXXX XXXX XXXX XXXX. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
05/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97123	Web
Collection agency : The Best Service Company, XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX My complaint is both against XXXX XXXX XXXX XXXX and The Best Service Company I orginally had a checking account with XXXX XXXX XXXX XXXX. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to XXXX XXXX XXXX XXXX by electronically depositing funds to my account. XXXX XXXX XXXX XXXX was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. XXXX XXXX XXXX XXXX stop accepting my deposits and turned the account over to The Best Service Company and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX XXXX bankruptcy.
08/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 184XX	Web
2 Collection accounts are being reported, but I was never given any type of notice of adverse action from the original creditor, nor The Best Service Company. I have notified the company with the following information : " I, XXXX XXXX, am a Consumer/Natural Person. Best Service Company, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that The Best Service Company has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand, per title 15 USC 1692c ( c ), that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. "
12/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94608	Web
I mailed a first-class dispute letter to The Best Service Company on XX/XX/2020. I did not get a response. I mailed a certified mail receipt requested letter on XX/XX/2020, and I also did not get a response. I mailed the letters to the address that is listed on my credit reports. I am an unaccompanied XXXX youth that is participating in a XXXX XXXX XXXX effort named XXXX XXXX. XXXX XXXX provides unaccompanied XXXX youth with a housing subsidy, workforce training, and job opportunities as well as financial education and coaching. I had a very challenging time obtaining housing due to my credit and The Best Service Company was a big reason for that impact. I do not feel it is fair that I and my financial coach have tried two times to contact The Best Service Company and they have not responded. I called to confirm their address and they have not responded.
11/04/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 93436	Web
cription : Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. The XXXX XXXX XXXX XXXX XXXX has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. XXXX XXXX illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to the XXXX XXXX XXXX XXXX XXXX. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.
05/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92345	Web
Best Serv Co ( collection agency ) has reported a debt on all 3 credit bureaus after my dispute that the debt was paid many years ago. They are collecting for XXXX XXXX. XXXX XXXX and I had a dispute over product that I paid for and returned. They charged off the debt in XX/XX/XXXX despite my dispute and documentation. Best Serv Co has re-aged this account on my credit report in violation of FCRA Section 605 ( c ). They are showing that the account opened in XXXX. I informed them I did not agree with the account, the balances etc and they just ignored me and now illegally report the debt using strong arm techniques. The account is over 4 years old regardless and past the statue of limitations. It is also being duplicated by XXXX XXXX and Best Serv Co was informed of this. They also just list themselves as N/A on XXXX so that I can not dispute properly
05/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95828	Web
The signature loan I owed was charged off and sold to The best Service Company. After receiving letter of debt from this debt company, I called them to make a settlement. They stated they were representing the original lender to collect the funds and the original lender does not except settlements. I then contacted the original lender to verify if they were being represented by The Best Service Company, in which they denied that information, stating the debt I owed was charged off, and they have nothing to do with the debt at this point. They also mentioned the best Service Company has been known to except settlement offers.I relayed that information to The Best Service Company, but they continued to lie about being the 3rd party representative for the original lender, stating the original lender being represented does not except settlement offers.
02/23/2022	Yes	Checking or savings account Other banking product or service	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA XXXXX	Web	Older American
I had a XXXX XXXX XXXX XXXX account which the bank closed in 2016. It is now reporting out on my credit reports, which I am attempting to clear off negative items. I called XXXX XXXX XXXX XXXX in an attempt to secure a " Pay for Deletion letter '' and pay off the outstanding balance. XXXX XXXX XXXX XXXX referred me to their collection firm : The Best Service Company. I called the Best Service Company to make the same request and offer and was told they can not have items removed from my credit report - I know this to not be true. In addition, the collection agency is saying I owe $ XXXX when the amount reporting on my credit report [ {$310.00} ] - although I do not agree with either amount, I am willing to pay off the account, contingent upon it being removed from my credit report with all XXXX credit bureaus.
05/31/2020	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	NV 89104	Web
I sent a letter to XXXX on XX/XX/2020 asking for 2 items to be removed off my credit report due to them both being in regard to the same debt. The Best Service Company is the collection agency and XXXX XXXX is the original creditor. They are both reporting to all three bureaus and my understanding is both can not report at the same time, saying I owe them both. They responded on XXXX XXXX saying that they will not remove them because they meet FCRA requirements. I know this too be incorrect and should like them to remove both items as they reporting incorrectly in various ways such as different opening dates and DOLA dates the biggest being double jeopardy. I am requesting both items be removed immediately as I am in the market for a house and this is one of the major credit items that is hindering me.
06/02/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 80247	Web
( The best service company ) is a debt collection agency that has posted a. Collections account on my credit report which is hurting my credibility and preventing me from obtaining any other form of credit. The amount continues to grow and when I requested proof of debt in the form of original contract I was told no that they sent me something last XXXX already. I informed them that I never received it that if they indeed sent one that sending another should be no problem. They said in order for me to obtain the requested documents I would have to send them a copy of a police report. When I asked if they were obligated to provide me with those documents to show validity of debt they then said that XXXX XXXX XXXX XXXX is the one collecting not them and refused to give me the info for contacting them.
09/13/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	CA 92116	Web
Summons was filed with the Court for a Judgment on XX/XX/XXXX. Proof of Service : Summons & Complaint was dated XX/XX/XXXX. I never received it. And a Renewal of the Judgement was filed on XX/XX/XXXX. Proof of Service : Summons & Complaint was dated XX/XX/XXXX. And once again I never received it. And on XX/XX/XXXX A Writ of Execution was issued. So on XX/XX/XXXX a Wage Garnishment was enforced. So I never knew Professional Collections Consultants was trying to collect on this debt or that I was being sued by them to collect on this debt.i didn't even know I owed XXXX XXXX XXXX XXXX. After talking to my Employer 's accountant & they informed me of who the company that filed the Wage Garnishment was. I researched The XXXX XXXX Court records & found the Civil Complaint that I had no clue of of.
05/24/2019	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	CA 94803	Web
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XX/XX/XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
07/13/2021	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 Investigation took more than 30 days	CA 95206	Web
Good afternoon, I place a dispute with XXXX and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
03/29/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90241	Web
Best Services Company, a contracted collection agent for XXXX XXXX XXXX XXXX, agreed to delete my account upon full payment on XX/XX/XXXX. The account has not been updated since XX/XX/XXXX. The account has not been deleted nor updated. BSC claims they do not delete accounts once they have been paid. I informed them I only paid it upon the condition that a deletion occur for all XXXX reporting agencies. I have not received a paid in full notice, the account is still showing as derogatory. I paid my debt and BSC should delete the account as they agreed to do. This derogatory collection debt which has been paid is severely affecting my credit. I am trying to repair it and BSC is causing me unnecessary harm. They received their payment. They can not continue to punish me in this manner.
09/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, they are reporting it one my credit that it was opened XX/XX/XXXX. It is showing a balance of {$1300.00}. This is incorrect. When I opened the account the balance was {$1700.00}, I put a down payment of {$700.00} leaving my finance amount at {$1000.00}. I had automatic payments coming out of my account in the amount of {$130.00}, which paid the balance pretty much in full. Also, I never received any notification allowing me to dispute the validity of the debt, it just appeared on my credit report. I have disputed this information several times with the credit bureau, but XXXX XXXX refuses to correct their error, and they did not give me a c chance to dispute the validity of the debt.
03/03/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	CA 90710	Web	Servicemember
My name is XXXX XXXX, I came into settlement of the debt to {$9400.00} which I was making every month until their system locked me out without allowing to rreset the account. I called the debt collector to asked what happened and I was told that the lawyer handling my account died and they will get back to me. I never receive any phone call or mail neither email. They went as far as reporting to my employer to garnish my wages, The law offices of XXXX XXXX representing THE BEST SERVICES NEVER CONSULTED ME. The court case is XXXX. XXXX SUPERIOR COURT XXXX XXXX DISTRICT gave a judgement against me without any further or previous consultation with the law firm. They could have contacted me to assign a new person to me to handle the collection of debt.
03/09/2021	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 Their investigation did not fix an error on your report	CA 90712	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91764	Web
The Best Service Company and XXXX XXXX XXXX is incorrectly and incompletely reporting on my XXXX, XXXX and XXXX XXXX report. I have never received any Dunning letters from either company outlining any of my rights as far as disputing the debt as a CA resident. I have already disputed these accounts that are reporting incorrectly and have received no response from my letter dated XX/XX/XXXX and XX/XX/XXXX from either company and the accounts are still there. I request that The Best Service Company and XXXX XXXX XXXX provide me with validation of the debt according the the FCRA. I am also requesting account level documentation proving that this accounts are mine and the method and procedure that you used to validate this alleged debt.
03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92101	Web
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
04/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95209	Web
The name of the original creditor : XXXX at XXXX and he told me that the XXXX had the collections and that if I did n't begin to pay on it I would have all bank accounts cleaned instead my wage was being garnishI the original creditor was XXXX its been since 2003 when I was served at my place of employment until now. I was not aware of a cell phone that is XXXX for a month or so service. XXXX served me with a wage garnishment and still too today my check is being garnished for something I believe in my heart is not accurate. I was young at the time and pay no attention of not showing up in court to have a Judge listen to the case. I am older I want to fight what is right and I need to hear it from someone who has the knowledge.
07/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85006	Web
I had my bank account hacked around the time the XXXX data breach happened my info got out someone got a hold of it and made fraudulent charges to my account which resulted in a negative balance of XXXX this happened in XXXX of 2018 q I called the bank to let them know what happened and they didn't believe me or did they act like they cared they said they would get back to me and they never did and now this company is accessing my credit report and telling my credit report that I owe {$2000.00} and it keeps going up which my credit score went from being XXXX to now XXXX I've done so much stuff to bring my credit score up and I am so upset that this company keeps lying about how much I owe and bringing my score down
05/18/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	CA 93436	Web
Professional Collection Consultants sent my employer via US mail a fake wage garnishment letter. The letter stated false court report numbers. I contacted my local court and there was no evidence of the report number given by XXXX XXXX law offices on file. There were no stamps on the letter stating that judgement was filed. I do not have any debt. I have no collections. I have never heard of XXXX until writ was given to my employer. Never once had XXXX tried to collect money from me. I have no knowledge of this company or any debt that they claim I owe. I have nor never have I had a judgement against me. I do not appreciate these illegal and harassing tactics to collect a debt I do not nor have ever owed.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80016	Web
In XX/XX/2022, a collection letter was sent to me from Best Service. I sent a certified letter in response asking them to validate this money they alleged I owe. In XX/XX/2022, they sent a letter back basically saying " they've decided I owe this money, and have no reason not to pay it. '' However, they have not provided any documentation showing what the charges are for, any agreement with my signature or the original creditors. I responded back also in XX/XX/2022 with a cease and desist for failing to validate. They are still reporting on my credit and yet has sent me any reason that I owe this money. I've included copies of all letters sent and received. As well as a copy of my credit report.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92553	Web
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. XXXX XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00}
06/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92008	Web	Servicemember
As of XX/XX/2020 I have contacted both XXXX XXXX XXXX and their collection agency The Best Service Company to solve a collection issue that is two years old and I had to find out during a credit check. I noticed that the collection agency has only called me and left a voicemail, I can not recall the dates, and never gave me written notice of debts that are owed nor rights to dispute. XXXX XXXX has stated that I need to go through the collector in order to resolve the debt, but I have not heard anything from the collection agency. I'm also XXXX XXXX military and have noticed a plethora of charges on the account prior to sending to collections.
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91773	Web
These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ).
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91773	Web
These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ).
01/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92653	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
10/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32084	Web
The Best Service Company has been harassing me trying to collect a debt I do not owe. Although the original creditor sent me a letter XX/XX/XXXX stating that they did not have any record of the alleged debt this collection agency has been harassing, and report negation information to the credit bureaus. I am also here, reporting the unfair behavior of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, New Mexico for telling me on one hand that they did not have any record of this alleged debt, and on the other hand allowing their collectors to harass me XX/XX/XXXX. Enclosed is a copy of the letter from the original Creditor.
04/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 93535	Web
MID VALLEY COLLECTIONS FILED A CLIAM OUT OF VENUE DUE TO BEING CAUGHT BY XXXX XXXX OF XXXX COURTS ON XXXX XXXX SEPERATES ATTEMPS BECAUSE OF CASES I FILED IN HIS COURT ROOM HE KNEW MY WORK SHCEDULE AND THEM TO PROERLY SERVE ME AND THEN COM XXXX BACK INSTED THEY FALSELY FILED IN XXXX WHICH LEGALY OUT OF VENUE CLIAMING THEY SERVE ME ON THE XXXX OF XXXX THIS WAS A CREDIT CARD OF XXXX XXXX WHOM WENT OUT OF BUSINEES AND LEFT ME NO WHERE TO PAY THE ORIGNAL AMOUNT WAS XXXX THEY PLACED XXXX ON MY HOME AND TOOK XXXX NEED HELP TO RETREVE XXXX Back I am care provider for my disable daughter on fix income and suffering
11/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV XXXXX	Web	Servicemember
Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The Best Service Company since receiving this letter.
08/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94806	Web
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX , 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
06/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 903XX	Web
On XX/XX/XXXX I received a letter from my employer stating my wages were being garnished from XXXX XXXX XXXX, I've had no prior notice of this action or account i called and spoke with XXXX XXXX who told me this was a debt from a XXXX XXXX cell phone account in XX/XX/XXXX. i asked him what i could do i don't remember owing a cell phone company XXXX XXXX any money. The total amount due that is being garnished out my wage is XXXX. I never was properly served or gave a chance to contest this account, I did not have any knowledge of court hearings or dates to be present so I can represent my self.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency BEST SERVICE COMPANY Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
03/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92584	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX To Whom it May Concern, I, XXXX XXXX, had an account with XXXX XXXX XXXX XXXX XXXX. Due to COVID-19, I became unemployed and started applying for multiple jobs. Unfortunately, someone opened multiple credit accounts under my name without my knowledge. Although I was offered a deferred payment option, I could not take advantage of it due to my unemployment status at the time. However, XXXX XXXX XXXX XXXX XXXX processed the deferred payment without my consent, which caused a delay in bringing my account to a current payment status.
08/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85226	Web
on XX/XX/2021 i ran my credit report and notice a company name THE BEST SERVICE COMPANY XXXX XXXX had reported a collection account on my credit. Upon investigating it states this is from XXXX XXXX XXXX XXXX. My XXXX XXXX XXXX XXXX account was hacked and XXXX XXXX XXXX XXXX refused to investigate. After encountering NSF fees i called the branch to figure my options. The branch credited the account the negative amount and closed it due to the fraudulent activities. Now i am being billed for someone else fraudulent activities and the bank has refused to investigate
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93065	Web
The basis for my dispute previously was to let The Best Service Company know this account with them was opened fraudulently & have asked to cease reporting from all major credit bureaus & cease collection efforts. The Best Service Company then sent a letter asking to provide them with any documentation to support my claim. And would still violate my consumer rights I report this fraudulent trade line to all 3 major credit bureaus. Attached to this complaint is a copy of my Federal Trade Commission Identity Theft Affidavit as theyve requested from me.
02/18/2019	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	NV 89108	Web
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
11/19/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 90706	Web	Servicemember
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.
06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91326	Web
The debt in question was paid in XXXX 2014 and is still being reported to the national credit gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90706	Web
On XX/XX/2020 I sent a dispute letter to the best service company because the credit bureaus said that they verified the debt they are reporting on my credit report is correct. The letter basically requested a copy of the contract that I apparently signed with them along with other pertinent documents to prove that they have a right to report to the 3 major credit reporting agencies. As of today I did not receive any correspondence from them. I have attach a copy of the letter mailed to them along with the certified mail reciept
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75056	Web
I am reporting the following companies : THE BEST SERVICE and XXXX XXXX both companies are reporting on my credit reports for the same account. XXXX XXXX sold the account to The Best Service both companies are reporting different amounts for the same account I have made a dispute for both companies I have uploaded receipts showing account was paid before the collection was made to no prevail to have the accounts removed from my reports companies have given unexcusable results I would like upper management to look into issue.
02/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 502XX	Web
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The Best Service Company account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The Best Service Company. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
08/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91977	Web
The original debtor has removed themselves off of my credit due to inaccurately reporting on my credit to begin with. I never had a loan with XXXX and thats what they reported on my credit. I took this matter up with XXXX XXXX XXXX and was able to get the account removed. This collection agency has no account to link with on my credit and needs to be removed immediately as requested several times. Also I was never notified in wiring or via phone about this attempt to collect a debt yet it was added on my credit.
02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90221	Web
" Contract was cancelled '' ... '' NO CONTRACT '' The original creditor who was XXXX XXXX sold my debt to a collection agency which is The Best Service Co.Inc and they also wrote off my debt on their taxes. This wrote off my obligation to pay. The contract I had with them was cancelled, I no longer have a contract with them and the debt is being reported to all three credit bureaus by the collection agency that they sold it to. The results to have them remove this collection debt off all three credit bureaus.
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 93436	Web
Professional collection consultants came to my place of employment and are attempting to garnish my wages for a debt I die not owe not ever have owed. They are attempting to collect {$4100.00} that I do not owe to anyone. I have no judgements, public records or collections of any kind. Proffesional collection consultants need to issue my employer a letter stating that I do not not never have owed this debt and all attempts to collect alleged debt need to seize immediately. I have already contacted a lawyer.
10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web
I am not sure where the debt came from because I have never had a bank account with XXXX XXXX XXXX XXXX. I went to a branch that is about 45 minutes away from me and they could not help me. According to them they could not find an account in their system that bared my name or social security number. That said, The XXXX XXXX XXXX XXXX unknown/fraudulent collection accounts on my credit. I have reached out to them and I have not heard back but they verified the accounts belong to me- the don't!!
02/07/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92629	Web
I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
06/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95206	Web
I noticed on my credit report the company name the best service co/Ca is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
05/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 935XX	Web
I have no recollection of any business transaction with either " The XXXX XXXX XXXX '' or " XXXX XXXX ''. Currently these " organizations are reporting a delinquency with the XXXX major credit reporting agencies. After my own investigation I confirmed with the California Secretary of State th at neither " company '' has a valid and current Corporate status. In fact both have been suspended and are now illegally operating. XXXX XXXX XXXX
11/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92653	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95624	Web
I had an account with another person who ended up stealing my property, and identity. I tried multiple times both with letters and calls to the Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX to pay a debt which was never mine from the beginning, but I asked my relative to help since I travel 80 % of the time to pay the debt without interest. This company was rude, threatening, hung up the phone several times and REFUSED to accept payment.
02/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 502XX	Web
I have been trying to resolve this issue since XXXX of 2020. However, The Best Service Company fails to respond to certified letters asking for Validation of alleged debt under FDCPA. Enclosed is a letter that was sent with no response back period. The amount currently being reported is {$420.00}. I have been subjected to emotional and physical damages. Under the FDCPA, I am awarded upto {$1000.00} per violation. I have maintained excellent records.
06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SD 575XX	Web
On XX/XX/XXXX I received a letter from a third party debt collector by the name of The Best Service Company from XXXX XXXX California. It states I owe XXXX from XXXX XXXX XXXX XXXX. To this date I have no knowledge or admittance of ownership of this debt. It states it was from XXXX and it states they are charging a additional XXXX in interest. I also checked with XXXX XXXX if this debt was listed with them, it shows nothing in their system.
09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web	Servicemember
The Best Service Company in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.
05/13/2022	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	CA 92553	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/01/2018	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	CA 91709	Web
XXXX has been non-compliant with removing the unverified account BEST SERVICE COMPAN XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BEST SERVICE COMPAN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
07/22/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 958XX	Web	Servicemember
I had an account with XXXX XXXX XXXX XXXX. Fraud was committed on the account and a police report was filed and provided to the bank. I dispute owing the amount of {$1000.00}. This was a fraud case and all appropriate actions were taken to report and all police documents were provided to the back as requested. This item is being incorrectly reported and needs to be removed from my credit report. This is not a correct charge.
02/27/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91915	Web
I have repeatedly requested that The Best Service Company provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
11/10/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91915	Web
I have repeatedly requested that THE BEST SERVICE COMPANY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
09/21/2021	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	CA 95823	Web
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
06/02/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90022	Web
The best service co. didn't want to provide proof that I owed this debt. I asked for validation of debt and they refused to provide. They told me they were going to sue me. A year or so later they put a levy on my bank account without my knowledge. I don't believe I owe this debt since I had lost my purse with all my credit card, bank cards etc.. in it. I believe the best service co sued me through the XXXX court.
01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75056	Web
XXXX XXXX XXXX XXXX XXXX has reported false information on all 3 credit reporting agencies on my credit reports the company has placed and sent my account to an collection agency on XX/XX/2021 to company called The Best Service Company I have payments receipts showing account payments made. The company stated to collection agency no payments were made on the account please investigate this matter. Thank you
07/14/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 75035	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!
11/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90045	Web
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
06/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 84010	Web
On XXXX XXXX , XXXX - Best Service Company pla ced a derogatory on behalf on XXXX XXXX XXXX XXXX , my previous bank despite being placed into in the Chapter XXXX bankruptcy that was filed in XXXX and discharged in early XXXX . XXXX XXXX XXXX XXXX an d Best Service has acted in bad faith by placing a regulatory mark after 18 months of bankruptcy filing.
11/12/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93004	Web
The Best Service Company is reporting a collection for a jewelry account that I do not owe. My wife made a jewelry purchase, but returned it the next day. I wrote The Best Service Company to inform them of this fact but they have ignored my communication. The Best Service Company has placed this fraudulent collection on my credit report at all XXXX credit bureaus.
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90630	Web
XXXX isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.
05/22/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91977	Web	Servicemember
The company failed to notify me in writing of this debt. I found out due to it being reported on my credit. I never heard from the company at all and once I found out about it, I paid immediately. This account should have not put on my credit as it was reported to XXXX XXXX. I never applied for a loan or a credit card. This was over draft fees and etc.
02/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95691	Web
The company Best Service can not provide evidence that there is a wet signature of mine on the account that they are reporting as a collection. XXXX and XXXX are not reporting this as a collection. Only XXXX has this reported as such. This debt was never mine and the Best Service Company did not provide me any info on the validity of the debt.
10/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93550	Web
I tried to contact credit bureaus XXXX XXXX, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.
02/16/2020	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	CA 92596	Web	Servicemember
I file a fraud report back in 2016 with the county of XXXX Police department and submitted to all the creditor that it affected. But the information is still showing on my credit report and XXXX XXXX XXXX sold the account to a debit collector and now I have both of them reporting the debit to 3 credit agencies.
07/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 93436	Web
The Best Service Co. is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
04/29/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NM 87120	Web	Servicemember
I have a closed off account with a credit union in the XXXX XXXX, CA area. The credit union already reported my account as closed. The collection company that is attempting to collect the debt, is reporting the same debt/amount to the credit agencies. So it appears I have two delinquent auto loans.
08/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 93035	Web	Servicemember
The Best Service Company has inserted itself on my Credit Report and no information has been received by this company to date despite my attempts to dispute. Please do not call me I am represented by an attorney. If you do call me do not record ( REVOKED ). This debt does not belong to me at all.
08/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 93035	Web	Servicemember
The Best Service Company has inserted itself on my Credit Report and no information has been received by this company to date despite my attempts to dispute. Please do not call me I am represented by an attorney. If you do call me do not record ( REVOKED ). This debt does not belong to me at all.
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94580	Web
I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92311	Web
Fraudulent charges were made account that I did not do. I tried disputing multiple times and now it will let me dispute anymore and says it's accurate and put a demogotory mark on my credit preventing me from getting any other account. The bank is not even in business any more
02/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 79938	Web
The account THE BEST SERVICE CO/XXXX with account number # XXXX is still reporting this collection account to XXXX Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.
05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93536	Web
I have a debt collection that's reporting on my credit for a company that I did not authorize nor grant permission. The account was originally opened on XX/XX/2018 for a creditor that I have no knowledge of by the name of " XXXX XXXX '' in the amount of {$2500.00}
07/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 958XX	Web
I received a letter in the mail from a company I have never heard of did business with in any way, A debt validation letter was sent out on XXXX XXXX via certified mail with return receipt. Seeking validation for the alleged debt in accordance with FDCP guidelines
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92101	Web
The Best Service Company - I was told to contact this company to request proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.
12/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90011	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
10/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80122	Web	Servicemember
This is a debt form a bank account that I do not owe money on. I have contacted them about it years ago and its still on my credit report. The derogatory account is keeping my credit score low and keeping me from securing other needed credit lines.
08/17/2021	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	CA 95823	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
03/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37214	Web
I have never heard of this company nor have I received any documentation regarding oweing a debt. They have never tried to get in contact with me. I never opened this account and have asked twice now for proof that I owe this debt.
10/16/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94565	Web
I disputed something on my credit that is inaccurate providing proof the account is inaccurate and reported wrong. They will not remove it I have gotten it removed from my other credit account which I also provided proof of
11/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92078	Web
I lost my wallet a couple times with my information in there Driver license Social Security and credit card someone use my information and going to the XXXX XXXX XXXX XXXX XXXX now my name is in collection for {$8900.00}
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately! Best SERV CO ( original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/22/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 90706	Web	Servicemember
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
04/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53222	Web
Account should never have been in collections, written proof of debt requested TWICE via Debt validation letter. Sent certified mail with return address. No response. Needs to be removed from credit report.
01/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91604	Web
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. I was victim of identity theft and contacted by police.
11/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80004	Web	Servicemember
Best Service Company in collusion with XXXX XXXX XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these morons.
09/23/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90630	Web
Debt collection company continuous report/ increase my debt to credit bureau monthly by a {$1.00} to damage my credit. I believe its predatory collection practices and need to stop.
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
This is not mine. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX BEST SERVICE COMPAN Account Number : Please remove it from my credit report.
12/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92346	Web
The debt was disputed and removed from my report the debt was then sold to another company and the debt was re-aged. The original debt is over 7 years old and should be removed
02/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
05/23/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA XXXXX	Web
XXXXXXXX XXXX sent out money from my account,. un athorised. - not with my consent., over drafted my account and sent it to collection to the Best Service Co.
07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95677	Web
Account Name : BEST SERV CO Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$470.00} Reason : Identity theft Please remove it from my credit report.
06/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94509	Web
The best service company has inaccurately reported on my credit profile that I owe {$420.00} On an account that I do not own. Date XX/XX/2021
09/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93004	Web
They did not give me any information or a letter on what is the total amount but asking for to always say my social security number
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92344	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97603	Web
On XX/XX/2021 I settled my account in full with XXXX XXXX. This account is still showing a balance on my credit report.
03/22/2023	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	CO 80219	Web
These were fees charged for closing my account. Which is against the law. Im in process of contacting attorney.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77063	Web
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
04/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	CO 807XX	Web	Servicemember
Failed to notify of debt, paid debt and will not remove debt from credit report
11/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02135	Web
I never received a proof of debt after asking for one multiple times.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 91752	Web	Servicemember
this is not my account and hurting my credit
03/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NE 68111	Web
I do not have and account with this creditor
06/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91206	Web
this collection account not mine
01/22/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92706	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93705	Web

12/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92507	Web

11/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92584	Web	Servicemember

11/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94564	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97232	Web	Older American

08/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91754	Phone	Older American

07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CO 80222	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74110	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93711	Web

06/12/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92804	Web

05/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92508	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90712	Web

05/09/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92055	Web	Servicemember

05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85122	Web

04/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IA 52001	Web

04/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90022	Web

04/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92509	Web

04/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 74110	Web

02/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92509	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 56082	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89011	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91780	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92346	Web

11/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94591	Web

10/13/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92040	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94607	Web

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34761	Web

09/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 95301	Web

09/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90027	Web

09/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92505	Web

09/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79934	Web

08/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OR 97051	Phone

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92553	Web

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90008	Web

08/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94549	Web

07/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92117	Web	Servicemember

07/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92562	Phone	Servicemember

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93536	Web

06/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90059	Web

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92021	Web

06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 99208	Web

06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34761	Web

05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 34761	Web

05/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90630	Web

05/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80112	Web

03/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93023	Postal mail

03/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95833	Web

01/21/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 77380	Web

01/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90015	Web

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98105	Web

10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

10/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90502	Web

09/30/2021	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	CA 90003	Web

09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 52404	Web

08/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92570	Web

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 88310	Web

07/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92102	Web

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92625	Web

05/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95377	Web

05/14/2021	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	CA 93003	Web

05/14/2021	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	CA 93003	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92625	Web

04/12/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75070	Web

04/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95827	Web	Servicemember

02/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90008	Phone

02/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web

01/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98388	Web

01/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63376	Web	Servicemember

12/12/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	KY 420XX	Web

09/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98388	Web

09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92780	Web

08/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92804	Web

06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90274	Web

05/16/2020	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	CA 95209	Web

04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92354	Web

04/01/2020	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	CA 90706	Web

03/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60133	Web

02/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

12/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80004	Web	Servicemember

12/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98110	Postal mail

10/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95742	Web

09/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91360	Web

08/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85392	Web

08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92571	Web

08/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87108	Web

08/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91367	Web

07/26/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91710	Phone

07/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

06/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Referral

04/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90623	Postal mail

04/02/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94608	Web

03/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92346	Web

03/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90755	Postal mail

02/15/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95823	Web

02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95621	Phone

02/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91344	Web

01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68107	Web	Older American

12/07/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 92277	Web	Servicemember

11/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90017	Web

10/16/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 85140	Web

09/26/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85140	Web

09/21/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85140	Web

09/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

08/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92804	Referral

05/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91307	Referral

05/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

05/11/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94546	Web

04/27/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 80204	Web

04/25/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 912XX	Web

04/07/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91345	Web

04/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89178	Fax

04/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web

03/22/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CA 92629	Web

03/18/2018	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	AZ 85140	Web

01/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web

01/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95826	Web

12/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92592	Web

12/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92592	Web

12/06/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95648	Web

11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91401	Web

11/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92111	Postal mail

11/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91405	Web

09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97230	Web	Servicemember

08/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90249	Web

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90044	Web

03/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	KS 67210	Web

03/03/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	KS 67210	Web

03/01/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 78834	Web

02/09/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	UT 84054	Web	Servicemember

01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90806	Web

12/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92138	Web

11/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90247	Web

11/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11354	Web

11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 66207	Referral

09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 73083	Postal mail

05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92021	Web

04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90305	Web

04/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95632	Web

02/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94105	Web

01/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 95472	Referral

11/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91402	Web

10/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 92629	Web

09/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95453	Web	Servicemember

09/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95670	Web

06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NY 11580	Referral

06/04/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91010	Phone

03/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	CA 95476	Web	Servicemember

02/13/2015	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	TX 75287	Web

01/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94502	Web

01/15/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 93726	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85326	Web

11/25/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92028	Web	Servicemember

10/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90605	Web

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 90247	Web

10/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 95207	Phone

09/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92329	Postal mail

09/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount		Postal mail

08/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90262	Web

08/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95828	Web

07/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 90018	Web

06/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95351	Web

05/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15206	Web

05/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt		Postal mail

12/28/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 95126	Web	Servicemember

12/23/2013	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92008	Web

12/15/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91732	Web	Older American

12/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91355	Web	Servicemember

11/27/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 95963	Phone

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94601	Web

11/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 90019	Web

08/12/2013	No	Debt collection Auto	Communication tactics Threatened to take legal action	CA 93560	Web	Older American

07/27/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93648	Web

07/22/2013	No	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CA 95829	Web