| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1965 Experian XXXX XXXX, P. O. Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c
) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss
, or similar action.
CREDITOR CONTACT INFORMATION : CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX DC XXXX XXXX. Box XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX XXXX P. O. Box XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX XXXX P. O. Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXXT XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX DEALER SERVICES P. O. Box XXXX XXXX, NC XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
XXXX XXXX DC XXXX XXXX. Box XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX, I sent Credit Management LP, a dispute via their online portal, and certified mail, in regards to an alleged debt that I do not owe. The letter I sent is as follows : Request for VALIDATION, NOT Verification To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company. For record keeping purposes, an initial dispute was sent to Credit Management LP, via the aforementioneds website portal on XX/XX/XXXX, and the same was mailed, via certified mail, on XX/XX/XXXX. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX On XX/XX/XXXX, I received the following correspondence from Credit Management LP : Dear XXXX XXXX, Our office is in receipt of your letter questioning the validity of the above-referenced account. We have notified our client, XXXX XXXX, of your dispute and they have verified that the information on this account is true and accurate.
If you still dispute that you owe this amount, please provide us with additional details that will better assist us in getting this matter resolved with XXXX XXXX. Any documentation supporting your dispute would be especially helpful.
If we reported your account to the credit bureaus, please note that an update will be sent to them advising that the account is now in-dispute.
If you require any additional information from our office, you may contact our dispute team by phone at XXXX or by mail at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
The above referenced letter from Credit Management, in no way satisfied my legal request for validation ( or even verification ) of this alleged debt, that I do not owe. Credit Management LP ignored my request for validation or this alleged debt and ignored my request for the following What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under the Fair Debt Collection Practices Act, I have a legal right to request and receive validation of this account. To date, all I have received is an arbitrary number of the alleged charges that Credit Management claims I owe, and another arbitrary statement, that Credit ManagemenXXXX notified XXXX XXXX, and XXXX verified that this account is true and accurate. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.
In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, XXXX days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
I do not owe XXXX XXXX and I do not owe Credit Management LP. Should Credit Management LP continue to proceed with the collection activity, despite ignoring my request for true validation, to include attempts to collect via phone, email or mail of this unvalidated debt, or reporting this unvalidated debt, to any credit bureau, Credit Management will be in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. And I will have no choice but to bring suit, against Credit Management LP, for the maximum amount, per occurrence, that the law will allow.
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| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CREDIT MANAGEMENT LP bal. {$140.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) busin
ess days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 02/28/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a debt collection notice from the company, Credit Management , LP for the amount of {$400.00}. The notice claims this charge is from XXXX XXXX XXXX and was unpaid by me and sent to this debt collection company. This debt amount was from my late mother and father 's cable account. My mother died on XX/XX/XXXX and my father died, unexpectedly, last year on XX/XX/XXXX. This cable bill was actually only listed under my late mother 's name, but when she died, my father never bothered to inform XXXX of her death, and continued making the monthly payments until he died.
Last XXXX, as I was working towards closing all of his financial affairs, including his XXXX XXXX bill, I was told by the cable company that in order for me to do anything related to that account, I had to show proof of my mother 's death certificate and complete a change of ownership account into my name, which I did.
Once it turned over to my name, I proceeded to close the account. I had been clearing contents of my late father 's condo and included in the clearing was the cable box, which was so old I did not think XXXX would want it back, because the equipment box said " XXXX '' which was the cable company bought by XXXX several years ago. When XXXX asked me to return the equipment, despite how old and outdated it was, and after I told them I through it out, they issued me an equipment fee of something like {$200.00}. That amount, plus my father 's cable bill of another $ XXXX added to the {$400.00}.
The last communication I had with XXXX was in XXXX of XXXX to close the account, but I was told by the agent that the bill amount would be forgiven in light of my father 's passing. Of course, in hindsight, I should have requested a written confirmation of this, but in all honesty, I have been in non-stop trauma since XX/XX/XXXX of last year, because not only did I not get to say goodbye to my father when he died, I have now had to assume responsibility for the welfare of my XXXX adult brother who can not take care of himself. I am in month 5 waiting on Social Security XXXX to make a determination on whether my older, XXXX adult brother, will qualify for any financial benefits because- despite not being able to work for the past 20 years, and being cared for by my late parents all that time- they never applied for him to receive SSI XXXX benefits. I applied on his behalf so that the financial toll which has cost me considerably, could be lessened a bit. This debt collection nonsense was the last thing I needed to go through. I am a wreck.
Nevertheless, I am a financially responsible person, and always pay my bills on time. When I got this collection notice, I called XXXX who confirmed they sent my bill to collections. I never once received any notification from them that the bill was still outstanding. And the agent told me there was no record of the balance being forgiven on my dead father 's behalf. It is all especially insulting considering I have a XXXX account for my own home, and the fact that they could not link both accounts once I transferred ownership of my dead parents ' cable bill with my own is criminal. Because if the bill was still showing on my account, of course I would have paid it off. But it had been closed, and I never received notices that the bill was still outstanding, so how could I know I needed to pay it when the person told me it would be forgiven. I am so incensed. I believe this has had a detrimental affect on my credit report and I am furious. XXXX told me once it went to collections there was nothing they could do.
So on Tuesday, XX/XX/XXXX I called Credit Management , LP and I paid the debt with my checking account, which cleared from my bank on Wednesday, XX/XX/XXXX. I requested an email be sent to my email address confirming payment. They told me it would be sent in two business days. On Friday, XX/XX/XXXX, I still had not received an email confirmation. When I called back, they said they had no record of me requesting this email confirmation, which was very concerning, so I made the request again. They confirmed that the payment was showing as paid, but I still requested an email confirmation be sent so I could send that correspondence to the three credit agencies. I was told, once again, it would take two business days.
I have been through so much, and every day is a new financial struggle and responsibility ; I had not had a chance to contact this credit agency until today, Monday, XX/XX/XXXX, to inquire about the email confirmation as I still did not get one. When I called this morning, I was put on hold, for 20 minutes and then abruptly hung up on. I called back, now beyond furious, and told them that I will be contacting the CFPB and XXXX if they did not get me my email confirmation. They tried to give some obviously false excuse by saying they " attempted '' to mail me a confirmation but the address they had on file was not valid. I then said " Oh really, how can that be when you mailed me the XXXX debt collection letter to my dead father 's condo, which I have spent the past 7 months renovating because he and my XXXX adult brother were living in such squalor that it was nearly condemnable by the city of XXXX, so that address is still active because I got your letter a few days ago - the first one by the way - informing me of this debt collection notice, so how can it now be invalid. They have told me they will try to email me a confirmation by the end of today. I also requested a physical letter by sent to my own home address. But I do not believe them. I do not trust them. I am in trauma and desperately need help. Thank you and I apologize for this rambling email.
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| 09/06/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX of 2022, I received a letter from Credit Management LP. I contacted the company on XX/XX/2022, to dispute the debt. The representative assured me that there was nothing I needed to do and reassured me that the company would handle the dispute. I was advised by the representative to allow ten days for the dispute to process and was told that all collection activity would be terminated until the end of the dispute. I was NOT told by this representative to upload and or provide any documentation regarding the debt. My argument was that I had already paid the debt to the original creditor, XXXX. To be sure I understood, I had the representative clarify and reiterate whether the account would be reported to the credit bureaus while being investigated. I was told no by the representative and to expect another collection notice via mail if the debt comes back as verified, or unpaid. The representative stated that if I did not receive any further notices from the company by XX/XX/2022, then the debt was dismissed following completion of my dispute filled on XX/XX/2022. Although I received no updates regarding the dispute, nor documents verifying the debt, the account was reported to the credit bureaus XX/XX/2022. I then contacted XXXX to ask why the debt was reporting as unpaid. That is when I found out that I made an honest mistake and did not make a payment on my final bill. However, because the account was disputed by myself, and because I requested verification that I still owed the debt, Credit Management was legally supposed to send me a bill, signed contract, or anything to legally tie me to the debt, even another notice to collect the debt being that the balance had not been paid as I originally thought. Had I received a second collection notice after the dispute was closed, I would have immediately made a payment to avoid any collection activity. Me assuming the balance had been paid was an honest mistaken, I had just relocated to a different state. Which was the reason behind the dispute. I received no communication about the dispute after it was filled, or any further notices by mail. Even after updating my contact information with Credit Management on the day, I called to dispute the account, no one reached out. I assumed at that point the debt had been verified as paid. It wasn't until after it was reported to the credit bureaus that I realized my mistake. Though, Credit Management refused to notify me of additional collection attempts, prior to reporting the debt. Even after I disputed the debt, Credit Management failed to show me any validation that I still owed the debt. Again, had I received proper communication, or a second collection notice after the dispute, I would have made an immediately payment. Especially being that I now understood why I still owed the debt and certainly to prevent any further collection activity.
On XX/XX/2022, I contacted Credit Management to see if the debt would be removed from my credit report once full payment is received. I was told no ; the debt would remain, and the account would be updated to closed once paid. The representative did notify me that an account can be removed under some conditions. I was also informed on this day that when I called to file the dispute on XX/XX/2022, I was supposed to upload documentation to show that the debt had been paid. Which was something the representative failed to advise me on XX/XX/2022. The only information I was provided on that day was to allow ten days for the dispute to be processed. On XX/XX/XXXX, the representative also told me that there were several attempts made to contact me via phone regarding the debt. I asked the representative if it were the contact number which I updated with the company, and she replied with the number in which I no longer have access to. So, what that means is that when I spoke to the representative on XX/XX/2022, and provided my up-to-date contact number, he had not updated it. Which would explain why I didn't receive the phone calls, due to a mistake on behalf of the representative. In all, I was not provided accurate information, or full details, when it came to disputing the account with Credit Management, I received no additional communications by phone since my phone number had not been updated as requested, nor was I provided validation of the debt or even a second attempt to collect the debt after disputing and before the debt was reported to the credit bureaus ( although Credit Management has my correct mailing address on file ). I feel as if the assistance I received was very poor and could have been better. Had I received the proper knowledge to dispute the debt, and had I received a collection notice after disputing the debt, I would have made an immediate payment. The laws under the FCRA were broken in this situation, and I am the one who must pay for such. Because I owe this debt, I have no problem making an immediate payment. However, I will not make said payment and settle with the account still showing on my credit report. All of this could have been avoided. Yes, I made a mistake by assuming I paid the final bill with XXXX, however, had I received proper information following my dispute, a payment would have been made where necessary, to avoid any further hassle.
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| 01/21/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good Evening, I'm a shocked, surprised and concerned consumer because I was just browsing through my credit report and noticed an unknown negative collection account on my credit report. I've attempted to call this company several times today and honestly I can not get anywhere and no one is answering my question. The company in question is CREDIT MANAGEMENT LLP for {$76.00}. I know it's not much but I'm unaware of this company or this balance. I only had 3 credit cards open and never owed any since I got to this country 5 years ago. I'm sure this is a mistake but I'm looking to purchase a house for my little ones in the near future and I just don't want to hinder my ability, and that's why I'm constantly and vigilant about my credit profile. I know how credit is super important here in us. Well, after careful research today, I'm asking for full validation of this debt.
This letter is regarding the account shown above, which you claimed to the credit bureaus ( XXXX, XXXX, and XXXX ) that I owed you {$76.00}. This is a formal notice that your claim is disputed.
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I aggressively request that your company provide me with physical evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX, XXXX or XXXX, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 10/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXXXXXX Credit Management LP XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to responses sent to me from your company, via the Consumer Financial Protection Bureaus portal, and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Your response to me, on XX/XX/XXXXXXXX included the following documents : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Per Credit Management LPs CFPB response on XX/XX/XXXX, the debt notification was sent to email XXXX and Credit Management LP presumed as it was not returned undeliverable that is was delivered. The email XXXX, which is comprised of the names XXXX, not XXXX XXXX, does not belong to me, nor does the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX listed XX/XX/XXXXXXXX notice. Due to Credit Management LP not doing due diligence, by sending the debt notification of this alleged debt to the wrong email and address, I was robbed of my right to timely dispute. I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, nor have I ever opened a XXXX account in my name.
Per 12 CFR 1006.18, a debt collector must not use any false representation or decep-tive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Credit Management LPs failed to adhere to FDCPA and FCRA by failing to send me a proper notification of debt and inputting erroneous and incorrect infor-mation on my credit report. Credit Management LPs failure to ensure this is a legiti-mate debt that actually belongs to me has caused me undue financial hardship and deni-als.
To be clear, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay Credit Management LP what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Show me the purchase agreement of this alleged debt from XXXX to Credit Management LP Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that as your office has reported invalidated information to all of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action constitutes fraud under both Federal and State Laws. Due to this fact, if any negative mark/account continues to remain on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any continued action occurs, which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 06/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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XX/XX/XXXX To whom it may concern : At the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of Credit Management , LP.
This collection agency is charging me for money that I do not owe, and I want any and all derogatory fraudulent collection information that they have placed onto my credit files removed.
With the assistance from a representative from XXXX XXXX XXXX, him being on the phone, In XXXX of XXXX, I had purchased online, on sale and from XXXX XXXX XXXX. a washer, and a mattress, and box spring set, these items were being sold under one of their big promotions, as well as a, Save the Tax sale.
The mattress set that I had purchased, turned out to be defective, and ended up having a sink whole it the mattress that caused me great pain and discomfort throughout my body, as well as, the mattress set came full of bed bugs.
When I initially contacted XXXX XXXX about the problems with the bed, they wanted to do nothing about the problems that I was having, and they ignored me.
Upon further research, I found out that I was not the only XXXX XXXX customer that had, had problems with this mattress set that they were selling.
XXXX XXXX refused to put me in contact with the manufacturer of the mattress set, and in XXXX, both they and XXXX XXXX, were contacted by an attorney on my behalf.
( Copy of letter attached ).
After months of them not acknowledging my letters, I filed a complaint against XXXX XXXX. I wanted them to understand that I wanted my money back, as well as I wanted some compensation for the pain and suffering that I was enduring sleeping on that bed.
I had not retained an attorney as of yet, but I did consult with one, and I was going to file a claim in small claims court.
After XXXX received my last contact to them, they decided to pay {$780.00} to replace my mattress under the warranty, and of which the payment went directly to XXXX XXXX, this was supposed to be reimbursement for my defective mattress, I never received any funds.
In the beginning XXXX XXXX wanted to do nothing about the mattress, then when they received the funds from the manufacturer, they wanted to dictate what was supposed to be done with the money.
I wanted to purchase a replacement mattress by another manufacturer, due to the fact of the reputation that I now know of XXXX mattresses, but XXXX XXXX insisted that I had to purchase a XXXX mattress as my replacement, they would not let me choose anything else.
The representative that I was dealing with from XXXX XXXX seems that she was making up her own rules of what was going to take place as far as my replacement mattress, she seemed as though she was superseding in everything that was going on, I was never allowed to speak to the representative she called XXXX, from XXXX.
The pricing of the mattress, everything, she made sure to ring every XXXX out of the refund, and even wanted to charge me even more on top of everything else for the replacement of the defective mattress.
I have a replacement XXXX mattress again, and this mattress is no better than the one that was replaced.
They had made the replacement selection so miniscule, that I ended up with a piece of trash again.
In my initial purchase order, I had paid XXXX XXXX for a mattress, and box spring set, so it had 3 parts to the bed, they only replaced the top mattress, and left me with the bed bug ridden box spring.
I am still fighting the bed bug issue that XXXX XXXX has caused in my home.
At the time of the initial purchase back in XXXX of XXXX, when I ordered the washer, and the mattress set, I had paid up front at the time that I placed the order, {$580.00}.
And since XX/XX/XXXX, to XX/XX/XXXX, I had made monthly payments in the amount of {$670.00}.
All of the money that I have paid in comes up to {$1200.00}, and on top of that XXXX XXXX has paid to XXXX XXXX {$780.00} for the replacement of the defective mattress.
XXXX XXXX has been paid, more than in full, they received {$2000.00}, and I do not owe them nor this collection agency Credit Management , LP, another dime.
I am providing proof that I had closed my XXXX credit account because they are not a reputable merchant, and if this collection agency has made any change on my credit files to reflect anything different, they need to make the correction.
I have been considering for some time now is to take XXXX XXXX XXXX to court, because what they have done is despicable.
The only reason I have not done so as of yet, is due to the fact that I am a XXXX citizen, with health issues, and this pandemic has stopped me for now, till things change for the better.
I want this collection agency to cease and desist from contacting me ever again. Credit Management, L.P, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.
|
| 05/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
| 12/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You ( Credit Managment LP ) You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION Against ( Credit Managment LP ) 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 Says you { Credit Managment LP } are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Account name Acct # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
|
| 09/01/2020 |
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
- Was not notified of investigation status or results
|
|
Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/2018 Credit Management RE : Accounts # To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 07/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 08/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I was sent a bill on behalf of XXXX XXXX ( XXXX ) from a company called Credit Management LP. for a bill in the amount of {$230.00} for a bill I do not owe to XXXX XXXX. I currently have service with them for over 12+ years and my account is currently in good standing and active.
In XX/XX/XXXX I moved from my old home to my new home. I asked for XXXX to move my current services to my new location. I spoke with someone from XXXX and they said no problem. The customer service representative said he would even give me a discount with my internet services since I had a child doing online school due to Covid.
Apparently, the customer service person was an employee in sales created an entire new account number ( without my knowledge ) so they could get a sales incentive. This alone is unlawful practice. I still had my same phone number and all the services, nothing changed that I was aware of.
After moving into my new home I realized I could not log in my XXXX XXXX services with my XXXX application and called customer service, Someone from customer service stated I had two accounts ( which I did not -- I still had my same account i had 12+ years ). Unknown to me, I was told they would have to switch my new account back to my old account, I said well I should not have 2 accounts and I should still have my original account. The person did some behind the scenes, gave me credits on my account and told me do not pay any old bill just pay the new bill that will be sent to me. I have continued to do this, however I am now sent a bill from a creditor ( which I do not owe ) all so an employee could get sales credit by setting up an entire new account I did not ask for.
Fast forward to this week I called because my home phone service was not working and many people stated they had been trying to call me, including my child 's teacher. I called to let XXXX know my phone line was not working and I had the phone service since XXXX. My bill says my phone number was my old phone number however I was given a new phone number due to my old phone number apparently not porting over. I have never had home phone service until Friday XX/XX/XXXX but have been charged since XX/XX/XXXX when my services was moved.
I am not only being billed for services I did not have, but it is now even messing with my credit with deceitful business practices so XXXX can get " sales. '' I am now a product of not only having to change my phone number that I was billed for for over 6+months, being told I have 2 accounts, and I owe a debt that I do not owe all so a company can get incentive. I pay my cable bill on time and was paying it ahead of time.
I have been a customer for years and to be treated unfairly all because I moved to a new home where the wifi doesn't even work half the time and my house phone has only been working for 1 DAY proves I am not a valued customer but you are personally messing with my credit and overcharging me for unfair sales practice.
Please remove this information from my credit ( and if I owed the money ) why would I still have my current service?
Also, please remove the charges for my house phone for 6+ months as that has not been in use.
I do not owe XXXX any money as of today. Please remove the debt from my credit from Credit Management LP and restore my credit immediately. Also, please train employees to not sale items or create new accounts unless asked. I am a victim of a sales scam within the company. Please make your wrongs, right.
|
| 02/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( XXXX ), which has reported a collections account on my credit report using Credit Management LP for the amount of {$50.00} that originated from incorrectly charging an old account from XXXX. The account has been reported in error, as I do not owe any debt to this company. I have been a long time customer and have proof of payments for all valid charges.
I have disputed this attempt to collect multiple times and and it was successfully removed from my credit report through the bureau 's. I have provided documentation on the successful removal and the information I submitted to get it successfully disputed. However, XXXX has contracted with a new collections agency, Credit Management LP, and the account has reappeared on my credit report. I believe this action violates the Fair Credit Reporting Act, which requires that information reported to credit bureaus be accurate, complete, and verifiable.
This collections account is negatively impacting my credit score and my ability to obtain credit, including a mortgage for a home purchase that is currently in progress. I am concerned that this will result in a higher interest rate and financial harm to me in the next 30 days. My wife is also XXXX weeks XXXX and this is causing significant mental and physical stress on her and the baby. I am concerned for my family 's well being. I am also concerned that I'm being keep from my account information.
I have attempted to resolve this issue with XXXX directly, but have not received any written documentation acknowledging their mistake. However, XXXX credited my account for the amount of the collection on XX/XX/XXXX, which I interpret as an admission of their error. An agent named XXXX guaranteed that I would be able to see my credit statement within 24 hours after his manager approved the call, which would at least give some documentation to send to the agencies. I have just spent 2 hours on the phone again, Sunday, XX/XX/XXXX, trying to get access to my account so I can at least see the statement credit for the charged error. I spoke with XXXX, XXXX, opened a ticket and now have been given another phone number to try to get access to my account. XXXX also assured me that it was not possible for her to write in my account number in the notes for the ticket to a supervisor so the supervisor knew exactly which account I'm trying to access. I then called again and talked to XXXX, she assured me this was a lie and I can certainly provide the account number in notes to supervisors to help them resolve my issue. The best answer I have heard is a supervisor might call me in 3 hours. Otherwise, they said the only option is to go into a store front and attempt to access there, which doesn't seem correct and does not guarantee me access to my information.
I am requesting that the collections account be immediately removed from my credit report and that XXXX ( XXXX ) provide me with written documentation that the account has been deleted. I also request that XXXX ( XXXX ) provide me with written confirmation that they will not sell, transfer, or place the debt with any other collection agency.
Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to process my complaint. You can reach me 24/7 by phone or email. I will be eagerly awaiting your response and I'm hopeful we can find an expeditious solution.
|
| 02/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : Due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My name is XXXX XXXX I writing this complaint against Credit Management LP Account # XXXX, Original Creditor : XXXX XXXX. They are committing FRAUD according to Attorney General 's Office I am resident of Florida. I just recently found out they place this collection on my credit report without my knowledge. The representative at the Attorney General 's Office informed that they have no right to collect in the state of Florida because they are not license or nor do they have a registered agent. So, trying to collect money in a state that you are not license is major violation of Federal, State, FCRA and FDCPA committing FRAUD. I also am afforded protection as a consumer and they have violated FCRA Sec 605 ( c ) and FDCPA Sec 809 ( b ) according to what I read on the FTC website. The Attorney General 's Office stated they have been hearing a lot complaint about harassment against Credit Management LP. So, they wanted me to tell them the out come if this item is not immediately deleted from my credit report. They also told me to send a letter and write this complaint. They say for me to seek damages against this company if they can not prove the following if they refuse to remove this item. So, please provide the following : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork.
______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased?
____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants CREDIT MGMT the authority to collect this alleged debt.
Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.
Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.
Please attach copies of all statements while this account was open.
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for CREDIT MGMT, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ _________________________________________ Authorized Signature For Creditor Date __________________________ Print Name All I want as consumer for this to be taking off my credit report. That will settle everything if not we will pursue legal matter.
|
| 10/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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 since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action constitutes as identity theft fraud under both federal and state laws.
Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent.
I am bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act 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.
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 closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. In addition, I am formally requesting {$5000.00} for the violations.
It would be advisable that you and your client assure that your records are in order as I am now taking 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 he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent since legal action is 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.
|
| 10/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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 can 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 he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY 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.
|
| 07/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
XXXX, XXXX XXXX XXXX XXXX also allegedly conducting commerce as XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX mailed XX/XX/XXXX notice received XX/XX/XXXX for an alleged XX/XX/XXXX medical service. Attached account billing ( Alleged XX/XX/XXXX, billing never received by XXXX ) was 1st received 344 days after alleged service. There have been 17 emailed disputes ; each stating : Please provide by return email all evidence of validity of this debt ; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX, all insurance billings, all insurance denials and the name and address of the original creditor. Please provide by return email as XXXX delivery is imperfect and unreliable.
XXXX XXXX return emailed attached XX/XX/XXXX ( XX/XX/XXXX, CLOSING TICKET XXXX - Ticket Resolved XXXX ) and XX/XX/XXXX ( XX/XX/XXXX, CLOSING TICKET XXXX XXXX - Re_ Ticket Resolved XXXX ) ticket # XXXX closing ticket ticket resolved.
On XX/XX/XXXX avoiding the provision of the requested : validity of this debt ; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX, all insurance billings, all insurance denials and the name and address of the original creditor. Please provide by return emailed as USPS delivery id imperfect and unreliable XXXX XXXX received the attached ( XX/XX/XXXX, harassing phone call from Offices of Credit Management using scam number XXXX ) harassing phone call from Offices of Credit Management interrupting his work obligation to his employer.
On XX/XX/XXXX at XXXX avoiding the provision of the requested : validity of this debt ; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX , all insurance billings, all insurance denials and the name and address of the original creditor. Please provide by return email as USPS delivery id imperfect and unreliable I received a harassing phone call from, Offices of Credit Management, XXXX interrupting my contractual obligation to my employer.
Before reporting to law enforcement, for protection from clear threatening harm, I asked my husband to call the attached XXXX. XX/XX/XXXX phone records verify he called Offices of Credit Management @ XXXX and XXXX refused to provide the requested Offices of Credit Management email address and purpose of XX/XX/XXXX call to XXXX and XX/XX/XXXX call to me.
XX/XX/XXXX phone records verify my husband called Offices of Credit Management @ XXXX and XXXX XXXX refused to provide the requested Offices of Credit Management email address and purpose of XX/XX/XXXX call to XXXX and XX/XX/XXXX call to me.
XX/XX/XXXX phone records verify my husband called Offices of Credit Management @ XXXX and XXXX XXXX refused to provide the requested Offices of Credit Management email address and purpose of XX/XX/XXXX call to XXXX and XX/XX/XXXX call to me. Ms. XXXX did answer the issue involved XXXX XXXX but refused to provide any additional supporting details.
XXXX, XXXX XXXX XXXX XXXX please immediately email alleged issue fully resolved, with cc to all parties or all evidence of validity of this debt ; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX, all insurance billings, all insurance denials and the name and address of any collectors you have chosen to conduct the above described activities.
|
| 08/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I sent CREDIT MANAGEMENT a cease and desist order with a debt validation letter attached on XX/XX/21 certified mail with green receipt # XXXX XXXX XXXX XXXX XXXX. I received my green receipt back to my location on XX/XX/21 and it shows that an individual named XXXX signed confirming that both letters were received on XX/XX/21. This individual is an uninterested party in this matter and my privacy has been breached numerous times by CREDIT MANAGEMENT. First and foremost, I am unsure of who this corporation is and how they received my private information. I do not recall ever doing any business or sharing any of my private information with CREDIT MANAGEMENT and they have violated me several times. In return I demanded in my cease and desist order that CREDIT MANAGEMENT send me an audit trail, respond to debt validation letter so that I can exercise my right in validating the alleged debt, send me ALL documentary evidence and any contractual proof showing that I am obligated to pay the alleged debt, and lastly, deletion from all consumer reports/files. It has been 9 days since an agent for CREDIT MANAGEMENT has received my letters and they have failed to respond in writing as demanded and I have not been granted my right to validate the alleged debt. CREDIT MANAGEMENT is in violation of 15 USC 1692g ( a ) under the FDCPA ( Fair Debt Collection Practices Act ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Furthermore, they have furnished information on my consumer reports/files and refuse to remove themselves after several requests from me to do so. Congress finds that this is a violation of the FCRA ( Fair Credit Reporting Act ) ,15 USC 1681b. I did not give written or oral consent to CREDIT MANAGEMENT or its affiliates to report anything to any of my consumer reports/files nor did I receive an option to opt out of having any of my private information shared. CREDIT MANAGEMENT is liable of committing both identity theft and fraud. I need this matter to be resolved immediately due to the fact that my privacy has been violated, my character has been defamed both libel/slander, and CREDIT MANAGEMENT has also harmed my credit worthiness and reputation. I demand that CREDIT MANAGEMENT responds to this matter immediately so that I can exercise my rights, gain my privacy as well as my good credit worthiness and reputation back.
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| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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the number being dialed is my parents phone number, separate residence, separate phone, separate city 's, on the caller id is the same number 3 times today the cmi group XXXX at XXXX XXXX XXXX, again XXXX XXXX, and XXXX XXXX same date and time auto-dialing *robocall and leaving no voicemail then hanging up, this number is also a donot call registry number, contacted the company and their contact information is as follows. credit management XXXX texas XXXX the debt in question is a XXXX debt that i am disputing however i informed them to remove the number they would not say how they obtained the number as well they have violated multiple laws ftc donot call laws auto-dialing*robocall a donot call number listed on the donot call registry, and repeatedly dialed in a attempt to harass and obtain communication this also violates multiple fdcpa, ftc, fcc laws as well as cfpb. I am more then willing to press charges in court on the company each instance is a fine of {$2500.00} paid directly to the individual this has occurred 3 times in one day. again the company was not given this contact number of my parents nore the original company comcast. the evidence is proof of violation of laws and harassment. call logs are avail. and recorded calls..
What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not : use threats of violence or harm ; publish a list of names of people who refuse to pay their debts ( but they can give this information to the credit reporting companies ) ; use obscene or profane language ; or repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they are n't ; or indicate that papers they send to you are n't legal forms if they are.
Debt collectors also are prohibited from saying that : you will be arrested if you do n't pay your debt ; they 'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so ; or legal action will be taken against you, if doing so would be illegal or if they do n't intend to take the action.
Debt collectors may not : give false credit information about you to anyone, including a credit reporting company ; send you anything that looks like an official document from a court or government agency if it is n't ; or use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not : try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law - allows the charge ; deposit a post-dated check early ; take or threaten to take your property unless it can be done legally ; or contact you by postcard.
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| 02/10/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Hello, I am writing in regards to a collection that was reported on my credit report by Credit Management LP. I was recently made aware of the collection by a consultant reviewing my credit report on XX/XX/2022. The consultant recommended contacting the Credit Management LP to see if it could be deleted from my credit report. I contacted Credit Management LP on XX/XX/2022 at XXXX XXXX and spoke to a representative. I provided the acct # that was on my report and ask how to have it deleted, the representative confirmed that they ( Credit Management LP ) had no information except the name of the creditor. They did not have contact information for the creditor, the amount due nor any other details- just the name. I demanded to have the claim removed from my report and was told that they would not do that and that they would put the acount on hold for 10 days until they could find information. They refused to do more then to notate their file about the conversation. We ended the call but after thinking more about it I called back ( at XXXX XXXX the same day ) because it seemed fraudulent to me for them to report something to my credit report without having any information to provide to me. Also, I never received any information about the claim in the past and this was the first time I heard anything about the claim. On this 2nd call with XXXX, a representative, l made the same demands to have the claim deleted from my credit report and was told that there was nothing they could do and that I should call their Customer Relations dept. I then demanded to speak to supervisor ( XXXX. ) and after several requests, was finally in contact with XXXX She was understanding and even mentioned that they're not supposed to report claims without going through process to verify. She would not delete the claim and gave me the Consumer Relations # ( a different # then was provided by the 2nd representative ). I tried the # provided by the supervisor the following day during their business hours ( XXXX ) XXXX # but the phone put me on a long hold and then hung up. I tried calling a few times with the same result but finally go through to a voicemail that took messages. I left a voicemail. The following day ( XXXX ) I called the # provided to me by the 2nd representative and someone answered to no avail. He was dismissive and said that I could submit an email dispute but nothing he would do to help resolve the matter of their fraudulent claim.
It seems unreasonable to me that a company can submit a claim on my credit report and not be able to provide any information about that claim and never providing any notification about the claim before they submit it to my credit report. Also, shouldn't the credit companies do more to protect consumers they collect this information on from false accusations and baseless claims?
The amount of the claim on the report is less than {$100.00} but it's keeping me from getting a credit score that will save me thousands on my home purchase. This is something that I was never made aware of and I have no clue what it is for. If it's something I owed, I would have paid... it's less than {$100.00} for goodness sakes. Please help!
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Credit Management LP have violated my privacy per the Privacy Act of 1974 They have reported false information to the credit monitoring agencies regarding an alleged debt from XXXX. XXXX did not inform me that they would be sharing my personal information to a non-affiliated third party. This is a violation of my privacy per the Privacy Act of 1974. My nonpersonal information is being sold and shared without permission. XXXX has violated my privacy by sharing my information with a third party non-affiliate. I've never received proof of debt, I never received the information to opt out of reporting per 16 CFR 313 and per USC 1681S-2 debt collectors can not report before the ORIGINAL creditor. I received an email from XXXX notifying me of an update to my credit report. I have no consumer agreement or any contract with XXXXredit Management LP that would give them the right to report any adverse information to my credit report. Per Credit Management LP and Comcast Inc have violated several Federal Codes including but not limited to : 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR 1026.21 - Treatment of credit balances 1026.21 Treatment of credit balances. When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Privacy Act of 1974.
I have an open fraud case with XXXX XXXX for identity theft further violating my privacy.
|
| 09/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Yesterday I received a call from collection agency attempting to collect a debt.
The woman said I owed XXXX {$300.00} for services in XXXX Michigan, I live in New Jersey.
This is the XXXX call I received in reference to a debt owed to XXXX.
I advised the woman I never lived in XXXX, MI and she had the wrong person.
She then told me in order to clear this up I must call XXXX.
So I called and was informed I must go to my local XXXX agency and get a paper.
I then went to my local XXXX center in XXXX, NJ on XXXX XXXX.
I then waited in line and got to the window and informed the employee of the above referenced situation.
She then asked for my id driver 's license.
I went to my automobile to retrieve them.
Upon returning I was told to wait in line again so I did.
Then when it was my turn again I showed the employee my license id but advised her she could only look at them but she could not take them.
That 's when another customer behind me heard our conversation and decided to intervene.
I told this customer that this was none of her business.
That 's when the other customer began cursing at me and becoming belligerent and asking for the supervisor.
I then decided to ignore this customer and continue to my business.
The employee then asked me to take my letter out of my envelope so she could get the information that was written down on the envelope.
I refused to because the letter contained again very personal information of my investments.
That 's when XXXX more employees came to the front window and asked me for my social security number.
I advised them I would write it down because there was no privacy the other customer was listening and saying she was waiting for a supervisor.
I then asked for security because I felt threatened because this other customer began sitting around walking in and out the door and saying she would do harm to me.
The employees working for XXXX felt it was okay because this woman wanted to speak to a supervisor.
The next employee wanted to know how many states accounts were opened in my name.
I advised her XXXX
Then the same employee that asked for my social security number said I had to do the identity theft affidavit.
I told her I gave this office XXXX before and would go to my car to retrieve and submit again.
Upon returning I waited in lie again until it was my turn and submitted the employee the affidavit.
The employee refused because my social security number was n't on it. Law enforcement scribbled it out.
But I wrote it down again for the employee.
The employee then took the paper in the back and came out and said it was unacceptable without my driver 's license number on it.
I advised her that she could look at my license but she could not write the number down.
Then she said too bad there was noshing she could do for me and good luck.
My driver 's license number is the only number identity thief 's do not have.
I feel it 's my only personal information I have that can prove who I am and I can not give it out or write it down.
Please help I can not afford for this to be on my credit report.
Thank youXXXX XXXX
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Subject : Dispute of Inaccurate Credit Reporting by Credit Management LP - Account No. XXXX Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the accuracy of an item on my credit report, which has been reported by Credit Management LP. The information pertains to an account with the original creditor XXXX XXXX, with the account number XXXX. The details of the disputed item are as follows : Balance : {$400.00} Balance Updated : XX/XX/2023 Original Balance : {$400.00} Date Opened : XX/XX/2023 Account Type : Collection Account Status : Collection account. {$400.00} past due as of XX/XX/2023.
Status Updated : XX/XX/2023 I firmly believe that there are violations of consumer protection laws and the XXXX XXXX Reporting Guidelines in the reporting of this account, and I am writing to formally request an investigation into this matter. The inaccuracies and violations I have identified are as follows : Lack of Verification and Validation : According to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt and verify its accuracy. I have not received proper validation and verification from Credit Management LP regarding the debt in question.
Inaccurate Reporting : The account is being reported as " Collection account. {$400.00} past due as of XX/XX/2023. '' This statement is misleading and inaccurate, as the debt has been fully paid off and has a balance of {$0.00}. The reporting is in direct violation of FCRA, which mandates accurate and up-to-date reporting of consumer accounts.
XXXX XXXX Violation : The XXXX XXXX XXXX Guidelines are designed to ensure accurate and consistent credit reporting. The reported information is not reflective of the true status of the account and is therefore in violation of these guidelines.
These inaccuracies and violations have a significant negative impact on my credit history and financial well-being. I kindly request that you conduct a thorough investigation into this matter in accordance with the FCRA and other applicable consumer protection laws. During the investigation process, I ask that you take the following actions : Contact Credit Management LP and request that they provide documented evidence of the debt, including verification and validation of its accuracy.
Verify that the reported account information is compliant with the XXXX XXXX Reporting Guidelines.
Update my credit report to reflect the accurate and correct information regarding the status of the account in question.
I am providing copies of relevant documentation, including payment records and correspondence with Credit Management LP, to support my dispute. I trust that you will promptly address this issue and provide a resolution in accordance with the law.
I would also like to bring to your attention the specific consumer protection laws and guidelines that pertain to this dispute : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) XXXX XXXX Reporting Guidelines
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a letter from CREDIT MANAGEMENT LP In attempt to collect a debt from XXXX behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree, pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me. CREDIT MANAGEMENT LP. contacted me on several Occasions after telling to cease all contact with me, in which was all on a recorded line, A debt collector for the company CREDIT MANAGEMENT LP by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which resulted in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. CREDIT MANAGEMENT LP contacted me again at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of such additional damages but not exceeding {$1000.00} per violation. I, XXXX XXXX Natural Person, Consumer And Original Creditor ; I demand that you remove this from my consumer report within 30 days.
|
| 02/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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A debt for {$780.00} has been on my credit report since XX/XX/2018 from COLLECTION company called CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX, TX XXXX. XXXX ) XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is not a request for verification or proof of my address, but a request for VALIDATION made pursuant to the above named Title & Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you. If any negative mark are found on any of my 3 major credit bureau 's this action might constitute fraud under both Federal and State Laws. I will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT, REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION, PRACTICES ACT, & DEFORMATION OF CHARACTER.
IF your office are able to provide the proper documents as requested in the following declaration, I will request at lease 30 days to investigate this information. If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted & completely removed from my credit file & a copy of such deletion request shall be sent to me IMMEDIATELY.
CEASE AND DESIST.
CREDIT/DEBT COLLECTOR DECLARATION 1. NAME & ADDRESS OF ALLEGED CREDITOR 2. NAME ON FILE OF ALLEGED DEBTOR 3. ALLEGED ACCOUNT # 4. ADDRESS ON FILE OF ALLEGED DEBTOR 5. AMOUNT OF ALLEGED DEBT 6. DATE THAT THIS ALLEGED DEBT BECAME PAYABLE 7. DATE OF ORIGINAL CHARGE IFF OR DELINQUENCY 8. WAS THIS DEBT ASSIGNED TO DEBT COLLECTOR OR PURCHASED 9. AMOUNT PAID IF DEBT WAS PURCHASED 10. COMMISSION FOR DEBT COLLECTOR IF COLLECTION EFFORTS ARE SEUCCESSFUL PLEASE SEND A COPY OF THE AGREEMENT WITH YOUR CLIENT THAT GRANTS JEFFERSON 'S CAPITAL SYSTEM THE AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PLEASE SEND A COPY OF ANY SIGNED AGREEMENT DEBTOR HAS MADE WITH DEBT COLLECTOR OR OTHER VERIFIABLE PROOF DEBTOR HAS A CONTRACTUAL OBLIGATION TO PAY DEBT COLLECTOR. PLEASE SEND INFORMATION OF ANY AGREEMENT THAT BEARS THE SIGNATURE OF DEBTOR, WHEREIN HE/SHE AGREED TO PAY CREDITOR. PLEASE ATTACH COPIES OF ALL STATEMENTS WHILE THIS ACCOUNT WAS OPEN.
PLEASE PROVIDE THE NAME & ADDRESS OF THE BONDING AGENT FOR XXXX XXXX XXXX XXXX, IN CASE LEGAL ACTION BECOMES NECESSARY. & AUTHORIZED SIGNATURE FOR CREDITOR.
YOU MUST RETURN THIS COMPLETED INFORMATION ALONG WITH COPIES OF ALL REQUESTED INFORMATION, ASSIGNMENTS, OR OTHER TRANSFER AGREEMENTS, WHICH WOULD ESTABLISH YOUR RIGHT TO COLLECT THIS ALLEGED DEBT WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT OF THIS LETTER.
YOUR CLAIM CAN NOT & WILL NOT BE CONSIDERED IF ANY PORTION OF THIS FORM IS NOT COMPLETED & RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. THIS IS FOR VALIDATION MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE ALLOW 30 DAYS FOR PROCESSING AFTER I RECEIVE THIS INFORMATION BACK.
|
| 01/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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XX/XX/XXXX CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, To : The Office of Registered Agent for CREDIT MANAGEMENT LP From : XXXX XXXX Regarding : Unauthorized Administration of the XXXXXXXX XXXX XXXXXXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that gives you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
CREDIT MANAGEMENT LP I reached out to the organization and here are some key points : Outgoing call XXXX min XXXX sec, XXXX minutes XXXX seconds Wed, XX/XX/2023, XXXX XXXX PT The reason I reached out to them was due to an alarming email sent to me. XXXX sent a note with a subject line : Your credit file has been updated.
The body of the text read " Credit file inquiry There has been a change to your XXXX credit file : Investigating the change devasted me doubly because the claim by CMLP is that I owe money in excess of {$300.00}. But, secondly, there is no basis for their claim Still yet, they know issues abound concerning the debt exist yet insist on not removing it nonetheless.
Lets, slow down and firstly describe what I saw before I called. Below is the entire information available to me before I called and ill allow you to parse through it while I hit the main point.
Allegedly, they claim an account belonging to me exists. It had one opportunity to pay a sum of {$300.00}. This opportunity did not get taken. So they excitingly tried to bully me for money that doesn't belong to them.
Here is how I know that for sure. For one, there is no record of billing. Thats correct, not once has a bill from CMLP been sent to me before they declared I owed them a sum.
On the phone call, the person rudely refused to budge when she knew the attempt to be fraudulent.
( 1 ) I know this because the birthday of mine differs from the one on the account they are collecing.
( 2 ) The account numbers differ. That is I do have a charter communications account but i can easily show that I am in good standing and owe nothing. More to the point i am using their internet service to write this message. And any cell phone communication you have with me will be through them so it is i impossible that I could be in bad standing.
( 3 ) The billing address she has on file is some place I never hear of and it had a name so laughable she couldn't contain herself. XXXX XXXX is the address and the state is Illinois. Although I lived in Illinois for the first 9 years of my life this was before the turn of the millenium and i was a child when i left.
In short, there is not a way or even a theory that could connect me to this account and through obvious malpractice they are attempting to pin it on me.
Balance details 0 % paid off Balance {$320.00} Balance updated XX/XX/2023 Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$320.00} past due as of XX/XX/2023.
Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name CREDIT MANAGEMENT LP Address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
|
| 07/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I called XXXX and wanted my service transferred to my new address by XXXX/XXXX/20. They weren't able to do it until XXXX/XXXX/20. I then didn't have service for 4 days. On XXXX/XXXX/20, a technician showed up at my new home and was unable to " transfer '' my service. He stated because it was a new construction townhouse, and it seemed that they didn't run the proper line from the main box to my home that a field technician would have to come do the work. I then called XXXX back to explain what he told me. He also put in a work order and said it could be a few days before they returned. On XXXX/XXXX/20, another technician arrived and was also unable to run a new line, stating that there were wrong connections located in the main box and that would prevent him from connecting my line. I had been previously informed that they would be digging under multiple driveways to get to my home. They did no such thing and didn't have the equipment to do the work in the first place. He then called in another work order and said I would have to wait again. I was very frustrated and started that I was going to cancel due to the lack of still having no service at my new home. He told be to keep the account open and if I closed it then they wouldn't come back out. On XX/XX/20 another tech showed up and said that the line was run properly, but they didn't know where to look for it since it was buried. He then ran the line to my garage, left this hideous orange cable ( approximately 3 ft ) curled up in from of my home. He said I would need to call again and have a technician come connect my service on the inside. By this time, I had been without service for 8 days. I then called to cancel, but they wouldn't let me do so until I returned their equipment. On XXXX/XXXX/20, I returned the equipment and canceled in person at one of their locations. I then called customer service to followup and make sure that knew I canceled. They confirmed that they had their equipment and my account was closed. Some time passed then I started receiving a notice that my account had a balance due. I then called to ask about this. They stated that the amount due was for the month of XXXX. I then told them that couldn't be possible since I had no service from them during that time. I explained to them what happened on their end, and I shouldn't be charged for services not rendered. I then asked to speak with a supervisor. He also stated that I owed the money and that once a bill is " printed '' they can't retract it, and said " It's due and payable. '' I again said that this was no fault of mine and shouldn't be charged for the month of XXXX. He ten said that if I don't pay it then they would turn me over to collections. I then started seeing an obscene amount of phone calls started at 8 a.m. till 7 p.m. at night for months. They have since turned me over to a collection agency. Now they are calling me unrelentlessly. Please help.
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| 12/17/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Credit Management , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX XXXX XXXX XXXX XXXX XXXX for Credit Management , LP From : XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By XXXX XXXX XXXX
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| 12/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021, I received an email notification from XXXX XXXX XXXX, that they were reducing my credit line due to a new collection/debt account. I subsequently, received information from other bank accounts/credit accounts that my XXXX score had been reduced more than XXXX points. I was able to obtain the XXXX XXXX information, which is Credit Management ( CM ). I contacted them the same day, and learned that XXXX XXXX ( AE ), was utilizing them to collect a utility service account in XXXX, Texas, which was in arrears for 2 months for over {$700.00}. I informed CM that I have lived in XXXX XXXX XXXX, California, all my life and had never even been to XXXX, Texas. I had to provide the last four digits of my SS # to request that they open a fraud case ( I was provided a reference no. ) and a promise that they would investigate the issue. Lastly, CM provided AEs information. Consequently, I proceeded to report the issue. As a result, their agent, XXXX, provided the address of the utility service as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX, and asked for the last four of my SS # too verify my relationship to the account. During our conversation, confirmed the details I had received from CM about the issue, but XXXX would not provide the account holders name. Their agent confirmed the debt amount and offered to investigate the issue. They provided a Case No. Both CM and XXXX stated I should follow-up in two weeks, if I had not received a resolution.
I had not received any information from either entity, by XX/XX/XXXX, so I reached out to both. I was told by CM that the debt had been paid in full. I asked why it was paid in full and by whom ( as it was not me ). I expressed my concern that it may still appear that I had been in arrears on the account, and simply paid it in full. So, now it would appear as a late account on my credit. As such, I requested documentation, that more simply stated the account was fraudulent and not associated with me in anyway. CM was not able to commit to my request but stated that I should receive a Withdrawn Letter. To date, I have not yet received such a letter.
I also followed up with XXXX to get additional information on how the debt/account was resolved. They were not able to provide any details, nor would they refer me to a supervisor/or manager for resolution. This was quite frustrating and upsetting. So, I tried reaching out to their corporate office, but was unable to find any information. I, however, was able to obtain information about filing a formal complaint with their Legal Department.
As a side note, I am a retired Assistant Director for Customer Programs for the largest Municipal Utility in the USA XXXX XXXX XXXX Department of Water & Power. So, to be a victim of fraud for unpaid utility services is not only affecting my credit, but also just simply insulting.
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| 08/01/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : Credit Management Lp Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXXXXXX.
XXXX XXXXXXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXXXXXX XXXX XXXXXXXX.
*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
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| 11/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Credit Management is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Credit Management does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Credit Management whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit Management Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are trying to report without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Credit Management is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
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| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- 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
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Web |
Servicemember |
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On XX/XX/XXXX, I received an email from a credit monitoring service indicating that a new account was added to my XXXX account. Upon further investigation, the account that was being reported was a new collection account. I contacted the XXXX XXXX XXXX ( XXXX XXXX ) and was informed that XXXX was reporting to Credit Management LLC a collection for XXXX XXXX and that I needed to contact XXXX for details.
I contacted Credit Management and spoke with XXXX XXXX who informed me that this company was handling the collection and that she could take a payment. I explained to XXXX XXXX that services were never provided by XXXX and that the charges they were reporting were inaccurate. I requested that Credit Management LLC and XXXX XXXX send me what documents they used to validate the debt from XXXX and she informed me that she didn't have such documentation and that I needed to contact the original creditor for that information.
Upon contacting XXXX the same day by chat, I spoke with agent XXXX, who informed me that the information that I was told was reflected on my credit report was not visible to her and that I needed to wait 2 weeks - 30 days for it to show on my credit file and then dispute it. I requested that she dispute the account and send me all signed documents showing that the " alleged '' debt was mine. XXXX informed me that she could not dispute the account since it wasn't visible to her and that she didn't have the documents that I requested and to contact XXXX directly for dispute.
On XX/XX/XXXX, I contacted XXXX and spoke with agent XXXX who informed me that she didn't see the account that was being reported and that XXXX does not provide proof that debts are valid, and that I would need to go to the original creditor to request this information. XXXX transferred me to the Fraud Department within XXXX where I spoke with Supervisor XXXX and requested that he dispute the item and send me a copy of the original contract, with my signature establishing services, and was informed that they didn't have that documentation. I informed him that according to the FCRA Section 609, I am allowed " proof '' that this debt was validated and all contracts/documents used to validate this account. XXXX indicated that he would file a dispute ( Dispute ID XXXX ) but could not send proof that the debt was mine and validated as being mine.
I contacted the original credit XXXX XXXX and spoke with XXXX who transferred me to XXXX. XXXX informed me that she saw the account but couldn't send me any documentation showing proof that the account in the collection was actually my debt. I requested that this documentation be sent as it was my right under the law FCRA Section 609, she informed me to contact an attorney.
|
| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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On XXXX/XXXX/15 I contacted XXXX to ask about getting my services lowered because my " special '' was running out in XXXX 2015. XXXX was unable to get the service lowered to my previous bill amount. I discussed with the agent and was told that my billing cycle ended XXXX/XXXX/2015. I paid my bill in full through XXXX/XXXX/2015 and advised that I would like to have my services disconnect on XXXX/XXXX/2015. The agent was very nice and advised that on XXXX/XXXX/15 I would no longer have XXXX service. They also advised that I could take all of my equipment to local XXXX store to mail back at no charge.
On XXXX/XXXX/2015 I came home from work and my services were turned off, just as I discussed. On XXXX/XXXX/2015 I took all the equipment to the UPS store ( attached receipt from XXXX store and attached email confirmation from XXXX ) and mail back to XXXX. This completed my business with XXXX.
On XXXX/XXXX/2015 I received the attached bill from XXXX stating that I had a outstanding balance of {$190.00}. I called the customer service number ( XXXX ) to see dispute the charges on my account. The customer service agent advise the charges were for XX/XX/XXXX. When I advised that I disconnect my services on XXXX/XXXX/2015, she then advised she would have to transfer me to someone else. The XXXX agent advise me that the charges were for XX/XX/2015. I advised that I paid my bill in full when I called on XXXX/XXXX/2015 to disconnect my service on XXXX/XXXX/2015. The agent then advised me that they could see where I called in on XXXX/XXXX/15 and paid my bill, but the agent at the time should not have told me that I paid in full. I continued to dispute the charges. The agent transferred me again. The XXXX agent advised me that XXXX had since gotten a new billing system and that some of statements were incorrect and that it looked like I had been billed twice for what I had paid on XXXX/XXXX/2015. They then transferred me again so that someone could clear the charges. The XXXX agent advised me that I owed the {$190.00} and they could not clear it. I continued to dispute the charges. The agent advised that my account was still active, when I ask how and explained that I did n't even have any equipment she said they never received my equipment back in the mail. I gave her my reference number from the XXXX store and she could not find it. I waited on hold for a " supervisor '' to speak with. The supervisor was very rude and explained to me that I just needed to pay the bill or get turned over to their collection agency and have a bad mark on my credit. I currently have a XXXX credit score and take pride in paying my bills on time. I do not appreciate being threatened. After XXXX min with nothing resolved I hung up.
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| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CREDIT MGMT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CREDIT MGMT Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CREDIT MGMT Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 07/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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THESE ITEMS NEED REMOVAL IMMEDIATELY COLLECTIONS *XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX ) = {$860.00} XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXX XXXX - XXXX Date Opened XX/XX/XXXX ) = {$440.00} XXXX - ( Date Opened XX/XX/XXXX ) = {$500.00} *XXXX - ( Date Opened XX/XX/XXXX ) = {$930.00} XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXXXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) = {$310.00} INQUIRES XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX - ( Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX- ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX - ( Date Opened XX/XX/XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I was alerted by my credit monitoring that Credit Management LP placed a collection on my account on XXXX/XXXX/2016. I immediately called my credit monitoring personnel and they directed me to Credit Management LP. I spoke with XXXX from the company on XXXX/XXXX/2016. I did not get her last name. I asked XXXX what the collection was for and informed her that I had not been notified of the alleged delinquency. She explained that if I paid the balance which was {$140.00} that it would be removed from my credit. I asked XXXX several times would the collection be removed from my account and she assured me it would. I explained to XXXX that I did not want the account to just say paid ; I explained that I wanted to make sure the account was removed from my credit report. She reassured me that the account would be removed and I could go to the company website on XXXX/XXXX/2016 to print off the letter stating the account would be reported and removed. I asked XXXX again if the account would be removed and if the letter would state such. XXXX assured me it would be removed. I went to your website on XXXX/XXXX/2016 and printed off the letter. The letter states the account has been satisfied, nowhere does it say it will be removed from my credit report. The letter states " ... if we reported your account to the credit bureaus, they will be notified to update their records, accordingly ''. I called Credit Management LP on XXXX/XXXX/2016 and spoke with XXXX XXXX. I explained to XXXX XXXX what my previous conversation with XXXX entailed. XXXX XXXX could not assure me that the account would be removed from my credit report. He stated that it would be removed, he just could not tell me when. I asked him what that meant. I informed him that I did not want this to linger on for months and he stated it would be removed he just ca n't say when. I asked to speak with a supervisor. He transferred me to XXXX XXXX. She identified herself as the floor manager. I am not for certain if XXXX is her name ; when she initially greeted me I was under the impression her name was XXXX. I challenged her about this and she told me that I got her name wrong. I informed her about each conversation I had with her employees. She informed me that they do not remove items from my credit report ; they simply report it to the bureaus. I expressed my disdain for the situation and explained that her employee assured me that the collection would be removed. She then stated that I could write a letter requesting it be removed. Her company would go over the recorded conversation and if her employee promised my account would be removed, then they will honor it and have it removed.
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX XXXX XXXX Credit Management LP XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Re : Dispute of Collections Action To Whom It May Concern : I received an alert of my credit report change and found the following errors. See the attached copy of my account alert.
Reason for dispute : I have had no interaction with your company and do n't owe you anything.
I am hereby requesting that you confirm the fact that I owe any debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification.
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification.
Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Your next contact with me should be to either notify that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed.
If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the original application, bills, records of communications and payments, name/extension/phone number of person whom assisted you to verify said debt, and any other data that indicates my responsibility.
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.
Please acknowledge that you have received this notice within 14 days.
Sincerely, XXXX XXXX
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| 08/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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CREDIT MANAGEMENT debt practices have notified me, for accounts collections.
I contacted the XXXX major Credit bureaus, and Credit Management with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened.
I have not received any financial gain from the above account.
The entities named above validated the debt as his, yet they did not provide any documentation legally linking me to the accounts.
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at.
2. The number one way companies validate an account is through a signature neither of the entities above have done so.
3. My information along with others in his XXXX had been stolen I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Therefore I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
In the meantime they must cease and desist all debt collection practices.
In the event Credit Management or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
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| 08/07/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.
|
| 12/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply.
Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed.
Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ...
( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted.
Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX.
They need to correct this at once.
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/XXXX, I received a call from a collection agency named Credit Management, after a few minutes of research on XXXX I discovered this was a collection agency for XXXX. I contacted XXXX right away, and found out someone opened a fake comcast account under my name and there was a XXXX balance. I explained to them this was not me, I have worked with XXXX to try to clear my name from this account, which has my old maiden name XXXX, XXXX, Currently my name is XXXX, XXXX after marriage. They keep insisting it 's an identity theft, but no other accounts were opened during 6 months period except XXXX. I have never lived at the address XXXX XXXX XXXX XXXX , il, which this account is under, and from what i understand this address does not even exist. I reside at XXXX XXXX XXXX XXXX XXXX, il XXXX, i been living here for over 8 years. I used to have comcast service, and disconnected it XXXX/XXXX/XXXX, and the fake comcast account was created exactly 5 months from the date i disconnected it. I went to the actual office to disconnect my service, the XXXX office is located at XXXX XXXX XXXX, XXXX, il. I also have asked XXXX to provide me with a actual bill owed which they keep sending me XXXX. XXXX also stated that i 'm in collection, but when i ran my credit 2 weeks ago to see if there were any other accounts opened under my name the credit report does not even show the fake XXXX account. I have also asked XXXX to make sure that they do n't have more than one XXXX XXXX in their database, since my name is very common, maybe someone made an error, but they told me that my social security number is attached to it, so that makes me wonder how come they had this account opened for six months, not one employee noticed that not one payment is being made to this account, they also had me on collection they claim, so how come it does not report on my credit? Also why they refuse to send me a bill that states this is the amount that 's owed instead they send me XXXX bill, when i went to file a police report that 's exactly what the police department said, what is this this bill states you have a balance of XXXX. What 's even more interesting is that this fake account was addressed XXXX, XXXX, Il, but this address does not exist, but when i told that to XXXX they claim it des. I am a new mom this is causing a lot of stress on me. There is just something not right with this XXXX office on XXXX and XXXX, and XXXX is covering up, there possibly could be internal identity theft within this office, and there could be many more victims, this needs to be investigated.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX continues to say I owe them from over 2 years ago and they have been sending my info to various collection agencies and i have disputed them. When I pulled up my credit report I saw I had a collection agency, Credit Management LP, stating I owe collections on behalf of XXXX XXXX.
I disputed this and it was removed from my credit report ; however it is now back and being reported to all three credit agencies. I contacted them on their website on XX/XX/2023 to dispute the debt and I asked to verify this debt and amount and asked them for an invoice statement from XXXX communication or a bill from XXXX showing the amount I owe and for what? Was it for their equipment? Or their internet/tv services? Etc. ( I have not used XXXX XXXX for years and do not recall owing them any money. And I have contacted XXXX about this ; however they state they cant see what I owe the money for because its been years and my account is locked and I need to call the collection agency, which makes no sense to me. ) Credit Management LP sent me a letter dated XX/XX/2023 stating they previously validated this with XXXX XXXX and their records, so I am responsible for the amount reference. They stated that since I did not provide any new evidence, they consider this outstanding balance valid and owing. In their letter, they also said they now consider this a frivolous dispute, and will not respond further, unless new information is provided. However they never provided me any information that I requested regarding a bill or statement that shows the amount that I owe from XXXX XXXX. I receive another letter from Credit Management LP dated XX/XX/2023 stating I owe them {$500.00} for XXXX XXXX but theyve also added on their own charges which they stated as fees of {$120.00}. The federal debt collections practice acts prevents them from being able to charge me fees, which they did in this case.
They have not provided me any documentation that I asked for which is against my rights based on the federal debt collection practices act, and they have also added a fee, which is also against the protection act. This has not only caused me anxiety and stress, but due to my credit score being affected by this debt collector reporting this to all three credit agencies, now it has also affected my ability to get a car loan.
They have blatantly said they will not respond to me any further without new information, violated my rights and the law by adding a fee, and have violated my right of requesting proof, like a bill or statement from XXXX XXXX by not furnishing any of that.
|
| 04/07/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 credit management LP Account # XXXX, has violated my rights.
Credit management LP response to my complaint on the XXXX XXXX XXXX goes as follows '' They state that they did not enter into a contractual agreement with you or provide you with a product or service. '' So If there is NO legal binding contract that I signed with this company stating that I will pay credit management LP for the amount they requested, then this illegal, erroneous and inaccurate account needs to be removed from my consumer reports.
Credit management LP has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. 4:20-cv-01674. This is a complete violation to my consumer rights an punishable by {$1000.00} damages per 15 U.S. Code 1681.
Credit management LP have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or anything other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the punitive damages.
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Just tonight I got an alert on my phone and two different management companies about having a big change in drop of my credit score so I looked it up and it said that I am extremely delinquent on a XXXX XXXX account that I shut down myself because I had to move off grid because of Covid and they told me they would pick up the equipment and that was that now months later it shows that I have XXXX balance and that there is collections agency on top of this now and I had a perfect record of payment everything was an auto pay I wouldve paid for this theres nothing to pay for though because the equipment was returned I checked my account when I was able to get electricity again months later and it said there was XXXX balance and so tonight I talk to XXXX and they said that they cant do anything and I asked if they would send a letter or I dont know I just pressed for something and then they said theres no record of them even sending my anything to a collections agency so I have not yet attempted to contact the collection agency I thought I should go to XXXX first because you know what Id rather not have all these negative things on my credit report thats what I wan na repair I just got it repaired after having XXXX and having it be destroyed and I do not know about this if I knew about this I wouldve taken care of it Im not happy about it and I dont want to pay but if it is about money then if they can take off the strikes against my credit report I would pay but I think thats wrong I shouldnt think that or even offer that because the fact is that they got their equipment and didnt put it in their system as such or they did and I dont really know whats going on but I was reporting here because the collections agency which I only found out about From XXXX in to various thinking assistant apps that showed me the name of this XXXX XXXX company a & I searched XXXX before Actually complaining hereand there was 42 results And I read all of them and any of them that had anything to do with XXXX and that XXXX XXXX seem to be able to stand still and again this is the first Ive notified of it because it got to my credit score and I need that to be taken off and I will do whatever I can but I think I need assistance and its because of Covid theres a lot of reasons I know I should be asleep now because I have to do something with my family and yeah at least it shows I have no balance my account shouldve been closeout but I can still login but it doesnt say I went to collections it looks as if everything was fine Im really frustrated
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| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Re : Investigation Complaint Against Credit Management LP To Whom It May Concern, I am writing to file a formal complaint against Credit Management LP for multiple violations of my consumer rights under federal and state laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and relevant Mississippi state statutes.
Summary of Violations : Failure to Validate Alleged Debt : Despite my requests for validation, Credit Management LP has failed to provide proof of the alleged debt, including but not limited to the original creditor 's information, proof of a license to collect in the state of Mississippi, proof of the debt purchase agreement outlining the terms of the debt purchased, and confirmation of compliance with Mississippi state statute of limitations.
Use of Law Firm as Debt Collector : Credit Management LP has engaged its law firm as a debt collector, which is in violation of federal law, as outlined in the Fair Debt Collection Practices Act ( FDCPA ).
Legal Basis for Relief : Failure to Validate Debt - UCC Law Codes : UCC 9-609 : Failure to provide proof of a valid debt constitutes a default.
UCC 1-201 ( 37 ) : Defines an " unauthenticated debtor '' in relation to providing proof of a valid debt.
Failure to Validate Debt - Federal Law Codes : FDCPA 809 ( b ) : Requires debt collectors to provide validation of debts upon consumer request.
FDCPA 807 ( 10 ) : Prohibits the use of false or deceptive means to collect a debt.
Use of Law Firm as Debt Collector - Federal Law Code : FDCPA 807 ( 6 ) : Prohibits deceptive practices in connection with the collection of any debt, including the use of a law firm as a debt collector.
Request for Investigation and Relief : I request a thorough investigation into Credit Management LP 's unlawful debt collection practices and failure to validate the alleged debt. The failure to provide the requested information should be considered a default and admission of the illegitimacy of the debt.
Violations : Failure to validate the alleged debt as required by the FDCPA and UCC.
Use of a law firm as a debt collector in violation of the FDCPA.
Remedies Requested : Monetary relief for any damages incurred due to Credit Management LP 's unlawful practices.
Personal punitive damages for the distress caused to my life by their actions.
I appreciate your prompt attention to this matter and look forward to a resolution that ensures the protection of my consumer rights.
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| 01/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello XXXX XXXX ; CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Management , LP XXXX XXXXXXXX, for committing identity theft. I have never given Credit Management , LP XXXXXXXX, XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Credit Management , LP XXXX, XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Credit Management , LP XXXX, XXXX any right to collect on this alleged debt.
I have never received any documentation requesting validation from Credit Management , LP XXXX, XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Management , LP XXXX, XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Management , LP XXXX, XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management , LP XXXX, XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Credit Management , LP XXXX, XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 06/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cred Mgmt Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Cred Mgmt Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 08/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
|
| 08/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection.
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence.
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance.
I recently discovered that Credit Management , LP collections had not been removed from my credit report.
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report.
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections.
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections.
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX.
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections.
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees.
When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information.
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter.
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| 02/11/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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After applying for a mortgage, I noticed my XXXX score was much lower than expected. Upon receiving the full credit report, noticed there was a fraudulent collection in the amount of {$220.00} from Credit Management for original creditor WOW. I have never had WOW cable or internet services in my life. The credit report also listed an alias that I have never used and an address at which I have never lived.
On XX/XX/XXXX I contacted both XXXX and the collection company Credit Management to notify them of the error. Credit Management stated I had to complete all the steps on their website under their ID theft/Fraud Claim section which includes submitting : a Federal Trade Commission Identity Theft Report, the police report with this account noted as fraudulent, my social security card showing only the last four digits, my photo ID, and proof of residence from XX/XX/XXXX when the collection was reported. Everything was submitted to Credit Management on XX/XX/XXXX. They have not provided any updates or responded to my status requests.
A representative from XXXX called & said I should receive an affidavit from them. I did not receive it so I emailed XXXX asking when I can expect it. They responded stating " The account # XXXXXXX is not under your name or address. I checked the social security number that was on the account and it does not belong to you. I do not see any evidence that this account was opened fraudulently in your name. There is also no balance on this account. No action is necessary on your part. '' I responded " That is not true. XXXX reported a collection to a collection agency and it is now on my credit report. So if it wasn't fraudulent, then it was XXXX 's error and I expect it to be corrected immediately along with a signed letter from XXXX on letterhead stating that is was reported in error, that they are correcting this error with the collection company, and that I have never had an account with XXXX. '' They responded that they would have to look into it further. XXXX has been provided with a copy of the police report and my credit report showing the collection.
Per the police report, the police went to the address now listed on my credit report and asked for the alias. Per the report, the alias was cooperative and willing to work with deputies & XXXX cable to figure out how this happened.
Credit Management on behalf of XXXX has still not deleted the erroneous collection from my credit report.
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| 09/11/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 05/08/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : CREDIT MANAGEMENT LP XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Credit management LP ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX XXXX.
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
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| 12/17/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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*****THIS IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice.
Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties.
I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!
I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS.
According to the Federal Trade Commission : You must provide authority to collect on your behalf.
812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.
( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
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| 03/09/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
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| 01/03/2024 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing this complaint due to an unjust debt collection attempt made by CREDIT MANAGEMENT claiming that I owe a debt for XXXX XXXX services at an address where I have never resided or authorized services.
XXXX XXXX of the Dispute : Incorrect Service Address : The debt collection notice states that the services that they provided. I have never lived at this address nor have I ever authorized or utilized XXXX XXXX services there.
Absence of Wet Signature for Service Agreement : Importantly, I have never signed any service agreement with XXXX XXXX, especially not for the address mentioned. A " wet signature '' ( a physically signed document ) is typically required for such agreements, and no such signature exists from me, as I have never engaged in any contract with XXXX XXXX.
Time Period of Alleged Service : The alleged service period. Throughout this time, my actual residence was at [ Your Actual Address during that time ], which can be substantiated with [ mention any proofs like lease agreements, utility bills, etc. ].
Account Information : The debt collection notice references account number. I have no knowledge of this account and reiterate that I have never entered into any agreement with XXXX XXXX.
Request for Validation of Debt : I request comprehensive proof of this debt, including a copy of any service agreement bearing my wet signature, details of the service provided, and any evidence linking my identity to this account.
Impact on Credit Score : I am highly concerned about the potential negative impact of this erroneous claim on my credit report and request that all related negative reporting be immediately rectified.
Sought Resolution : Given the absence of any valid agreement or service usage on my part, I request the following : Immediate cessation of all debt collection attempts related to this claim.
A formal acknowledgment of the error and confirmation of my non-liability for this debt.
Immediate correction of any negative information furnished to credit reporting agencies concerning this matter.
This situation appears to be either a case of mistaken identity or fraudulent activity. I am willing to provide further necessary documentation to aid in the swift resolution of this issue.
I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights.
Sincerely, XXXX XXXX
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| 07/30/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I was a customer from XXXX. When I chose to transfer my services to another address in XX/XX/XXXX, I began the transfer request online. I received a new apartment unit number from the complex so I canceled that transfer and requested a new transfer to a different unit. During that time XXXX opened another account for the previous address in my name and without me actually knowing. They advised they would have to cancel my current service and start a new service for my new address because they would not do a transfer. I returned the old equipment and then scheduled to have new equipment installed which was a big inconvenience. I began to receive a bill for the other account they opened without my knowledge. They closed said account. I had never agreed to a contract with XXXX but they advised at the time when I tried to cancel my service in XXXX that I verbally agreed to a contract with them on XX/XX/XXXX over the phone. I advised I never spoke with them over the phone and any communications about my service and account had been done over chat. I asked that a supervisor review the call because I refused to pay an early contract termination fee when I never agreed to a 24 month contract. Of course they said they would review and get back to me in 48 hours. This never happened. I have been sent to collections for this account. When I inquired why the amount includes an early contract termination fee and I stated previous times I never agreed to a 24 month contract or spoke with them via phone they refused to review the call or offer any resolution. I have not been able to get anyone at the company to review the call. I have sat on hold and spoke to numerous representatives and " supervisors ''. XXXX refuses to follow up. I never agreed not to pay the debt but I won't pay for something I never authorized and no one can provide me the proof that I authorized it. It's sad because the have become such a monopoly in my area that I have no choice but to do business with them because there aren't any other options as far as cable and internet service goes. They use this as a device so they can treat customers poorly and do fraudulent activity on their accounts. XXXX is truly a poor cable and internet service provider. They are unprofessional and refuse to investigate accounts at the consumer 's request. They have violated my rights as a consumer.
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| 03/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 11/17/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 12/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| 10/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Credit Management has violated one or more of the prohibitions set forth in 1692 of the Fair Debt Collection Practices Act. I believe they knowingly incorrectly addressed the initial notice of collection. The address listed on the notice does not include my full apartment number, XXXX, the apartment number is listed as XXXX. The apartment number in my building range from XXXX to XXXX.
The notice was dated for XX/XX/XXXX and I did not receive this notice until the evening of XX/XX/XXXX because it was incorrectly delivered to a neighbor who inadvertently opened and read it.
I have had several phone calls with Credit Management where I have advised them that I did not receive the notice as required by 1692 of the Fair Debt Collection Practices Act. I have had them verify my address and they had my full apartment number. My address is also listed correctly on their website. The only response that I received when I advised them that I had not received the notice was, the notice was already sent or we sent it.
I believe that they intentionally used an incomplete address with the hopes/intentions of not allowing me the ability to request that they validate the debt in question. 1692 of the Fair Debt Collection Practices Act allows me the ability to dispute the validity of the collections account within 30 days of receipt of their collections notice. This collection was reported on my credit bureau reports as of XX/XX/XXXX, days prior to one of my neighbors clipping the incorrectly address notice to the outside of my door.
Since the notice had an incomplete apartment number listed, the notice communicated to a third party, sensitive and private financial information, also a violation of 1692 of the Fair Debt Collection Practices Act.
This collection account dates back to XXXX for an account with XXXX XXXX XXXX that has now been taken over by XXXX. My credit bureau report states the creditor is XXXX XXXX. As I have a current account with XXXX, this does not paint a clear and accurate picture of the original creditor.
I have been in contact with XXXX. I have spent hours on phone calls and chat sessions attempting to find out any information on this collection and none of the agents I spoke to were able to tell me anything about the account or the reason I was being contacted by Credit Management.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On today XX/XX/2021 I contacted the offices of Credit Management , LP to speak with a representative regarding a collection account listed on my credit report. While speaking to the agent and asking questions regarding the account she continually became upset. I asked several times was there someone that I could contact via email she then intentionally disconnected the call in the midst of me speaking. Before hanging the phone up in the middle of the discussion I tried asking for her name and or representative credentials, she declined. She repeatedly asked me to verify an account that Ive notified Credit Management and the original creditor XXXX XXXX was a fraudulent account. I also spoke with a fraud department representative of XXXX XXXX who asked for a police report that I could not provide because I no longer reside in XXXX and the police department here in XXXX notified me that the account is too old and the police report should be filed in XXXX the original state where the fraudulent account was opened. Ive asked Credit Management on numerous occasions for validation of this said debt whether it be my signature on any original documents or my drivers license along with any documentation proving that I did intact open this account with XXXX XXXX. None of this could be provided to me. This would be my fourth attempt at handling this derogatory account with both the original creditor and the collection agency. Ive filed a previous complaint with the CFPB which in response Ive noticed an update on XX/XX/2021 where the account is now being listed as closed with a balance on my credit file, not removed. However, although they ( Credit Management has closed the account according to my credit report I received a letter today dated XX/XX/2021 from Credit Management regarding payment on this now closed account. Ive spoken with several different representatives of Credit management and Ive also reached out to XXXX XXXX on XX/XX/2021 to resolve this matter. To which each attempt has been unsuccessful. Although this debt is not mine and nor can any documents be provided for validity of this information Ive offered to settle the account with the hopes of having the account permanently removed from my credit report for inaccurate and not factual statements, this was also denied.
|
| 06/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I have no idea who Credit Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have sent a request to Credit Management and demanded a CERTIFICATE OF ASSESSMENT and other information, but they have chosen not to reply. I sent a request to Credit Management via certified mail XXXX XXXX XXXX XXXX XXXX.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Management as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ Credit Management } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency XXXX CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX sent a bill for collection to Credit Management , LP that does not belong to me. The bill is for a modem that my ex-husband did not return promptly back to XXXX. While the modem was returned on XX/XX/2021, Credit Management reported my name to the three credit bureaus : XXXX, XXXX and XXXX. This is preventing me from being able to move forward on a mortgage.
First I called XXXX. They told me if I went to a XXXX XXXX, I could get a copy of a paid receipt showing the amount due is {$0.00} since my ex-husband returned the modem. Before I could go to the store, I had to make an appointment on-line. I wasn't able to get an appointment until XXXX pm. When I arrived for my appointment, there were 4 people working in the store, no customers. The workers told me they were " binge-watching '' XXXX. They also told me there was no way they could print anything out for me to show the balance due was {$0.00}.
I called XXXX back. After getting no where with the first person, I spoke with a supervisor. She promised I would have something in the mail showing balance due {$0.00}, by the end of the week. It's been 2 weeks, I haven't received anything in the mail. She also said they would call Credit Management , LP to remove the account.
I called Credit Management , LP to let them know this was not my bill and I needed them to remove my account from the three credit bureaus. They told me they sent it back to XXXX and show it as closed. When I asked them to follow up with the credit bureaus, they said there's nothing they can do because they don't have the account any longer.
I called XXXX back and was told they don't report to the credit bureaus so they can't recall the collection reporting. They said Credit Management , LP does that.
I am at a total loss as to how to get this off my credit report.
I went to the XXXX website to " dispute '' the claim but their website wasn't working properly so I couldn't upload a copy of the original bill that shows it was in my ex-husband 's name and address. I called XXXX XXXX Relations and was told it may take up to 30 days for them to fix. In the meantime, interest rates on mortgages are going up.
XXXX and/or Credit Managment , LP reported me to the credit bureaus for a bill that is not mine and they will not correct the error.
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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On XX/XX/2020, I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. XXXX XXXX was one of the agencies and The Offices of Credit Management was the other. I spoke with XXXX XXXX at XXXX XXXX and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted Credit Management who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports.
I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. XXXX XXXX reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying Credit Management. I sent proof of all my payments to XXXX XXXX. I never heard back from them.
I noticed on XX/XX/XXXX that the autowithdraw from Credit Management did not happen. I called them and they told me that XXXX XXXX was taking over the account and to contact them. I called XXXX XXXX to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to Credit Management.
In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX & XXXX themselves never reporting me as delinquent, and now XXXX XXXX has proof that as of XX/XX/XXXX, I made all my payments on time to Credit Management. I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person at XXXX & XXXX to discuss this matter.
|
| 08/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/2019 CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attention dispute department CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am writing this letter due to a previously disputed debt already settled by way of complete removal/deletion from XXXX, XXXX and XXXX with the aid of the CFPB investigation - Please refer to CFPB former complaints # XXXX and XXXX. However, I believe that the original creditor XXXX XXXX has sought to ignore the Fair Debt Collection Act and or Fair Credit Reporting act by continuing to pursue a debt not owed even after it was investigated by the previous debt collection company called XXXX XXXX XXXX XXXX. XXXX XXXX has had plenty of time to investigated this matter through their third party debt collection partners and each time they failed to provide their third party debt collection partners with credible evidence of a debt owed. My previous complaints which are listed above highlights my position and credible facts why I do not owe XXXX XXXX or anyone else a debt. Today, I received a call from yet another third party debt collection company called " CREDIT MANAGEMENT , LP '' who are pursuing the same debt in the amount of {$170.00} which has already been settled and DELETED. Though the amount differs from the original debt amount, it is the same disputed debt which was deleted by the last third party debt collection company XXXX XXXX XXXX XXXX XXXX. ) Furthermore, I believe that consumer protection laws are being blatantly violated by XXXX XXXX in their never ending pursuit of a debt I do not owe which was disputed and subsequentially deleted/removed from all major credit reporting agencies. Those third party debt collection agencies which I have previously mentioned above are contracted on the behalf of and or represents XXXX XXXX interests and given that this un-owed debt was previously investigated and as a result of the CFPB investigation was removed. i wish to no longer receive any communication in regards to this resolved matter by CREDIT MANAGEMENT , LP and or XXXX XXXX and that any attempts to further tarnish my consumer credit report by submitting false debt be considered a direct violation of the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act prosecutable by State and Federal Law. I need to matter to be put to rest once and for all. Thank you for your understanding concerning this matter.
|
| 12/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
To whom it may concernMy name is XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX has been my permanent address since XXXX. During the time between XXXX and today I have never lived anywhere else except for two years XXXX military XXXX, XXXX. I left XXXX, XXXX in XXXX.
The purpose of this communication is to contest this a delinquent/collection account, negative credit report, and the {$620.00} that Credit Management LP/ XXXX alleges that I owe to XXXX XXXX. For the records, I have not received at my address any bills or statements from XXXX or Credit Management LP. I found this info via Credit Report Monitoring. Currently I do not have a XXXX or XXXX account or any XXXX services in my home. I visited the local XXXX office in XXXX, XXXX to ensure that they had not inadvertently bill me. They had no record of me owing XXXX in XXXX. I believe this is a case of mistaken identity.
This is the second time that XXXX has billed me and collection agencies have placed negative information on my credit report. I unsuccessful contested the previous billing. Having no recourse, I paid the {$310.00} that XXXX alleged that owed. The alleged bill was from an old address in XXXX, XXXX where I lived in XXXX. Once again, I have never lived in XXXX since XXXX. XXXX did not exit in XXXX.
I spoke with a person from Credit Management LP regarding the delinquent account. I explained the situation. She asked me for my SSAN. I gave it to her, she said that the billing had a different SSAN and was probably a case of mistaken identity. She asked me to send proof of my SSAN and my address for XXXX. I am doing so..
The local XXXX office suggested I file a Police report and send it to XXXX. The police report # is XXXX, filed with the XXXX, XXXX Police Department. I am requesting XXXX remove me from the XXXX, XXXX address so this mistake does n't happen again.
Finally, I have no problem meeting my financial obligations and paying my bills. If I fact owe XXXX money I will pay upon receiving a statement that proves that I owe them. However, I do n't intend to continually pay accounts that I did not create.
I can be reached by email : XXXXXXXXXXXX or phone : XXXX XXXX if more information is required.
XXXX XXXX
|
| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
A Door to Door salesman came to our house via a new cable company we had heard of in our City. They made an offer for our Cable and Internet Service that would save us over {$100.00} per month. We went ahead with this plan and called our former cable company, XXXX XXXX, and they said to return all of their equipment to cancel our service with them. We did so on XX/XX/XXXX and we asked them if we owed anything on our account and were told they did not know but they would contact us if we did. We never received an e-mail nor any billing in the mail from them so we assumed we did not owe anything and forgot about it all.
Then in the last week of XXXX we received a letter not from XXXX XXXX but from a Debt Collection company, Credit Management LP, stating we owed {$160.00} to XXXX XXXX. From this, we knew this would affect my husband 's credit report and we had never received a previous billing via mail or our e-mail prior to receiving the letter from the Debt Collection Company.
Our son immediately got on the phone and called XXXX XXXX and asked them why this amount owed was sent to a collection agency when a ) we had never received a bill prior to this notice and b ) that the account was sent to a third party collection company in less than 2 months of our cancelling our service.
The representative on the phone stated they had mailed two billings but we never received them and had been actively looking for any notification about an amount still owed. If we had known that this amount was due soon after we closed our account, we would have reviewed it and taken care of it but now it has been sent to collections and we both want to ensure this is not reflective on my husband 's credit report prior to our paying it and want to know why we were never notified of this debt before it was sent to a Third Party Collection.
My son has suggested that this is in retaliation for our canceling our service and I am unsure if this is the reason but what I do know is if we had owed anything, then we should have received a billing in the mail and/or been contacted by XXXX XXXX before it was sent to collection and we also want to inquire as to why it was sent to collection in less than 60 days of our closing our account.
|
| 07/11/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
( XXXX XXXX ) applied for an educational loan with the federal government and was denied in part due to a collection account on his XXXX credit report which is being reported to all three major credit reporting bureaus ( XXXX, XXXX, and XXXX ). On or about XX/XX/2023 and XX/XX/2023 XXXX contacted both the collection agency displaying the information on his credit profile with the major credit reporting agencies in an attempt to discuss the bill with them. In XXXX first attempt at discussing the bill with the debt collection agency displaying the information on his credit profile he was asked to put in the reference number that is associated with the account. XXXX complied, and was then drawn into a circular series of prompts that were only willing to accept a payment amount in excess of what is displayed on his credit profile with the major credit reporting agencies and was unable to discuss the bill with a representative. XXXX then became frustrated and called the merchant, XXXXXXXX XXXX to discuss the bill with them. XXXX notified XXXX XXXX that the bill accrued as a result of security equipment that he wanted to return to the merchant. The merchant XXXX XXXX said that they were willing to take the equipment back and absolve him of the debt that is associated with the account, however they were unable to access the account with the information he made available to them. XXXX has since offered to return the equipment to a retail location, however given the nature of the issue XXXX is concerned they are not going to accept the equipment at the retail location. As a result of XXXX XXXX not being able to access XXXX account and the debt collection agency being unable to discuss the billing issue with XXXX XXXX XXXX is filing a dispute with XXXX and this agency due to XXXX XXXX reporting a debt that is not valid and being asserted only because they are not able to access his account themselves so that XXXX can return the equipment to them. They have created a situation where they are demanding an amount of money for items that qualify to be returned as they stated, but are unable to process the return given the internal technical issues they themselves are struggling with.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge.
|
| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.
A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.
I contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX.
The issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am writing to file a formal complaint against Credit Management LP regarding their handling of an account listed on my credit report. The account in question pertains to an alleged debt from XXXX XXXX, which was sold to Credit Management LP and is currently reported as a collection account with the account number XXXX.
Upon reviewing my credit report dated [ Date of Report ], I discovered this account listed as a collection with a balance of {$400.00}. However, there are multiple factual discrepancies and potential violations associated with this entry : Lack of Verification : Credit Management LP has not provided adequate verification or validation of this debt despite my requests for proof of the alleged obligation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the debt within 30 days of my request. To date, no such validation has been provided.
Reporting Inaccuracies : The reported date of last activity and status updates on the account are erroneous. The status indicates a past due amount of {$400.00} as of XX/XX/2023, which is inaccurate and misleading. There has been no recent activity or any attempt to contact me regarding this debt.
Lack of Notification : I have not received any formal communication or notice from Credit Management LP regarding the assignment or existence of this alleged debt before it appeared on my credit report. This lack of communication violates the FDCPA 's requirements for debt validation and consumer notification.
Failure to Comply with Reporting Guidelines : The reported account inaccuracies and lack of verification have negatively impacted my credit profile. This has affected my ability to secure credit or loans, and it is damaging my creditworthiness without lawful basis.
I respectfully request that the Consumer Financial Protection Bureau investigate these violations by Credit Management LP and take appropriate actions to rectify these discrepancies. I seek the removal or correction of this account from my credit report and an assurance that Credit Management LP adheres to all consumer protection laws and reporting guidelines.
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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I briefly had internet service with XXXX ( XXXX XXXX ) I paid my bill in full and on time. However, during the last week of XX/XX/XXXX there were intermittent outages that eventually ended in my not having service AT ALL on XXXX and XXXX. That was the LAST STRAW for me and as soon as I had service restored I attempted to call them ( my phone is a VOIP phone dependent on internet service thru XXXX XXXX. ) I was able to cancel my service on XXXX ( when my internet service started working again. ) I immediately hired a rival company to provide my internet service. When I called on XXXX, the customer service representative apologized profusely and stated " that internet service had been out for my area and had been restored. '' He also offered to give me credit for the two days I hadn't had service. When I still insisted on cancelling my service ( I had already made arrangements with the other company to come the next day ) he then offered me an ENTIRE MONTH for FREE. I said no. He then got a bit surly and said that since I had already begun the new month I would be charged for the ENTIRE MONTH even though I had only had service for an hour when I called on XX/XX/XXXX and had not had service AT ALL on XX/XX/XXXX and XX/XX/XXXX!!
I then received a notice from a debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. I then received a call from XXXX XXXX XXXX on XXXX and I explained what happened with XXXX and never heard from them again.
In late XX/XX/XXXX I received a letter from a debt collector ( Credit Management L.P. XXXX ) I told a woman the same thing I had previously told XXXX and XXXX XXXX XXXX. However, today, XXXX I received notice from a credit monitoring service that Credit Management L.P. had entered a bad debt for {$49.00} with XXXX and my XXXX score had dropped by more than 100 points!
To sum up, I DO NOT owe XXXX XXXX ANYTHING. I canceled their service when they had technical problems that resulted in my being without internet for ~ two days. And to add insult to injury, they wanted me to pay for an extra month of service when they FAILED to even provide adequate service for the short time I was with them!!
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| 09/21/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Status Company responded on XX/XX/2018 Response Type Closed with non-monetary relief Company 's Response XX/XX/18 Response : Upon receipt of this complaint, we thoroughly searched our database, but did not find any account under the name XXXX XXXX at an address in XXXX XXXX, SC. We did find an account under that name, at a different address in South Carolina with a similar balance, but since Ms. XXXX did not provide the last 4 digits of her Social Security number or her date of birth, we can not confirm that this is the account in question. However, the address she stated as being incorrect in the ID theft affidavit ( XXXX XXXX XXXX, XXXX XXXX ) matches the original address on this account, as provided by our client. We have been working as a third party, attempting to collect the debt on behalf of our client and were given permission to report the unpaid balance to the credit bureaus by our client. Credit Management did not steal or fraudulently use Ms. XXXX personal information. When we reported the unpaid amount to the credit bureaus, we did so under the name XXXX XXXX, at the address on XXXX XXXX. The credit bureaus associated the debt with the complainants credit report, using that address. Credit Management has never received Ms. XXXX XX/XX/XXXX dispute letter or any other request or response from her, prior to this complaint. However, inasmuch as Ms. XXXX has signed a notarized affidavit stating that the XXXX XXXX address is not an address associated with her and that someone has misused her personal information, we have requested that the trade line be removed from her credit report. Although we have electronically requested the removal, it may take a few days to be deleted off her credit report, depending upon each credit bureaus internal processes. While it may not always come across to the consumers with whom we interact, our company places a premium on compliance and professionalism. Accordingly, it is our sincere hope that our resolution of this matter meets with the Bureaus and Ms. XXXX approval. If for some reason it does not, please do not hesitate to contact me directly at ( XXXX ) XXXX ext. XXXX or XXXX.
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| 12/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2002 I received a notification that a collection account had been added to my credit report. The company is Credit Management LP and according to my credit report, the alleged company they are collecting on behalf of is XXXX. The alleged debt amount is {$490.00}. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC regarding this matter. Furthermore, as far as this Credit Management LP account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, 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 Credit Management LP offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Credit Management LP that if their office continues 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 this negative mark 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 XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
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| 01/05/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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For the last 3 months or so, I have been receiving calls on my home phone ( never leaving a message ). In XX/XX/XXXX, I received and answered XXXX of the calls. I was spoken to by a female who repeatedly asked my name, while not replying to my questions of why they were calling. After I heard XXXX of the questions was for an address that my adult son had lived at, I explained that I was not the person that they were looking for, and had never lived at that address. She then asked if I lived at the address of my house, to which I replied " Of course I live at the house that I own '', and asked her how she got my number. She stated that her collection company represents someone that is owned debt. I informed her that someone there needs to learn some simple investigative skills, and realize that they are calling the wrong person! The calls stopped for about 5 days or so, then started again. They call XXXX to XXXX times a day at varying times. Today on XX/XX/XXXX, I received a third call for the day ( once in a.m., XXXX, XXXX ), and I answered. I did n't hear anyone, so I stated " Welcome to XX/XX/XXXX, how may I help you? ". After no answer, I advised that I would be seeking legal action against them if the continue to call me, knowing that I am not the person that they are looking for! At XXXX, I called the number listed on the caller id ( XXXX ), and spoke with a man, too whom I gave my name and phone number to. I also informed him, that the companies undue harassment will not be tolerated, and that if it does not stop, I will seek to sue them. I explained that, I have lived at my address since XXXX, and obviously I could n't be the person that they are looking for as previously explained in a prior phone call ( since each time speaking, both repeated that the call was being recorded )! I also informed them that, as a retired XXXX XXXX XXXX, I have nothing but time, so they need to stop their unlawful action now! He just said that he understood. Somehow I doubt that they do understand, if all calls are recorded and not once does someone listen to them, or use any investigative, or deductive thought!
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| 01/04/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 04/07/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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XXXX was my cable/phone/internet provider for services at my former address. The original technician XXXX XXXX me during the first " installation '' visit, and never properly installed the services -- he ran my equipment through an old, rotted XXXX XXXX cable that was falling apart in pieces instead of running a new account cable to the pole. The services NEVER worked properly, forcing HUNDREDS of complaint/repair phone calls, texts and emails where they still never properly repaired the services or offered concession discount. I still continued to diligently pay the full bill anyway, because I had no choice, for several years, for service that literally NEVER worked properly from day one. I finally changed services to another company several years later, returned the equipment -- with receipt proof of return, and was forced to file several XXXX XXXX XXXX complaints about the abusive company practices. They continued to charge my credit card for MONTHS after the equipment was returned and services were stopped with them, with a brand new company providing services. I had to voice record and video record their phone calls several times, and they actually SENT ME TO COLLECTIONS 3 SEPARATE TIMES, CLAIMING I OWED A DEBT TO THEM THAT I DO NOT OWE, HOUNDING ME WITH COLLECTIONS NOTICES AND PHONE CALLS AND CAUSING SERIOUS HARM TO MY PRISTINE CREDIT REPORTS AND XXXX SCORE, THREE DIFFERENT TIMES. NOW, THEY'VE DONE IT AGAIN, FOR THE THIRD TIME, PLACING AN ILLEGAL COLLECTIONS DEBT ON MY CREDIT REPORTS FROM CREDIT MGMT LP, THAT WILL HARM MY CREDIT FOR THE THIRD TIME. THEY NEVER STOP. I DO NOT OWE THEM THIS DEBT. THE EQUIPMENT WAS RETURNED WITH RECEIPTS AND EVERYTHING WAS DONE IN WRITING TO PROVE IT. I AM SICK AND TIRED OF THIS ABUSE AND HARM TO MY CREDIT SCORE FROM THIS UNSCRUPULOUS COMPANY AND ITS ILLEGAL AND UNFAIR BUSINESS PRACTICES. I WILL BE SUING THEM FOR WHAT THEY HAVE BEEN DOING TO ME FOR ALMOST TWO YEARS NOW. I AM SICK AND TIRED OF BEING HARMED BY THIS COMPANY. THEY NEED TO STOP. IMMEDIATELY. AND I AM GOING TO SUE THEM FOR THE DAMAGES THEY HAVE ALREADY CAUSED.
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| 09/25/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I noticed on my XXXX account that there is a debt collection account opened against my name. The claiming creditor is XXXX and the debt collection company is creditmanagementonline.com. The claimed amount is {$180.00}. Shocked by the claim as I had closed XXXX account on XX/XX/XXXX this year with {$0.00} balance and no equipment of company in my custody, I rushed to call the collection company. Provided them supporting documents for the payments I have made. Confirmed I never received any bill ( I had subscribed to email billing and online payment system! ) and requested the collection company to either produce satisfactory bills or remove this from my account. Until today I have not heard anything from collection company. I have also disputed this on XXXX.
Below is summary of payment and the closed account : 1 ) I opened account with XXXX XXXX XXXX activating it on XX/XX/XXXX. Paid {$88.00} which includes the first month 's advance payment and other amounts 2 ) Returned back XXXX 's wifi modem within the first month and they removed monthly $ XXXX charges from my monthly payment 3 ) My monthly payment was $ XXXX and increased to $ XXXX for the last month ( XX/XX/XXXX-XX/XX/XXXX ) when I switched to XXXX. Confirmed over phone with XXXX rep that I owe {$0.00}. And for me this was end of it.
4 ) XXXX never sent me email for any other owed amount ( which was method of my billing ). XXXX never sent me invoice though they kept sending me promotional offer to my mailing address. My address never changed.
5 ) The claimed amount does not match anything. I have Credit Card payment track for all the months from XX/XX/XXXX to XX/XX/XXXX. Attaching screenshots of first and last payment as proof.
I feel that XXXX has very unfairly treated me with their claim. They have hurt my credit history with derogatory remark. Up until now, I have not received any written notice from XXXX or Collection company but on my own initiative I am trying to follow up for their mistake and ignorance and therefore filing this complaint.
Thank you in advance!
XXXX XXXX
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| 02/07/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/XXXX, I received notice on my credit report that I had a " major derogatory mark '' on my credit report relating to my XXXX XXXX Account, filed by a debt collection agency Credit Management LP ( based in Texas ) that bought the debt from XXXX, allegedly stemming from a XXXX XXXX account that I closed and paid off around XX/XX/XXXX since XXXX 's services did not extend to my new location. XXXX and Credit Management failed to provide me with notice of such debt and the late payments, and they presently refuse to remove the credit report off my history despite me paying the {$140.00}, which I do not think I owe them. My credit score now has dropped XXXX points and have a major derogatory mark on it.
While I have limited access to my XXXX account and XXXX provides little to no documentation for closed accounts, XXXX charged me an additional $ 140~ after the close of my account in XX/XX/XXXX ; provided no notice before the account was closed of such owed payment ; and I received no notice by XXXX or Credit Management LP re : late payment until the debt was already in collections and on my credit report.
On XX/XX/XXXX, XXXX also informed me that they do not provide email notices of late bills for closed accounts even though I was signed up for e-billing during my relationship with XXXX, and they only send paper bills to the closed account address despite knowing I was no longer there at such address and without informing me of such policy or the alleged bill when I called in to close my account. In short, there was no way for me to know any potential bill existed because of XXXX 's policies on closed accounts and notices, in addition to thinking I had closed the account back in XX/XX/XXXX after paying off the final bill and returning the equipment to XXXX.
I reached out to the Credit Management LP ( debt collector whom bought the debt from XXXX XXXX and XXXX XXXX - both claim they can not remove the debt off my report even though I received no notice of such payment and even paid off the debt so it is a zero balance and closed account.
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| 06/30/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Your company is reporting the below referenced account on my credit report as a collection account.
XXXX XXXX {$220.00} Open balance I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
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| 06/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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CREDIT MANAGEMENT , LP XXXX XXXX XXXX XXXX TX XXXX To : The Office of Registered Agent for CREDIT MANAGEMENT , LP From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
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| 12/21/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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It was reported on my credit report on XX/XX/XXXX I currently owe money to CREDIT MANAGEMENT LP which was in collection from an alleged unpaid balance owed to XXXX cable company that is incorrect. This collection reported, was resolved with the original company XXXX regarding account number XXXX XXXX XXXX XXXX.
Attached you will find the last billing correspondence that I received from the original debt manager XXXX, which was sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX, PA dated XX/XX/XXXX. This statement was also previously available to view electronically on my XXXX account as of XX/XX/XXXX. This document shows that I no longer owe the amount alleged.
On XX/XX/XXXX, I had extensive phone correspondence with both XXXX and Credit Management LP to discuss this matter. I had at no time up to that date, received any correspondence from either company via mail or otherwise informing me of a delinquency on the account.
I was informed on XX/XX/XXXX that I had owed the {$130.00} on this account. At that time I reviewed the documents I had received ( attached ) and discussed with the individual I was speaking with that this was not the information that I had.
The individual on the other line, which I was told at that time was being recorded, verbally confirmed that the account reflected {$0.00} owed but informed me that the bill had been altered by them, which is why it reflected this and that this alleged dollar amount was still owed. At that time I informed them that I had a billing statement dated XX/XX/XXXX sent to my current address reflecting {$0.00} owed, and that I had never received any correspondence reflecting otherwise. I received no further correspondence after XX/XX/XXXX from either company regarding a delinquency or collection until a missed phone call on XX/XX/XXXX.
As of today XX/XX/XXXX, this last billing statement which reflects no balance owed as of XX/XX/XXXX has been removed from XXXX billing statements on line and now states that I have a balance owed ( attached )
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| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX I contacted XXXX XXXX XXXX regarding credit card debt I owed. I was told by a collection representative to contact Credit Management , LP. at XXXX. I contacted Credit Management, L.P. and made payment arrangements. I was told I owed {$700.00}. The representative and I agreed with {$40.00} monthly. Starting XX/XX/XXXX through XX/XX/XXXX {$40.00} plus a {$5.00} software would be deducted from my bank account.
Between XX/XX/XXXX - XX/XX/XXXX a total of {$320.00} plus {$35.00} ( software fee ) has been deducted from my account. In XXXX I made several attempts to contact Credit Management, L.P. regarding the balance but never got an answer. I contacted XXXX XXXX XXXX and was told that Credit Management, L.P. usually closes around XXXXXXXX XXXX. On XX/XX/XXXX I contacted Credit Management, L.P. regarding the balance. I was told my balance was now {$550.00}. I asked why was the balance so much if I paid {$320.00} on a {$700.00} balance? I was told by the Credit Management , L.P. representative that XXXX XXXX XXXX was still adding interest to the balance every month. I called XXXX XXXX XXXX and was told that wasnt true because the account was closed. I requested that Credit Management , LP. send me letter regarding the balance. On XX/XX/XXXX Credit Management, L.P. emailed me a letter stating : Original Amount Owed : {$680.00} Interest Fees ( if any ). {$190.00} Payments : - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00}. XX/XX/XXXX ( their typo, not mine ) Current Amount Due : {$550.00} No mention of the other five payments that were deducted from my bank account.
When I contacted Credit Management, L.P., on XX/XX/XXXX I was told that they no longer had my account and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was directly sent to a voicemail system. Something doesnt sound right about this situation. How can interest be applied to a closed account? This is XXXX XXXX me out.
Address for Credit Management, L.P.
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX
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| 10/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2020 I received Notification that a new collection account was placed on my credit report by Credit Management for XXXX XXXX for {$260.00} account number XXXX.
I immediately called credit management to discuss the bill. Representative stated they received the account from XXXX XXXX in XX/XX/2020. Explains it a wrap I did not order them any money I paid the account to a different collection agency in XX/XX/2020. I was told to contact XXXX XXXX formally known as XXXX.
Call XXXX XXXX XXXX gave the rep the account number and was told I had a XXXX balance. She ran my Social Security number in our system and I did not have any other accounts she can not explain why the account was sent to a different collection agency. She had her supervisor to look at the account and a supervisor said the same thing a ticket was created and was sent to the department to handle this account to have it removed from the collection agency and removed from my credit report I was told to call back in three days call back on Tuesday night The representative told me the same thing the account he pulled up had a XXXX balance and he could not explain why he was sent to a collection agency I had to give the specially handling department time to review the case to call back on Friday. Call back again today and spoke to another representative she also looked at city account and could not explain why an account with a XXXX balance went to a different collection agency she had her supervisor to look at the account her supervisor said the same thing another ticket was created and I will provide both ticket numbers.
Bill with XXXX Total Bill {$780.00} Received Credit {$310.00} for equipment Balance {$460.00} The account was sent to XXXX XXXX collection agency Account number same account number XXXX Set up a payment arrangement to make 4 payments of {$120.00} Payments made XX/XX/2020, XXXX & XX/XX/2020 Ive included a copy of my credit card statement showing payments to XXXX XXXX
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| 07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX reported me to a collection agency ( Credit Management/CMI Group ) in XX/XX/2020 after I disputed a cancellation of service date and subsequent charges. I was never notified I was reported to a collection agency. My account with XXXX up until that time was spotless, as is the rest of my credit report.
Additional History : After settling the dispute and making a final payment to XXXX on XX/XX/2020, I thought the matter was closed. I applied for a line of credit in XX/XX/2020 and noticed that my credit score was much lower than usual. I investigated and noted that XXXX had turned my account over to Credit Management as noted. I contacted Credit Management but was told they could do nothing unless XXXX called them and canceled the collection request - they did not offer to contact XXXX directly. I subsequently contacted XXXX XXXX, and the gentleman XXXX XXXX XXXX that was initially assigned to my case, multiple times and never received a call back. On a subsequent contact, I was referred to a department that told me that XXXX never refers accounts to collection agencies and would/could not help me further.
With a final attempt at contact with XXXX XXXXCMI Group, with the XXXX XXXX XXXX listening in with an extra phone, a manager at XXXX XXXXXXXXCMI Group ( XXXX XXXX - she was very helpful ) stated she would cancel the account with XXXX and notify the credit bureaus to remove the derogatory report from Credit Management/CMI Group.
I went into my XXXX XXXX Credit Report on XX/XX/2020 and the Credit Management negative report is still there, unchanged.
I am getting ready to apply for a new home mortgage soon and need this reference removed as quickly as possible in order to improve my credit rating and credit score.
I am very concerned about how XXXX treated me ( which I think might be illegal ), and concerned that Credit Management chose to report me to the credit bureaus without seeking my input. Do they have the right to do that?
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| 02/13/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In early XX/XX/XXXX, I received a debt collection letter from Credit Management LP stating that I owed a debt to XXXX XXXX in the amount of {$170.00}. The next day I mailed them a debt verification letter through USPS certified mail. In the letter, I informed them that I disputed the debt because I had spoken to XXXX about the inaccurate debt and I was awaiting a response. I informed them that when I had XXXX I closed the account in XX/XX/XXXX. When I closed the account I had a XXXX balance and received a final bill. Almost 2 months later I received another bill that was {$170.00}. I called and a representative named XXXX and then XXXX stated that they didn't know why. I was then told to go into an XXXX store to discuss it with a store rep. I went to the store and asked for copies of the bills to verify the information and was told that they can only show me the last bill and could not print in-store because they were saving paper. The store rep stated that after I closed my account that an adjustment had been made but she didn't know why and that I needed to call back. She also stated that she had ordered all of my past bills and payments to have them mailed to me. I never received the bills, payment history nor a phone call back about the debt. I then received the debt letter from Credit Management.
Credit Management mailed me the letter only about 2 weeks ago and immediately reported it as a collection on my credit, which has negatively impacted my credit file. Instead of waiting for the 30 days that they are required to wait they decided to illegally move forward with an invalid debt collection tactic. They never even replied to the letter I mailed them asking for verification of the debt. No one has a valid reason that the debt even exists accept that XXXX/XXXX said they adjusted a bill. This is an underhanded tactic from XXXX for me canceling their service and Credit Management attempting to make money from an invalid, unverified debt.
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| 10/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I started receiving bills from the XXXX ( XXXX # XXXX ) company for which I had never opened any account, nor ever received any services from them at my XXXX XXXX, MI address. I phoned them on 4 different occasions to remove this from my name. Each time they researched that in fact I did NOT have any of their equipment and there was NO activity noted on this account. Each time they agreed to remove this. Then I received a notice from the Credit Management Company ( XXXX # XXXX ) about this amount past due of {$180.00} and charges for ending my " contract '' early. I phoned them immediately, shared the same information and they agreed to stop action on this and communicate with XXXX about it. I then receive notice it is a new collection account showing up on each of the 3 credit reporting agencies records. I phone XXXX XXXX more times about this, I have dates, names, etc. They agreed to credit this account to XXXX and apologized for the issue. They also agreed to make sure the Credit Management , LP company would make this right and it would be removed from my records. As of this date, I have put in disputes with all XXXX credit agencies, and XXXX keeps confirming it is my account, WHICH IS INCORRECT. But When I call them, they agree, It should be removed from my name. I have never had an account at my home address with this company and I have tried more than enough to set this right. It is absurd at this point that they have marred my credit record by reporting about an account I never had, started, opened, or used, EVER. I DO NOT KNOW what else to do at this point. They agree it is an error each time I contact them, but it has not been removed from my credit, which is effecting my credit rating and causing very serious issues for me. I don't even understand how they are getting away with this. It has to be ILLEGAL. I need them to make this right and remove this account from my name and credit accounts IMMEDIATELY! This started in XX/XX/2022.
|
| 09/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I have been a customer of XXXX for at least 30 years. I moved to Florida for XXXX years and I had them there also. I have always given them the opportunity to use my credit card to collect my monthly charge. In XXXX or XXXX I dont remember exactly, I called the company and spent two hours on the telephone to downgrade my current bill. The whole time I was talking to their outsource person possibly in the XXXX, I dont know. After that time went by I was very happy because they downgraded me to a cost that I could possibly afford. They downgraded my XXXX bill to approximately {$100.00} per month. After spending all of that time on the phone with them I neglected to check my statements from XXXX and when I did check my statement, they upgraded me to {$170.00} for one month and {$190.00} for the following month. when I saw my statement I am mediately called XXXX and again spent a number of hours at different times trying to get through to them and all they kept insisting was is that I upgraded and I didnt downgrade. There was no way I wouldve done that. Apparently whoever I was talking to in another country Did whatever they did. I am mediately called my bank, XXXX Bank, and they called it a fraudulent charge and removed it from my account. They have been constantly harassing me even after I moved back to Pennsylvania and will not listen to what I am telling them. I have refused to pay them but I just two days ago and received another bill from them for a total of {$590.00}. They have not even credited me for all of the tools that they gave me and I have been unable to make any progress with them. When I received this bill again yesterday it was after I spoke to them when they called me a few days ago told them the whole story, and all they did was send me another statement for {$590.00}. Ive been with XXXX for many years and have always paid them on time. I have refused to pay this bill and I am asking for your help. Thank you, XXXX XXXX XXXX,
|
| 11/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am filing an urgent complaint regarding an unauthorized and fraudulent collection account reported by Credit Management LP on behalf of XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. I want to assert that I have never conducted any business or held an account with XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by Credit Management LP cease immediately. It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by Credit Management LP. I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. Please do not hesitate to contact me should you require further information or supporting documentation. Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue.
|
| 09/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
I contacted Spectrum Cable in the beginning of XXXX XXXX in regards to an old outstanding debt I had with XXXX XXXX XXXX, which they now own. The XXXX representative told me that since merging with XXXX they eliminated their collection dispute department and that if I wanted to pay a lesser amount then what they had listed as owed, I needed to contact the collection agency who held my debt, which is Credit Management, out of XXXX, TX. I contacted Credit Management and told them that I would agree to pay the amount owed for past due services which was {$320.00}, but I was unwilling to pay the additional {$420.00} XXXX was looking for lost equipment as I attempted on multiple occasions to return the equipment and the pickup 's I scheduled were ignored and went unfulfilled. The representative at Credit Management stated I would have to put the request in writing and they would send it to XXXX to see if they agree on a lesser amount, which I did. On XXXX, rather then respond to my request to pay a lesser amount, Spectrum contacted Credit Management and withdrew the debt. The collection agency stated that I would need to contact Spectrum to see why the debt was withdrawn after I offered a lesser payment amount, as the debt was withdrawn but listed as " not satisfied '', meaning the amount is still owed. I called Spectrum today, XXXX/XXXX/XXXX, and they stated that they have no idea why the debt was withdrawn and that it will take an additional XXXX business days to get a response as of why. I feel like Spectrum had misinformed me in the beginning process and now that I have offered a lesser amount through the collection agency, is attempting to prolong the process and offer misinformation in the hopes I will give up and pay the full amount the feel is owed. I have stated on numerous occasions that I am trying to pay the debt off to obtain credit financing for a home purchase, and it seems like I am being taken advantage of.
|
| 05/25/2020 |
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
|
|
Web |
|
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Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Credit Management Lp ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
|
| 04/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : CREDIT MANAGEMENT Account number XXXX
|
| 02/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XX/XX/2018, there was were faulty plumbing, wiring, and heating unit issues in the property I was renting/leasing at the time. I was told by the landlord that it would get taken care of immediately. It never get taken care of, as a result, the electric bill for one month alone was over {$1000.00} due to these faulty issues. The landlord was supposed to pay this bill, since it was his fault. However, instead this was charged to me. I was not informed this would affect my credit, but since I could not get any hep from the landlord, I did my best to pay this debt anyway. I never received any notice that this would be transferred to collections. However, when collections did call me earlier this year, I still attempted to settle the debt by getting on a payment plan for the sake of my credit. They told me that this would not be reported negatively on my credit report if I began a payment plan. So I proceeded. I have discovered that that they STILL reported negatively on my credit report, and this is hurting me terribly. All this for a debt I do not even owe. I can not get any help on this matter from the company collecting the debt currently listed on my credit report CREDIT MANAGEMENT LP. I also could not get help from XXXX XXXX XXXX who initially charged me such an outrageous bill from a faulty home that the landlord was supposed to repair. I was never even notified in writing about the outstanding balance or that it would be sent to collections. I spite of all this, I am still on the payment plan and am working to pay off this debt I should not owe as agreed when promised it would not affect my credit report if I took action. With that said, I would like to please get this negative remark removed from my credit report ASAP. Although I wish I did not have to pay this at all, I understand someone needs to pay it and I know my former landlord will not. I truly appreciate any effort on this issue.
|
| 12/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone.
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This collection agency has furnished a medical record to my consumer report illegally without my authorization under HIPPA.
HIPPA is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose PHI, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and healthcare operations Opportunity to agree or object to the disclosure of PHI An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of PHI, without an individuals authorization or permission, for 12 national priority purposes : When required by law Public health activities Victims of abuse or neglect or domestic violence Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons Cadaveric organ, eye, or tissue donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the 12 priorities listed above.
This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.
|
| 06/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I called on XX/XX/2020 at XXXX CST to negotiate my payment terms. I agreed to pay only if the account was completely removed from my credit report. The call center representative then said I can go online and request that the account be deleted after I finish paying it, so I gave them my card information and scheduled two payments of {$290.00} for XX/XX/2020 and XX/XX/2020 via phone. I go and look at their website ( https : //www.thecmigroup.com/ ) and there is not an option to request that they delete a collection from the credit report like the call center rep stated. So then I cancel the debit card, so the other payment will not be processed. I then called the CMI Group on XX/XX/2020 at XXXX CST asking for correspondence saying that the debt will be removed in turn for the last payment, then the call center rep stated that it is their companies policy to not delete accounts from credit reports after they has been paid. I agreed to pay the balance on the premise of the account being deleted from my credit report, the first call center rep that I spoke to on XX/XX/2020 lied and deceived me into paying the account by saying that I can request that the collection be deleted on their website which is false because ( 1. ) its not on their website like he said and ( 2. ) the CMI Group 's policy states that they do not delete paid accounts from credit reports according to the call center rep I spoke to on XX/XX/2020. CMI Group is an unethical organization that lies and tells debt consumers what they want to hear in order to collect debt. This company does not need to be in business, with their egregious unfair practices and tactics. Also, during this whole time, I have never received any written communication from the CMI group about my debt even after I made the initial {$290.00} payment, I do not even know my account number with the CMI Group.
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
It was unfair the way this debt collection was carried out by XXXX and their collector company. First of all, I was enrolled in auto pay for my internet service with XXXX. That means that I did ALL my payments ON TIME while using their service. I kindly called XXXX and let them know in advance that I would no longer need their service because Id be moving out of state where, unfortunately, they dont have service coverage. They couldve charged that amount to the credit card that I had on file with them and/or could have send me an email or call me to remind me about that bill that I wouldve taken care of immediately as I did with all my previous payments. I tried to find out what had happened and called XXXX directly as soon as I received the alert on my credit report. They told me they couldnt remove that bill from the agency, even though I called the same day I received the alert and when they knew of my good payment history. They told me they didnt have my account details, nor my credit card information. So I went ahead, called the agency and paid the amount right away. I was told the report would be removed from my credit score in 3 months if I could pay the amount that day, which was always my intention since Im VERY responsible with my payments. To make it more upsetting, Ive been getting monthly bills -without outstanding balance- from XXXX in the mail after I paid that amount to Credit Management , LP. Why would they then have my information after this but not one or two months after cancelling their service? They shouldve attempted to call or send me an email ; but they never did. Now Im left with a terrible credit score for their incompetence when Ive been paying all my bills, and this was all for the ridiculous amount of {$140.00}. They can and should do better to make their costumer feel valuable.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This collection agency did not send letters, failed to email me or communicate properly to notify me of the debt prior to placing it on my credit report. I sent them an overnighted letter ( with a return receipt an tracking ) to demand they verify the debt, to prove that I made a good faith payment ( despite it being an open fraud investigation ) and to request that they remove the negative reporting during this open investigation. I also submitted verification ( bank statements ) showing my current address. Instead of complying, they contacted the credit agencies AGAIN and added and " XXXX '' flag to my credit file in order to hurt my score even more. They received my letter at approximately XXXX that day and by XXXX they flagged my credit profiles to aggressively attempt to ruin my credit by ignoring the information I provided them.
XXXX XXXX XXXX XXXX department received all my correct contact information to investigate the fraud and also took a good faith payment despite it being an open fraud investigation. In the letter I overnighted to Credit Management LP, I informed them of this and they ignored it and attempted to damage my credit more by adding negative information to my credit file.
I called XXXX to dispute this account over XXXX year ago ( which I now know is a fraud account ). I had no luck as the company took my complain but never got back to me about my claim. This collection company, Credit Management LP suddenly put a dent on my credit report without contacting me. I have never lived at the address the XXXX bill was sent to, I notified XXXX I had no access to that address and XXXX never reached out to me to pay the bill. They called about the boxes XXXX day and I re-informed them that I don't have access and don't live there. An open investigation is ongoing but the account is PAID.
|
| 06/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from CREDIT MANAGEMENT. I am not responsible for this debt with CREDIT MANAGEMENT. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
|
| 12/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX Account # XXXX Per Federal Law based on previous requests for validation this company never properly provided 5 required items accordingly to congress to properly substantiate alleged debt. Furthermore, pursuant to permissible purposes of consumer reports I as the consumer never went into a contractual agreement with Credit Management or gave written correspondence per USC 15 1681b ( a ) ( 2 ) to furnish my information. I currently have an account with XXXX XXXX and was advised that when this account was opened that there was no outstanding debt which allowed me to be able to obtain service with them. No company would allow you to obtain service considering there was an outstanding debt owed. XXXX XXXX providing my personal information without my consent is a violation of my privacy as a consumer.
Credit Management never provided proper validation of debt which is further violation. In addition to this error being on my consumer credit report I have been denied housing for myself and my family and have lost out on interest rates and funding as a result of this showing on my consumer report WITHOUT my consent. Proper comment coding was never placed on my account to accurately reflect that the account was in dispute and to add insult to injury this deranged collection company has committed identity theft by reflecting my information illegally. Please provide proof of contract between myself and Credit Management and proper validation of said debt. I'm prepared to go to the highest level and have all paperwork regarding his this erroneous reporting and alleged debt has affected myself and my family. Credit Management has countless violations and I will be sending notification directly to the company outlining these as such.
|
| 11/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT MANAGEMENT. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I disputed this information from my credit report which is being reported to XXXX back in XXXX XXXX. I asked for verification of this bill and never received anything. I then contacted the company in which they say I owe the bill to. XXXX dba XXXX and spoke to several representatives at which time I advised that the bill had been paid and the service was to be turned of in XXXX of XXXX at the latest, but for some reason I was still being charged all the way up until XXXX XXXX. I have payments that were posted to this account from my bank account and I also have proof that I was no longer at this address as of XXXX XXXX. I feel as though the company is just trying to get something out of me that should not be. I even offered to pay them {$150.00} to settle this account and get removed from my credit report, but they refuse. I refuse to pay for service that I did not have, but was willing to try and meet them halfway. Below are the payments made to XXXX and when I cancelled service and started with XXXX from my bank account with XXXX : Payments to XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Other Withdrawals and Service Fees continued on next page XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISCELLANEOUS XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX PURCHASE XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX This has been an emotional stress on me due to them trying to continue to collect more than what is due. Received letter stating that XXXX XXXX does not accept settlements on accounts.
|
| 09/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX To Whom It XXXX Concern : XXXX XXXX XXXX XXXX Please be advised that I have received your correspondence. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.
Awaiting your reply in a timely manner.
Sincerely, XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default.
Status Update : XXXX Original Creditor : XXXX XXXX
|
| 08/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly.
After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015.
Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015.
After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report.
The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies.
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX. Subject : CREDIT MANGEMENT LP Opt-Out Request for Sale or Sharing of Personal Information Dear. CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
|
| 12/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector company by name, Credit Management LP is falsely representing that I owe the sum of {$59.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
I have never come across the name of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, let alone order or request any service or product from them. I have also never received any bill from this XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
I received only one debt collection notice from Credit Management LP and this was dated XX/XX/22.
I responded to them asking for details of this unknown debt and requested VERIFICATION AND VALIDATION amongst other details.
Credit Management LP responded with only the same information they alluded to in the only other letter they sent to me earlier, to the effect that XXXX XXXX XXXX XXXX is the creditor and the only other information they provided apart from the name of the creditor is the po box XXXX XXXX XXXX XXXX XXXX.
They incredulously stated that they are referring me back to the validation information they provided in the same letter they sent earlier dated XX/XX/22. This so called validation information they are referring to ONLY provided the name of XXXX XXXX XXXX XXXX, and the amount owed {$59.00} as of XX/XX/22.
As if the foregoing is not enough, Credit Mangement LP. have subsequently sent this false debt information to the Credit bureaus, without providing any validation of the debt.
Credit Managment LP indicated in their only response letter, that if I sent a written requent to them asking for validation of the debt, they will be sending follow up correspondence to me. As of today, XX/XX/22 no correspondence have been received, and yet they have rushed the so called debt to the Credit bureaus!!!
|
| 08/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is pertaining to a debt that is not mine for the company XXXX XXXX for the amount of {$40.00}, they sent it to the Credit Management L.P. collections agency and the agency is now reporting I owe them a total of {$70.00} for the original amount plus fees. The start of the story : XX/XX/2023 : I called XXXX XXXX multiple times in XX/XX/2023 as we were moving to another state. I called before we moved out and AFTER we moved out to confirm our bill was settled. We moved out of WI in XX/XX/2023. I wanted to make sure our account balance was paid in full after we moved out. I was told by XXXX XXXX on the phone not only was it paid in full but, they had closed my account since it was paid in full and we had moved and were no longer customers. Then I got an email saying we had a balance ( after I had called and was told it was a zero balance and the account was closed ). I tried to log in online but, my login info didn't work since they had already closed out our account. I called XXXX XXXX later again in XXXX, and again, the person on the phone told me we had paid in full and the account was closed. I never received a zero balance confirmation after paying in full at the end of our lease term. They closed our account so I could no longer go into the online account to print off a zero balance. The company never called me. Next, they sent a bill to collections. They never called me about this. If there is a new bill for the address where we lived it should go to the landlord. I called the collections company Credit Management L.P. to dispute the charges. They had me fill out an online form. I never heard back from anyone and I am very concerned as these are not our charges.
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CREDIT MANAGEMENT LPIS REPORTING FALSE INFORMATION TO MY CREDIT REPORT ( ACCT # XXXX ) AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b )
|
| 11/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/19, Credit Management has responded VERY unprofessionally to my dispute from XX/XX/19. After asking for proof that i owe them or ANY signed agreements that i ever contacted them for a service and agreed to pay them, I received a response that they failed to investigate. Never have i seen a agency respond in a day after being requested to validate the debt they claim i owe them.
In their response, they ADMITTED to trying to find a signed contract or any form of agreement from me, but COULD NOT! All they supplied are bills they made with my name on it and an address that is not mine!
I will not stop until this illegal, unverified account is REMOVED from my credit reports. Their horribly unverified little account does not hurt my well established credit report, as I wouldn't have known they were reporting to the bureau 's until i signed up for a credit monitoring service.
Credit Monitoring : 1. Show me proof that you are licensed to collect a debt in the state of Louisiana.
2. Show me PROOF that I XXXX XXXX of XXXX, LA. XXXX, ever signed any agreements with Credit Management. ( NOT A BILL THAT ANYONE CAN TYPE UP WITH MY NAME AND AN ADDRESS ) I can type up a bill with their name and address on it and claim that " they owe me ''. Verification of spelling my name correct or any incorrect information they have on file for me is NOT what we're asking for.
My lawyer and i will be using legal actions to sue if this unverified item is not removed from my credit report. I'd highly advise they do not write such a horrible response again and actually provide real agreements and not a bill with my name on it, above a residence i do not live at.
|
| 03/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received an alert from consumer credit monitoring service that a collection account had been placed on my XXXX credit file. Debt had previously been disputed and removed because the Original Creditor and their previous collection company had both violated the bonding requirement prescribed by Texas Finance Code Section 392.101 by attempting to collect on a debt in Texas without having a Surety Bond on file with the Texas Secretary of State. Original Creditor has again violated the same Texas laws and also specifically by violating Tex. Fin. C. 392.304. Violations of the Texas debt collection act are per se violations of the Texas Deceptive Trade Practices Act. Tex. Fin. C. 392.404. D.T.P.A. damages for violations of the Texas debt collection act are not limited to economic damages but encompass all actual damages, without regard to whether the conduct of the defendant was committed intentionally. Tex. Bus. Com. C. 17.50 ( h ). The Texas act also applies to first-party creditors, that is, entities attempting to collect their own debts. Tex.Fin. C. 392.001 ( 6 ) ; Tex. Fin. C. 392.301, 392.302, 392.303. The Texas act also allows for injunctive relief. Tex. Fin. C. 392.403 ( a ) ( 1 ) ( A person may sue for injunctive relief to prevent or restrain a violation of this chapter. ) Both creditor and the new collection agency failed to give any notice of the debt prior to placing the item on my consumer credit file. The Original Creditor has lost its right to collect on this debt because they previously violated Texas Consumer Protection laws and are deceptively causing the consumer to lose rights by transferring/selling the debt to another collector.
|
| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a bill from XXXX XXXX XXXX company XXXX 2015, XXXX months after I terminated service in XXXX 2015. I wrote back multiple requests asking for a detailed summary of charges since at the time of termination I was told by the rep, I was owed a credit since I was billed a month in advance per their billing cycle. Surprised when I received a bill but no explanation of charges. Mailed multiple requests asking a detailed summary of charges. Never received anything. Next thing I know, I receive a letter from a collections agency on behalf of XXXX XXXX. I called them finally to try to get to the bottom of the situation. Was told they received my requests for a detailed summary of charges and had mailed one out but I never received it. I then asked what the charges were for and the collection agency said for close out fees. Please note I was not on any type of contract with XXXX XXXX but on a month to month basis. I also informed the rep over the 5 years I was a XXXX XXXX customer, I never was notified of any close out fees on a month to month service basis. The rep then put me on hold and transferred me to a manager. The manager was rude, cut me off multiple times and said they will be reporting me to the credit bureau. How is this fair and is this not against the law? A consumer is asked to pay a debt blindly with no explanation of charges whatsoever, no response to multiple requests of a summary of charges and then told the fees are for close out service fees that I was never made aware of? Is this illegal? How is a consumer to protect themselves and their credit against companies like this? What can be done here to protect me, the consumer?
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also read the attached letter and review all of the violations by your company
|
| 09/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2020 I paid XXXX dollars I owed to credit management collection company. That payment was initially supposed to go to XXXX XXXX XXXX. I paid by money order and mailed it to credit management. I called XXXX the day I mailed it to let them know. I told them my info, they gathered it and said fine. I called credit management about a week after I mailed the money order to see if they received it and they told me no they haven't. Waited another week called them and they told they do not have my case anymore, spectrum took it back. So I asked you did received payment they told me, we sent everything to XXXX. So I asked is my balance paid with you guys and they said it's not paid but you need to call spectrum because they have your case now. I called XXXX and now they are saying they don't have any history of me being a customer which I was. And just 2 weeks XXXX agent and I gathered my information on the phone in there system and now they tell me they don't know who I am. Neither one of them know what's going on now that I paid them. So I called credit management back and complained about how they had my case and spoke to them before I sent payment and all of a sudden you don't have my case anymore. The agent from credit management kept saying at least it's off your credit report. So I was happy it was off my credit report and had hoped XXXX got paid and removed me from there system. Now 2 months later on XX/XX/2020 another credit collection agency by the name of XXXX sent a collection notice for the same balance. I really believe all 3 companies are in this together. And I believe XXXX is the same as credit management.
|
| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Credit Management Lp is reporting a debt owed to XXXX that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX.
I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours.
I also told her that I never received anything from them to give them this information before they sent this to the XXXX credit reporting agency.
I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief.
They are reporting inaccurate information XXXX. Owner of Debt XXXX. Amount they said they had on file and the amount reporting to XXXX XXXX. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX Original Lender XXXX XXXX Agency Name Credit Management Lp Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual
|
| 03/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I wouldn't know my credit report was damaged until I planned to get a pre-qualification letter. I never think of that I will have problems with my credit score because I always pay off everything on time. But my bank Mortgage specialist told me that I did have a Collection reported on XXXX! I tried every way to look it up, found out that is a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX which I have ZERO knowledge about this company or NEVER received ANY letter from this company!! SO I called XXXX to dispute the collection, also asked how this happened, the customer rep provided me with a number to call CREDIT MANAGEMENT. I called CREDIT MANAGEMENT, a lady who answered my phone asked for my whole SSN, my last name, my mailing address, she answered me that I have no collection under my name! I told her that there's a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX. She put me on hold, after a few min, she asked for my birth year, and my first name. Then she told me that the one who is under that collection has the same Last name as mine, but her birth year is XXXX, mine is XXXX, plus we both have totally different mailing address! Which is a ridiculous mistake!! How can a collection company made this kind of funny joke to high impact on a person 's credit score? So the lady told me to hold and transfer me to their customer relation, which made me wait for more 20 min on the phone, ended up with asking me to leaving a message for them to call back on an auto machine setting!
|
| 10/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
My apartment in XXXX, Nebraska has a leasing agreement with XXXX XXXX. When I moved out- under my lease agreement I was to leave the equipment at the residences. Which is exactly what I did. Appartment XXXX sent me to collections for {$140.00} for unreturned equipment. It was originally {$200.00} but they used {$56.00} of credit on my account towards it. I did not find out I was in collections until XX/XX/2023. Looks like it was posted to my credit on XX/XX/2023.
On the morning of XX/XX/XXXX, I got a written letter via email from my landlord stating they have a lease deal and no equipment was to be returned. Additionally, I called XXXX and let them know my situation. They stated that they never notified me about any unpaid amounts due to equipment. They were going to reach out to their equipment team to see if they could resolve it.
I got an email on XXXX saying that my " equipment '' has been returned. Basically they nulled the credit to my account. I also went to XXXX online chat support on XX/XX/XXXX to get written proof from the chat transcript. They let me know that the charges have been rectified and that I would be receiving a {$56.00} credit for the incorrect equipment charge that was taken from my credit.
These charges have already been sent to collections and my credit dropped nearly XXXX points. I need help getting this off my credit. Can XXXX reach out to the collectors to rectify this? Additionally, I have disputed collections with the creditor and the 3 credit bureaus via online. Any help and consideration to fixing this would be greatly appreciated.
Thanks, XXXX
|
| 06/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
I received a notification from the credit monitoring website XXXX XXXX regarding a derogatory remark added to two credit reporting agencies ( XXXX ) XXXX These derogatory remarks alleged that I had incurred medical/health services debt of {$130.00} in some medical office in XXXX, Texas, since XX/XX/2021. I am confident that I do not owe such debt as I have never visited or received medical care services from any healthcare provider in that area. The collection company Credit Management , LP, by stealing my Personal Identification Information ( PII ), used false, deceptive, and misleading representation in connection with the collection of this illegal debt collection, which affected my credit ratings.
This company never disclosed any written communication regarding that supposed debt and unfairly and unconscionably attempted to collect a debt I had never incurred. This company intentionally affected me personally by damaging my credit ratings.
I immediately took action by directly disputing the alleged debt and requested from them all the information needed to clarify this illegality committed by this collection company. The company, in a letter, supposedly discontinues the collection of this illegal debt but identifies the file number, an account identifier, and current balances that can be interpreted as these were assigned in my name.
According to extensive research, this company has continuously conducted itself unfairly and deceptively against other consumers and me.
I will greatly appreciate your attention to this matter.
XXXX XXXX XXXX XXXX XXXX.
|
| 05/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I got a bill amount of {$63.00} from XXXX on XXXX/XXXX/2015 for the internet services which is unpaid at this time.
Here is what happened - I took internet connection at my apartment with XXXX on XXXX/XXXX/2015. After installation, I started having problems with internet connection coming in and out.
I called up XXXX Customer Care multiple times and they created escalated tickets ( Number - XXXX ), work orders ( XXXX, XXXX ) and sent technicians XXXX times to my house but none of them were able to fix the issue.
I was also told by Customer Care that XXXX will credit {$20.00} for every technician visit if the issue is unresolved.
Bad internet connection affected my office work ( because I work from home ) and I was so much frustrated that I had to disconnect XXXX services in less than a month on XXXX/XXXX/2015.
Then, I got a bill from XXXX on XXXX/XXXX/2015 stating that {$63.00} is outstanding on my account.
I did n't pay this amount because I feel as a consumer I did n't get the services which XXXX promised to provide when the new connection was taken. I called up XXXX Customer Care multiple times to waive off charges on my account, but they did n't bother to act on my concerns. Now, collection guys are threatening me to pay off balances otherwise it will be reported on my credit history.
I have never defaulted on my payments for loans, credit cards, utilities in the past and have a clean credit history. I feel I have been cheated by XXXX and need CFPB to help me with resolving this issue. Thank you for your consideration and support in advance!!
|
| 04/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone.
This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter.
|
| 06/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I canceled my cable with XXXX last year in 2014. They sent a representative to pick up the equipment we had. I was home at the time and personally saw them. A few months later they sent a bill for {$120.00} for not returning the equipment. I made several phone calls to them over a few months period. I offered them to return and check our home for what they may have left behind. Nothing would work. They finally sent a bill of {$120.00} to a collection agency. We contacted them to resolve the matter and they were not very helpful. We contacted XXXX once again and finally thought the matter was resolved. As a matter of fact they actually agreed with us and even went so far as to issue a refund check for {$42.00} XXXX 2014. We assumed with the refund and numerous conversations that this matter was resolved. Fast forward a year later after no longer receiving any correspondence from XXXX or the collection agency we applied for a new mortgage and found it has destroyed my credit rating. I have prided myself on having a perfect credit rating for over 30 years! I pay may bills on time and have no blemishes at all on my record except for this. This small amount of {$120.00} has destroyed my credit rating and I am getting a run around from both companies.
Against my better judgement I paid the {$120.00} in order to restore my credit. I have yet to hear anything from them and need help. Because of this I am forced to pay a higher interest rate on my mortgage. This is so unfair and upsetting. Please let me know what my options are.
Sincerely, XXXX
|
| 09/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did.
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received.
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX.
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars.
I request XXXX be fined and pay me damages of {$100000.00}.
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.
|
| 10/22/2020 |
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
|
|
Web |
|
|
On XX/XX/2020 I called and spoke with XXXX XXXX at XXXX, at Credit Management Resources. First of all, I never received a bill from the original creditor, confirming this, they had an old address on file from 5 years ago. I went ahead and paid the {$65.00} on my account and was promised that it would be removed from my credit file. on XX/XX/2020 the account still was showing but with a XXXX balance. On XX/XX/2020 at XXXX XXXX I checked my credit report, and to my dismay, the account was still on the file from XXXX, It had been removed from XXXX, I called XXXX and spoke with XXXX ( I think this was her name, she spoke fast, and would not repeat her name ) She confirmed that I had a XXXX balance. I asked if they could contact the credit agency and remove the account since it had been completely satisfied I even reminded her of the conversation from earlier ( last month ), She stated that once it has been paid to a XXXX balance, they are not required to remove it from the credit file, I then asked to be escalated up to a supervisor, after about a 5 minute hold, she informed me that no supervisor was available, my response was that I would just report this to the Consumer Financial Protection Bureau. I feel that my consumer rights have been violated, I am being adversely impacted, although I have paid my debt in full. The address to the Collection Agency is as follows : Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Thank you for addressing this issue and advocating for consumers such as myself.
XXXX XXXX XXXX, TN
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I keep getting repeated calls from a specific number that refuses to leave messages. Today I happened to pick up the phone to see exactly who is calling from the number, and it turned out to be Credit Management. The caller asked for my first name which I verified, she then verified my previous house number and street name, and I confirmed that it was an old address. Before I provided any further information, I asked who she was and what business they were calling about. The caller got rude on the phone and refused to tell me the nature of her call. She then said that since I refused to verify my identity, she can not provide me with any details about the company and why shes calling. She then also said that they will continue to call me until I confirm my identity, so I replied that I will continue to demand to know whos calling me before I release any other info.
I googled the company to see if they are legitimate, and started to file a complaint but I would first need to divulge a lot of my personal information. I called their toll free number and asked to speak to a manager, and I was put to hold for XXXX. He refused to tell me anything about the nature of their call, other than the name of the company. I told him that were not going to get any further so please stop calling me as I have trouble sleeping at night and Im XXXX. During this tax time season, and the many ways that people are getting scammed, Im very skeptical about anyone calling me demanding confirmation of my identity, if they wont identify themselves first.
|
| 09/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received or returned a phone call on XX/XX/2020 at XXXX hours to/from credit management asking how would I like to take care if a XXXX $ bill place with them for collection before it was added to my credit report. I told them over the phone whatever information you have please send it in the mail and I would respond to a letter, Credit Management never mentioned over the phone that I can dispute the debt. So after the call, I sent a letter stating that I am disputing the debt, and asking for validation and verification. They said they received the letter on XX/XX/2020. On XX/XX/2020 I receive a notification saying a new collection account has been added from them. I called the same day and asked about it and the said the sent a letter on XX/XX/2020 and I asked what did the letter say and they said it was system generated and could not tell me, and wait for a manager or sup to call me back by the COB tomorrow. I waited and I called back on XX/XX/2020 and was told that they dont know and its been 30 days and I didnt dispute so they added it to my report anyway and its going to stay there until I pay it, even after mentioning I never received anything in the mail. And they told me that I have to contact the original creditor to get details, so I did. I called XXXX XXXX on XX/XX/2020 XXXX hours, after being transferred they told me that I couldnt get any info on the account because I didnt know the security pin or question, and was redirected back to the collection agency that has all the information and details of the account.
|
| 02/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received an alleged " Collection Notice '' on XXXX/XXXX/2017. Debt is from XXXX c/o Credit Management LP. Allege due amount is {$200.00}. I have immediately contacted the XXXX ( my internet provider and the ONLY XXXX that I have brought service from ). Their security department told me that they do not own " XXXX '' and have not heard of this company before. They also verified that my account is still in good standing and there are no debts sold. I then Immediate contacted Credit Management LP with the phone number that provided on the allege " Collection Notice '' Which is XXXX. I have refused to provide my names and any of my personal information when I called. Instead, I gave them the reference number, client number and Creditor account number that they provided on the allege " Collection Notice '' and told them that I do not own such debt and please remove all my personal record from their records and do not contact me ever again regarding this fake fraud debt. If this fraud/scam continues, I will contact my lawyer and seek litigation against their company. First time I called them and said the above statement, they immediately hung up on me and the second time I called, I said a very similar statement, the lady on the phone said " Thank you '' and hung up on me again. I have kept a very close eye on my credit report. So if there are anything fraud is happening I will go above and beyond to seek legal actions to protect my rights and my properties. and to ensure there are no more victims falling for this scam.
|
| 05/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
To Whom It May Concern : I am writing to contest an unfair charge from XXXX XXXX. Per page marked XXXX, XXXX asserts the opportunity to charge customers on the Internet Essentials program any figure, whenever they feel like charging it. I have circled two phases that relate to my complaint. The program I enrolled in " Internet Essentials '' is for people who receive community support in the form of school lunch program for children. The program offers internet at {$10.00} a month. It reads at the bottom of that same page that XXXX has the right to change the price at any time. For two months of service they charged me {$10.00} plus and extra {$150.00}. This resulted in a bill of {$320.00}.
I did not agree to terms where I would be charged any price especially exorbinant prices with over a100 % mark up. If I had prior written notice, which XXXX asserts it does not have to supply, I would have cancelled/disconnected the service immediately. I did cancel after I received a bill for {$160.00}. By that time, I have received a second month 's charge of {$160.00} because of the billing cycle. I am willing to pay the {$20.00}, and the account is cancelled so no further charges are being incurred.
I could never afford those prices. I have a XXXX year old with XXXX and I need to spend my money on providing for him. This unfair billing has been reported to a collection agency and credit reporting agencies. Please help me reduce this bill. XXXX does not respond to my attempts to reduce it.
Thank you, XXXX XXXX
|
| 11/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was contacted by The Offices of CREDIT MANAGEMENT, many times on the following dates : XX/XX/18, XX/XX/18 ( contacted twice ), XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, they called me after XXXX XXXX. I called them back and spoke with a rep. He asked me to give my address and the last four digits of my SSN. I asked him what he needed this info. for? He said it was to make sure that he was speaking to the correct person. I asked him what this call was about? He just told me that the call was about personal matters and that he was from The Offices of CREDIT MANAGEMENT. I asked to speak to his supervisor. However, she wouldn't tell me anything other than the name of the company. I asked both the previous rep. and his supervisor what do they normally call people about, i.e. was this call for debt collection? Again, they would only tell me that this call was about personal matters, I would have to give my personal information, and that they were The Offices of CREDIT MANAGEMENT. I don't understand how you allow companies like this to even exist. The number I called them on was ( XXXX ) XXXX. When they called me on the other days, it was from similar numbers " ( XXXX ) XXXX XXXX '' I asked them to put me on the Do Not Call List. I didn't get any more calls from them. However, I started getting calls from numbers " ( XXXX ) XXXX XXXX '' Specifically, ( XXXX ) XXXX on XX/XX/18 from a company now called XXXX XXXX XXXX . They were asking about someone else. So, this could be a case of the wrong number.
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
The mother of my grandson, XXXX XXXX, rented a home from me at XXXX XXXX XXXX, XXXX XXXX Michigan from XXXX XXXX XXXX XXXX XXXX when she left suddenly and moved back to XXXX. During the time she rented, she apparently installed XXXX cable in the home, and put it in my name without my knowledge or permission. She had access to our home and personal information as the mother of my grandson and a " family member '' of sorts. When she left the home on XXXX XXXX, there was a bill with XXXX in the amount of {$440.00}. I was not aware of the bill until a subsequent tenant gave me a copy of the bill being sent to that home, in my name. I immediately called XXXX and was given the name of a collection company named XXXX that I was to contact. I completed a fraud packet with Convergent as well as a police report and I was told the bill was removed from my credit. Subsequently, XXXX engaged the services of another collection company named Credit Management. Once again I completed a fraud packet for credit management and attempted to have the debt cleared. I later learned that XXXX refused to remove the debt, and in order to close on my mortgage loan I was forced to pay XXXX {$440.00} on XXXX XXXX, XXXX. I did so under duress, because I needed to close on my mortgage loan, and do not understand why they did not acknowledge all the proof I had that this was not my account. I never lived in the home on XXXX XXXX, and I never requested cable and internet service to be placed in my name at that location.
|
| 03/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item is on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO a creditor is who collects they are on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. CREDIT MANAGEMENT LP. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Certified Letter XXXX Debt Validation Letter Account Number:XXXX This letter is sent in response to after I viewed this fraudulent account on my credit profile, I immediately sent a complaint to the CFPB.
I am requesting that you provide verification of this debt.
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt.
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
4. Please also note whether this debt is within the statute of limitations and how that was determined.
5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Respectfully, XXXX XXXX
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In XXXX of XXXX, Credit Management, L.PXXXX reported a fraudulent item linked to my social security number to all 3 credit reporting bureaus. Promptly, I provided Credit Management, L.P. with irrefutable evidence of this item 's classification as identity theft, documented through FTC IdentityTheft.gov. Consequently, this item was successfully expunged from my credit report across all three credit bureaus.
However, to my dismay, I recently discovered that Credit Management , L.P. has once again reported this exact item, bearing the same account number and originating from the same company, on XX/XX/XXXX. Despite their persistent attempts to dismiss the facts surrounding this item and portray it as distinct from the previous occurrence, on XX/XX/XXXX, I managed to engage one of their supervisors, XXXX, who acknowledged that it is indeed the same item. She assured me of its immediate removal from my credit report across all credit reporting bureaus.
Regrettably, it has been two weeks since XXXX 's pledge, and instead of being removed as a fraudulent item, this entry has been modified to indicate a paid-off status with a remaining balance of {$170.00} as of XX/XX/XXXX.
Numerous attempts have been made to implore this credit collection agency to adhere to the rules and regulations outlined by the Fair Credit Reporting Act ( FCRA ). However, their unwavering lack of cooperation and blatant disregard for these guidelines have resulted in substantial damage to my financial stability.
|
| 07/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had my credit pulled for as I have never had any credit and had an account from Credit Management LP on my credit report dated report date of XX/XX/2019. I called and spoke with a harsh rep as I have not had any accounts open with this company, she stated just pay my bills. I explained I have no idea what company this is as I have never used credit my entire life and she stated XXXX XXXX. I stated I live with my finance and she has her own cable which is XXXX XXXX so that can not be correct. I asked for documentation and an address that had this service, she stated she could not give this information and pay my bill. I stated I am not responsible for any bills I have not created. Asked to be sent documentation to my address showing I signed a contract or anything for this XXXX place as there is no XXXX company any where around me. I told lady it is my right to have documentation along with my signature and anything else before they can just give any one services, as well as Credit Management has not contacted me either regarding placing anything on my report without giving me proper notice in writing. Had I not been checking my credit, I would never knew this was on my report. Lady did not want to help nor send documentation. I filed a report with the FTC for identity theft and also sent Credit Management written notice certified mail to send me documentation of me signing anything with XXXX, they failed to send me anything not even a bill which is against Federal Consumer Laws.
|
| 10/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX File Number : XXXX XXXX XXXX XXXX : XXXX XXXX {$120.00} Dear Credit Management LP, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC.
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt.
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Thank you, XXXX XXXX XXXX.
|
| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. Credit Management Service 2. XXXX 3. XXXX XXXX XXXX
|
| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it.
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
In XXXX, after I canceled XXXX XXXX I was sent a bill for XXXX. According to my records I had paid everything and had a XXXX balance. I called XXXX and disputed the charge, at that time I used my records of my previous bills to dispute the charge. The man I talked to couldn't tell me where the charge was coming from so he said he would rectify the situation. Shortly after I got a call from a Collections Agency and notified them that the situation was corrected and they needed to talk to XXXX. Even after telling the agency this they still tried to get me to pay, but as far as I was tracking after talking to XXXX I didn't owe that charge anymore. I never heard anything about the charge or received any bill after that, until it showed up on my Credit Report. I called XXXX XXXX for further information. The lady I talked to notified me that the reason I wasn't tracking the charge is because it was from a different account back in XXXX that they transferred into the account that I was canceling in XXXX. They did this without my knowledge or without any notification, furthermore the guy I talked to the first time from XXXX had no clue where the XXXX charge was coming from. I Paid the full charge to XXXX and the apologized for the miscommunication. The delinquent dept I feel is wrongfully posted on my credit report because when I was told from XXXX the the charge was settled the first time I never received any notification from XXXX notifying me it was reinstated.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been getting phone calls from Credit Management for roughly two weeks at this point. I have received nothing in writing from them to validate the debt they are speaking on and in fact I have a zero balance letter from the company they are claiming I owe money to. Today XX/XX/22 at XXXX XXXX I received a phone call from XXXX and a " XXXX XXXX XXXX asked to speak to me, XXXX XXXX XXXX I told him I am XXXX and asked what this was in regards to. He asked me to validate my address, I asked the name of the company he was calling from. He stated my address again and told me to validate my address. I let him know I am not validating my address without knowing the name of the company. He then said " We will just reach you by mail '' and hung up.
XX/XX/22 XXXX XXXX I called the number back, got XXXX XXXX When calling I heard it was Credit Management via their recording. I notified XXXX that the previous agent was not allowed to refuse to provide identification. She asked me to confirm my address as well-but she did say the name of the company and said she could provide more information if I confirmed my address. I let her know Im aware of what this is about now, but my call is to alert her the previous agent, XXXX XXXX, REFUSED to provide the name of the company while demanding me confirm my address which he is not allowed to do and I will be filing a CFPB complaint on him for failing to identify his company while demanding personal information from me.
|
| 06/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Two new separate collection accounts have been added to my XXXX credit report in gross error. XXXX, and three other credit bureaus, are reporting in two separate new accounts that I owe XXXX XXXX {$790.00}. This is being reported by CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX. XXXX XXXX Account ID : XXXX, Client Number XXXX, their phone number, XXXX. This is the second or third time this account has been sold for collection. I disputed owing XXXX previously and won the dispute and the collection was taken off my account. I called and objected to collection by a previous collector on XX/XX/XXXX and filed an online dispute and won, on or about XX/XX/XXXX. No money was owed with my proofs of all returned equipment.
I suffered from XXXX XXXX twice in XXXX and in XXXX. After I cancelled XXXX. I called to let them know my family and I were in lockdown quarantine and I could not leave the house to return the equipment as I could not drive, but as soon as possible once the mandatory Michigan lockdown was over I would be happy to return all. At the first opportunity I drove to the main distribution center and returned everything. EVERYTHING WAS RETURNED. I should not have to pay collections fees and costs and have my credit destroyed I worked so hard to keep current even in a pandemic with Covid! This is wrong and not a valid debt. Please make sure this is taken off all my credit bureau records.
XXXX XXXX XX/XX/XXXX
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen as part of XXXX XXXX hack. A XXXX XXXX Two accounts were fraudulently opened using my name. According XXXX records two accounts were opened. One in Georgia using another persons name not my name. The other in XXXX Louisiana using my name. No payment were ever made on the fraudulent accounts. The accounts were subsequently sold to various collection agency. The amount for collections was {$800.00}. None of my current or previous addresses listed on my credit reports are in Louisiana or match the address in Georgia. I have never lived in Louisiana. I do not know the the exact time the accounts or the properties where XXXX delivered service fraudulently. I do not know the account numbers.
When the XXXX hack took place I locked all of my credit reports. So new accounts could be open in my name. My credit reports remain locked.
Currently, Credit Management Lp. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is attempting to collect the fraulent debt and is listed as a collection on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX.
Both XXXX and Credit Management the collections agency have been contacted. The company 's dispute forms for identity have been submitted to both organizations with the requested documentation. No actions have been taken by either organization. As a victim of identity theft. I am being victimized subsequently by these companies. The debt is not mine.
|
| 08/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.
|
| 12/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I am writing to file a complaint against Credit Management LP, a debt collection agency that is trying to collect money from me that I do not owe. Credit Management LP is swindling me right now. I do not know this company and I am not under contract with Credit Management LP. Credit Management LP showed up on my XXXX credit report saying I owed a {$630.00} debt in XX/XX/XXXX. This is a clear violation of the Fair Debt Collection Practices Act and I demand that they cease and desist from any further attempts to contact me or report this debt to any credit bureaus.
The debt in question is related to an equipment rental from XXXX. I returned the equipment to XXXX and have the original receipt from XXXX as proof. The Pandemic was very prevalent in XXXX. The company employee was delayed in picking up the equipment due to the Pandemic. The bill was paid and all that was needed was to turn in the equipment. XXXX wrote off the amount. I do not owe Credit Management LP anything.
This is causing me a lot of stress and XXXX, as well as damaging my credit score and reputation. Therefore, in addition to filing this complaint I also filed with the XXXX. I am requesting your intervention to stop this abusive and fraudulent behavior.
Please investigate this matter and take proper action against Credit Management XXXX. I also ask that Credit Management LP remove this debt from my credit report. Please let me know of the outcome of your investigation.
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good day, I hope this message finds you well.
I am writing to address a recent issue with my XXXX score, which was negatively impacted by an account reported by CREDIT MANAGEMENT LP without prior notice. Upon discovering the impact on my score, I promptly contacted CREDIT MANAGEMENT LP to dispute the reporting of the account without prior notification of the outstanding payment. To my surprise, I learned that the reported payment was related to a contract termination fee with XXXX XXXX.
In an effort to resolve the matter and reverse the negative impact on my score, I immediately settled the outstanding payment with CREDIT MANAGEMENT LP on the same day. Despite settling the payment, I have not seen any positive change in my XXXX score up to this date.
Earlier today, I contacted XXXX to inquire about the account and explore the possibility of disputing it. However, I was informed that there is no account to dispute as the payment has already been settled. Subsequently, I also reached out to CREDIT MANAGEMENT LP again, but they were unable to provide further assistance, stating that the payment has already been resolved.
As my XXXX score continues to be negatively affected, I am turning to you for help and guidance in resolving this matter. Your expertise and support in addressing this issue would be greatly appreciated.
Thank you for your attention to this matter, and I look forward to your assistance.
Sincerely, XXXX XXXX
|
| 09/05/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I called credit management on XX/XX/XXXX almost XXXX XXXX and spoke to a lady. I did not get her name. This was in regards to XXXX ( formerly XXXX XXXX XXXX ) in the amount of {$120.00}. But I told her that I would be will to pay it if they be will to take off my credit and send me a letter about it. I repeat this a few time and she told me they could. She told me I could not get a letter right away that I have to get off the website a day later. I told ok. I paid the full amount with my credit card and asked about get the letter. She told me the website. Then next day XX/XX/19 about 10 I had to call them back because I was unable to get online with my name and last for. I need some number. I cant remember the gender of this one but told them I wish they would give to me the first time because I should have had to call back.. They name a comment that it was only 3 number different from my confirmation number when I paid. I ignored it and got what I need. After review the letter with a place that help me fix my credit it was noted that it said nothing about take off my credit so I had to call back. I called again later that same day XX/XX/19 about XXXX XXXX. I talk to two females. They both have very difficult name. The last one was a supervisor who told me that they did not agree and there nothing in the notes about it. I try to talk to her and she would not listen and kept say that not something that they would agree to.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CREDIT MANAGEMENT XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX GAS AND ELECTRIC Collection XX/XX/2023 Collection account. {$3100.00} past due as of XX/XX/2023.
XX/XX/2023 {$3100.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$3100.00} {$3100.00} 1 Month Individual Contact Info : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX payment history THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
For the past month, I have been receiving calls from a number identified as, " CMI Group. '' I have answered this call repeatedly and asked them to reference what it is about as they constantly call when working. They refuse to state their business, and repeatedly ask me personal and identifying questions, which I refuse to answer. I have repeatedly asked for a debt validation letter, as I receive no information about the purpose of this call. As soon as I ask, they hang up. If this would have just stopped there, I would rack it up as a misdial. Instead, they call 2-4 times a day, repeating the same process. Today was the last straw. They called around XXXX. I AGAIN told them a ) I'm working and b ) I would not now, nor ever, provide them with personal or identifying information. If they were legit, they could tell me WHY they were calling as they'd have the information they were asking for. Yet again, they promised not to call during business hours. That lasted less than 3 hours until they called yet again. This is harassment, plain and simple. As far as I'm aware, I owe them nothing and will hold that stance until they identify why they are calling. This hasn't happened in the approximately 100 calls I've had over the last month. Make it stop, please. This is disruptive to my business and personal life and an absurd amount of times to call when the company won't even answer questions about the supposed " debt. ''
|
| 12/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a collection on my credit report from XXXX XXXX. I never received a bill from the company so this was quite a surprise. I tried to call the public number available on XXXX ( XXXX ) and it is a permanently busy number, possibly even disconnected. I logged into my XXXX XXXX of Texas portal after receiving the notice to try and find any claims. I was able to find a claim with their name on it and a service date of XX/XX/2021. It looks like the insurance company paid {$130.00}. The claim also said I " may owe '' {$59.00}. The claim also said " The amount billed is more than what is allowed for this service. Your provider should not bill you for any balance over what is allowed. '' Again, since I never received a bill I had no idea I owed anything. This debt was reported to Credit Management LP in XXXX and now I have a collection on my credit report for {$130.00}. That is more than double what my insurance says I may owe. I had XXXX XXXX earlier this year and went WAY over my out-of-pocket expense. I was surprised to learn I owed anything for this at all for this follow-up imaging. After searching I was able to find a customer service email address. I initiated a conversation on XX/XX/2021 and still have no resolution to this. I am able to provide a copy of the email string and insurance claim if necessary. XXXX is FILLED with customers who have had very similar experiences as I have with XXXX XXXX.
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in XXXX or XX/XX/2012 I moved out of my house where the cable was being provided by XXXX. When I moved out I took all the equipment to the XXXX office and returned what was needing to be returned and paid whatever I was billed. I thought everything was fine, never got any bill, documentation, ect. Until I received a very nasty phone call about a year later that I owed them because I didn't turn in my equipment. I told them that they were incorrect, they wanted a receipt showing otherwise. We were a year removed from me turning in the stuff, I didn't have the receipt. So, I went round and round and told them that I wasn't paying them the money. Its the principle of the matter, they have messed up my credit score and there's nothing I can do about it. The will not take a payment and delete the collection trade line from my credit, only will accept the payment. I need the collection removed. I did nothing wrong here, and feel like a victim of there improper record keeping. I'm trying to get a house right now and this is keeping my score lower than it should be. its gon na end up costing me big time over the life of the mortgage I'm trying to get because I'm having to take a higher interest rate. I know a lot of other people that XXXX has done the same thing to and it isn't right at all. Please do something about this, not only for me but for all those affected by this terribly managed company.
Thanks
|
| 01/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
In XXXX, XXXX, I received a collection notice for a debt that is not mine from Credit Management , L.P., of XXXX Texas for a Creditor account from XXXX Cable for {$1000.00}. After a quick review of a credit report I found the fraudulent creditor debt was listed so I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and latter fraud report to the XXXX, NY Police. I then began contacting Credit Management, and alerting XXXX, XXXX, and XXXX of the fraud.
On XX/XX/XXXX, I sent a Certified Delivery letter arriving XX/XX/XXXX, to Credit Management, informing them of the identity theft, and as they were the party who furnished the information to the agencies, requested documents pertaining to the fraud including applications, statements, addresses, phone numbers, and investigator 's report concerning the account. And, as they were the source of the incorrect information in my credit file, I additionally requested a letter explaining to me their actions taken to fulfill their responsibility to stop collections, as well as correct their reporting to the credit reporting agencies. To date, XX/XX/XXXX, I have not received a reply from them.
Having spent considerable effort to file fraud and extended alerts, and security freezes, to safeguard my identity I want their detailed report regarding my requests to ensure they have rectified the issue caused by their collection notice.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
|
| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX XXXX utility bill for {$290.00} that had fallen behind in XXXX. I went into one of their physical locations in XXXX XXXX and paid it off in full and had service restored for many years after. For obvious reasons, they wouldn't have reinstated the account and provided years of future service had it not been paid in full.
Either way, that bill was eventually sent to collections with a company called XXXX XXXX XXXX. No amount of proof or convincing them of it being paid would suffice and I eventually just paid it because it was only {$300.00}. Which means I paid it twice, both to XXXX XXXX directly and to them as a profit for whatever they bought the " debt '' for.
The larger problem now is that they updated all of the credit bureaus to show this account having been opened and closed in XXXX and it shows no other data about how old the original " debt '' was, when it will age off, or anything else. So it shows up as a recent collection account any time I apply for anything, removes years off the actual age of the original utility bill, and, if it were reported correctly from that date, it would have aged off my credit already.
I've attempted to dispute it multiple times, have called the company directly, and am at the point of seeking counsel to file suit against them for harming my credit with inaccurate reporting.
If they don't respond to this, that's the next step.
|
| 03/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In late XX/XX/XXXX i disconnected by XXXX XXXX cable service because I was moving. I called XXXX and asked how to return the equipment. They told me do leave it with the doorman and they would pick it up. However they never attempted to do so according to building record so I followed up several times telling them they had yet to pick it up. On XX/XX/XXXX I called XXXX because they had charged an auto pay of {$470.00}. The person i spoke to said that was for the equipment but since they failed to pick it up after i follows the instructions they gave the billing was an error and they reversed the charge. I never though of this again until XX/XX/XXXX when a collections agency send me a notice for {$470.00} from XXXX. I called XXXX to inquire. I was given a totally new story that despite what I was told in XXXX it was now my fault they failed to follow through and pick up the equipment. Two employees XXXX # XXXX and XXXX XXXX told me different and misleading stories and said the only way to get the collection notice off my record was the pay the {$470.00} I had previously been told was an error and only exists because XXXX failed to perform the task it said it would and pick up the equipment. While I could easily pay this I realize some people couldnt so Im standing up to XXXX misleading actions and credit threats in and effort to extort money from me that I dont owe them.
|
| 09/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a collection notice from an agency stating I owed a debt to a company that I have an active/current account with. I called them about the letter, stated I have no outstanding balances with them. They agreed, told me to " disregard '' the notice from the agency. I told them I can not because this needs to be resolved before this reports to my credit. A ticket number was created, I followed up in one week as they requested. When I called, I was told a note on my account states, '' disregard collection notice. account is in good standing ''. I told him that will not suffice and that I need something in writing from them or the debt collection agency. I was told to call the agency directly. I did that same day. A rep said I will need to dispute in writing. I did so by fax, requesting them to validate the debt with an invoice, final bill, etc. None was ever received from them. Today, I get an alert from my credit monitoring company that this debt has shown up on my XXXX file. I immediately called the original creditor, Comast, and explained this situation. I gave the previous ticket number. I was told nothing is owed. I asked the rep to call collection agency on 3-way and let them know I do not owe this. He claimed he would create yet another ticket for them to " research '' this. XXXX nor the collection agency have been able to validate this debt that I do not owe.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in Dallas, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
|
| 08/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail.
Send everything to the address below, and once again that is the only medium of communication We will continue speaking through.
XXXX XXXX XXXX XXXX Florida XXXX
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to express my serious concerns regarding a matter of identity theft and its impact on my credit report, specifically in relation to the debt collection activities associated with this unauthorized account. This charge was added recently as a collection account and when Credit Management was contacted they stated they didn't see this account showing under my correct ssn, dob, and address.
Upon discovering discrepancies on my credit report, I initiated the dispute process and provided all necessary documentation to support my claim. Regrettably, the resolution of this matter seems to have stalled, particularly with respect to the debt collection agencys actions.
I wish to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to fair treatment and prompt resolution of disputes. The delay in addressing this issue not only impacts my financial standing but also raises questions about compliance with applicable laws.
I believe there may be a violation of credit laws in the debt collection process related to my case. I request an immediate and thorough investigation into this matter, ensuring adherence to all relevant laws and regulations. Additionally, I would appreciate timely updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
|
| 10/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Canceled my services in XXXX and moved out of my house. I asked during cancelation what i owe and i paid my final bill. I went to return the equipment a few days later in XXXX to a store and I asked them as well if i owed anything and they said no. Months later today i see a derogatory mark on my credit report so i called the debt collector and they told me its from an XXXX XXXX I called XXXX to clarify this and it was a pain to get a live person on the call. So i initiated a live chat online and I explained it to 3 people and i was transfered after a promise was made to resolve this for me. They took over 2 hours to " work '' on this and I still do not have a resolution. I was bounced around re-explaining the situation and that i need them to fix it but no one has helped me with it so far. I have a perfect billing history and I always paid all my bills in full before the due date and never had a late payment so i have no reason to withhold this from XXXX, had i had been made aware of it. I'm looking for a letter from XXXX to give to the debt collector that says this was erroneous and i want the derogatory mark removed from my report and the collector said that is how they can do it. I asked XXXX for the letter and i was immediately transferred without a proof. i have the entire chat history with all the 4 representatives that bounced me around if needed.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debts went into collection and were sold to a collection company. The Collection companies have been trying to collect. I have sent letters to Original creditor, collection agencies and contacted credit bureaus regarding matter on XXXX XXXX XXXX . The original creditor or the collection agencies responded to my letters. I have no contract with these collection agencies and I have asked for any contract they have with my signature, still no reply. The credit bureaus told me these collections agencies have a right to collect because they bought these debts and they want their money and they do not need a signed contract. I was told by an XXXX representative that I could not dispute these collection agencies because my reasoning was invalid. I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as this account was sold to XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX PA XXXX , XXXX I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX as this account was sold to XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX , XXXX , TX XXXX , XXXX I have no contract with XXXX XXXX , as this account was sold to XXXX XXXX XXXX # XXXX , XXXX . XXXX XXXX XXXX , KY XXXX Please help me if possible. Thank you
|
| 04/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I have received multiple calls from Credit Management collection agency before XXXX. When they call they immediately ask for my address which I refused to verify at first because they didnt even give a company name. I informed them at that time to mail me whatever they were calling about because I wasnt comfortable randomly verifying my information over the phone. I saw them on my credit report and contact them immediately to inform them that I did not owe anything to the original creditor XXXX. I also provided them with proof and disputed with the credit bureaus and it was removed. Im still getting calls, even this morning at XXXX. I asked to speak with a supervisor and was placed on a silent hold at XXXX until I finally hung up at XXXX. I called back and asked to speak with a supervisor and was told they were on calls. I tried explaining to the representative that answered what was going on and they became very rude saying We can call as early as XXXX. I informed the representative that it was a violation and calls could not be made until XXXX of the time zone the debtor is in and that I myself had been a collections supervisor and that Im pretty sure that law had not changed but I was hung up on. Im exhausted with the harassment from this company. I have yet to receive any correspondence from them as I requested of them to have for my records.
|
| 11/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Got a collections notice from a company saying I owe money. I sent them a letter stating that " Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts:1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Connecticut ; 4. proof of the last payment made on the account. '' The company responded with a letter stating " we have notified the client of your dispute and they have verified the information on this account to be true and accurate ''. There was no proof, nothing in writing, no proof of payments. Are they allowed to show this as proof ... saying that they contacted the client and they agree that it is legit? How is that possible?
I had many problems with XXXX XXXX and my billing issue, including sending the bill to the wrong address. XXXX claimed they fixed the issue, but after 6 months I decided that I would call and complain weekly until the fixed it. They ended up waiving my bill because this issue was going on for about 9 months. The last person that I spoke to said they would waive my bill, but I told them to cancel my service instead. I think this was XXXX XXXX 's way of getting back at me for cancelling my service with them. I was told this bill would get waived. I 'm sure they have that recorded somewhere in their file.
|
| 01/03/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX XXXX set up payments with me to pay off the account. The last communication was on XX/XX/2023 in which they accepted a payment. I asked if I had to call in every 2 weeks to make the payment and was advised " yes because of the way the account was set up ''. At no time did they notify me that the account was being sent to collections. Additionally, I never received any notification in writing.
After accepting the payment on XX/XX/2023 my credit was flagged on XX/XX/2023. The account is paid in full. I requested a payoff letter which they advised I would receive and I have not received it. I also requested for a good will deletion from my credit report under the basis that XXXX NEVER indicated this account was being sent to collections Instead, they set up payments, accepted them then did a bait and switch thus ruining my credit.
As a long time customer is very disturbing that XXXX would deceive a consumer in this manner. The representative could have very well been honest about the account on XX/XX/2023, instead they withheld information that could have been corrected that day.
I am requesting that this negative impact be removed from ALL 3 credit reporting agencies immediately.
I am unable to send any documentation with this complaint because XXXX never sent anything in writing. I only have my bank statement where they were paid.
|
| 07/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2022 I sent a dispute letter to all three bureaus ( XXXX, XXXX, and XXXX. ) When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist or the collection company intentionally added more to the amount than is really due. I have tried to communicate with the bureaus, and the Creditors to no avail. No one has been able to verify these accounts as accurate, and yet they have not been deleted from my credit report. Attached also below is audio from me speaking to a XXXX representative that two XXXX collections ( XXXX and XXXX XXXX ) are inaccurately being reported and 1 is just falsely reporting from XXXX XXXX even the balance amount is wrong. as well I called XXXX company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. I also have sent a dispute of these accounts and failed to receive the request verification of this account! The other account has been disputed as well and again it's not reporting correctly and failed to be verified as mine, but it is still on my credit report. To reach XXXX requirements I had to cut out a significant amount of the call. The representative did state that those items would be removed from my credit report if I paid, and I did pay.
|
| 11/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXXXXXX XXXX XXXX CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, This collection from Credit Management and XXXX XXXX is fraudulent. This account was opened under a fraudulent address and with my personal information. This is identity theft. I have spoken to Credit Management and XXXX XXXX and told them that this is not an account that I authorized or opened. Please remove this collection from my credit reports immediately.
There is an active fraud statement on all of my credit reports.
Collections Report Date : XX/XX/2022 Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit scores.
Date Reported : XX/XX/2022 Collection Agency CREDIT MANAGEMENT Original Creditor Name XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/2022 Comments Contact CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
|
| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I received a letter from Credit Managementt L.P. of XXXX, XXXX requesting payment of {$56.00} on behalf of XXXX XXXX. I replied to them with the information that I have never lived in XXXX or anywhere in XXXX, that no family member or anyone for whom I might have fiscal responsibility has ever lived in XXXX and that I have never had an account with XXXX XXXX.
I requested that they provide verification of the debt - in particular the account information from XXXX showing when the account was opened, by whom, and the date the debt was created.
Their sole response was that they had talked to XXXX and verified the debt. This seems extremely insufficient to me and I am not inclined to pay a bill just because someone says-so.
I am surprised that they have such a business model, where they expect to extract monies from consumers simply by sending letters demanding money. I would also be surprised if that kind of demand was even legal - I would expect that they would be legally required to provide some proof of the debt beyond what they have provided, which is no proof at all. It is not my burden to prove that I do not owe a debt, it is theirs to prove that I do.
I have responded to them indicating that I will not pay anything until concrete proof that the debt is mine is provided to me, and I will further register a complaint with the XXXX.
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| 06/03/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a debt collection notice from XXXX XXXX, P.A claiming I owe a medical debt of {$5000.00}. I have never done busines with XXXX XXXX, P.A or have ever lived in the XXXX, TX. I have medical insurance and Tricare has confirmed that XXXX XXXX, XXXX. has never attempted to file any medical insurance claim. XXXX XXXX, XXXX. has been listed as knowingly filing fraudulent medical debt and has been sued recently as part of a class action law suit for this. Every attempt at contacting XXXX XXXX, XXXX. has resulted in no one answering the phone and only having a busy signal. This is impacting my credit score and XXXX XXXX, XXXX. has not responded to any communications to provide an itemized list of charges, the date of charges, attempts and dates of filing a medical insurance claim against my medical insurance and producing any records of bills including certified copies of when bills/notices were sent to me from the initial due date to when the alleged bill was past due. I do not believe they have followed any notice procedures or guidelines to notify me of any bills due as I have never received a bill from them and I have medical insurance if these charges are real.
XXXX XXXX, XXXX.
Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They have XXXX XXXX XXXX XXXX XXXX to collect this debt XXXX File Number XXXX
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| 10/29/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT MANAGEMENT LP has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received.
On XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX.
I contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent.
On XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection.
I contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted.
On XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account.
This charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX.
I request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed.
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| 01/24/2024 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX, I decided to change my utility bill from XXXX XXXX to XXXX because I had noticed that XXXX XXXX was a very predatory company that would overcharge me for my utility. Around the middle of XXXX, I made the switch and had a outstanding bill of {$600.00} in my account. I had to pay the bill or arrange a payment plan by XX/XX/2023. In XX/XX/2023 I contacted XXXX XXXX to arrange a payment plan and made a {$150.00} deposit and made 5 payments of {$91.00} due on the XXXX of each month and have made each payment on time. On my last payment, XXXX XXXX decided to sell my debt to a collections agency on the XXXX of XXXX when it was due on the XXXX and had made the payment in the XXXX. I had made every possible thing to avoid this. I contacted XXXX XXXX about my debt and made a payment plan with them before the last chance letter date, and had made every payment on time. The collections agency ( Credit Management ) said that they might report it to the credit bureaus despite me trying to solve this issue before they sold the debt, made every payment on time before the XXXX, and manage to make every payment on time. I recommend everyone to stay away from XXXX XXXX. ( Note : The last payment screenshot was made in my Mom 's checking account so I don't have the payment proof and they have my last name spelled wrong. )
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| 01/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit.
2. Formal certification that the alleged debt was transferred to a third party if applicable.
3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off.
4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status.
5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state.
I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.
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| 06/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX.
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from Credit Management dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called Credit Management to dispute my collection account. I finally received a letter from Credit Management dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' However, recently, I checked my credit reports on XX/XX/XXXX and noticed this Collection account is on my file. It damaged my credit score and my credit history. I have disputed with all XXXX credit agencies. XXXX and XXXX did not resolve my issue. It's very frustrating process. Please assist me to resolve this issue and make sure the collection account is removed from my credit file.
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| 08/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Credit Management LP, XXXX XXXX XXXX, XXXX Tx XXXX, furnished derogatory information which does not belong to me to XXXX. This information is now included in my credit file and damaging my credit score On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report included the following information, furnished by Credit Management LP : Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classifications : Cable/Cellular Original Creditor : XXXX XXXX Account Owner : Individual Account Original Amount Owed : {$210.00} Date of 1st Delinquency XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owed : {$210.00} Last Payment Date : Status Date : XX/XX/XXXX Status : D-Unpaid That information does not belong to me. It belongs to my son XXXX XXXX XXXX XXXX. This account was initiated while he resided in XXXX Ga. I have never lived in XXXX and this is not my account. I had previously spoken with XXXX and Credit Management upon receiving a collection notice at my residence in reference to this account. They assured me that the account would be annotated correctly to reflect my son. I am disappointed to find this information is now in my credit file and damaging my credit. There is no way a mistake of this magnitude should happen. This account should be under my sons SSAN.
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| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I dropped off my equipment to XXXX XXXX when I cancelled my service with them on XX/XX/XXXX. I asked the representative if there was anything further that was owed, to which he said " no ''. I paid off the account and that was it. Fast forwarding to XX/XX/XXXX I received a notification on my XXXX XXXX informing me my credit score decreased due to a collection ( over 60 points ). I was NEVER notified in writing by either XXXX or Credit Management LP for over {$500.00} dollars. I contacted XXXX and advised them of the issue to which the stated it was for early termination and they should be able to waive it and remove it. After going back and forth I paid {$180.00} ( price owed was less than that I am supposed to be receiving a check in return ). I contacted the collection agency and they stated they wouldn't be able to remove it because they had to go off of the information XXXX had. I never received any notification about any funds being owed by either XXXX or Credit Management LP prior to it going on my credit. I haven't had a collection in YEARS or any late payments. I feel this is highly unjust, unfair and unruly practices being played by the cable company. I closed my account with a {$0.00} balance and never thought more about it from XX/XX/XXXX from what the rep said at the office I walked in.
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| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal.
This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent.
Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill.
In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so.
And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.
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| 12/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I contacted Credit Management LP on XX/XX/2018 to pay a debt that had shown up on my credit report in the amount of {$580.00}. While on the call the collections agent said that the debt could be settled for a payment of {$380.00} which I agreed to and paid immediately. When speaking with the agent before paying I confirmed that if I paid the debt I would receive an immediate letter or email stating the debt had been paid. The agent said I would receive a letter stating the collection had been paid within 24-48 hours. One week later I called again and a different agent told me that the account was on hold and it would take 72 hours to be corrected and that I would need to call them again to get the letter stating the debt had been paid. I called on XX/XX/2018 as the account was still being reported as in collection and I had not received a letter stating the debt had been paid. The " manager '' told me he was going to escalate the issue and I would receive a debt settlement processed and get me a letter in 72 hours. I called again XX/XX/2018 as the debt is still showing as in-collection and I had not received a letter or email stating the debt had been satisfied. This company is failing to report the collection as paid and has not set me any letter or communication to show the debt has been paid.
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| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it.
In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.
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| 05/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or before XX/XX/2021 I received a notification via e-mail from XXXX XXXX regarding my credit score. My credit score had dropped more than 35 points as a result of a delinquent cable bill that was sent to CREDIT MANAGEMENT LP, a debt collection agency in XXXX, Texas. Unbeknownst to me, a bill in the amount of {$1000.00} was owed to XXXX XXXX for cable/cellular services provided in the state of Texas. Shortly thereafter, I submitted a dispute through XXXX and awaited the results of their investigation.
I finally received correspondence on XX/XX/2021 regarding the aforementioned matter a long with the results of their investigation. XXXX, apparently, found that the " disputed item was verified as accurate ; however other information has also changed. '' According to the investigation report, the account was placed for collection on XX/XX/2021. It was then updated on XX/XX/2021.
On XX/XX/2021 I contacted XXXX to contest the findings of their investigation. I spoke with a XXXX representative and explained the following : The debt owed does not belong to me. I do not owe any sum of currency to XXXX XXXX. I have never, in my life, ever visited the state of Texas. Moreover, it has been, approximately, more than 10 years since I've had cable in my own home, which is in XXXX, Florida.
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| 02/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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after requesting consumer report and analyzing I noticed an illegally furnished account on my XXXX XXXX consumer report in which CREDIT MANAGEMENT , LP a debt collector is in violation of 12 CFR Part 1006.18 by falsely misrepresenting themselves as the original creditor and attempting to collect an alleged debt I am now seeking redress for violations as per 15 U.S. Code 1681n {$1000.00} per violation. This inaccurate report has caused damage to me and my family. I the consumer have been denied for extension of credit do to the negative affect of these inaccuracies on my report I have lost family time and time from work trying to fix this issue i the consumer has had to make calls during times inconvenient to me please help me I've also been hung up on several times in my attempts to gain remedy. if this issue is not resolved i will be taking additional steps by submitting complaints with The XXXX XXXX XXXX and the Attorney General in attempt to settle this matter.
XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX XXXX any written consent to report anything on my consumer report. No consent is identity theft.
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| 04/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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Was in the process of refinancing my home when my credit report was pulled and I was advised of a collection on my account from XXXX XXXX XXXX XXXX XXXX XXXX. I was told there was a balance of {$190.00} owed. InXX/XX/2016, XXXX advised me that did not receive a piece of equipment after I closed my account with them. I advised them that the equipment was turned into them by their technician when he came to my home. I explained this to the company and told them the tech scanned the equipment in and told me a receipt was not issue because the cable box was being discontinued. I did not hear anything else nor did I receive anything else until I saw this had been reported on my credit 1 week ago. I reach out to Credit Management ( CREDIT MGMT XXXX XXXX XXXX, XXXX, TX PHONE ( XXXX ) XXXX ) who now own the debt. I asked them if the balance was paid would they remove this from my credit as I was never made aware that this had occurred. I was told yes. I paid the balance so it would not hold up my refinance and was then told by Credit Management that they wouldn't delete it from my credit by would say I paid it. I think this is very deceitful. I am/was trying to do the right thing were most people wouldn't and this organization lied to fill a quota. Please help me resolve this. Thank you
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| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX - Original Date XX/XX/2014. XXXX XXXX started billing me for a " box '' that was included in my HOA fees back in 2014 for " On Demand '' services that I never ordered. I advised them on XX/XX/2014 that I never ordered this service as the " box '' was located in my guest room which was never used. I was verified by a XXXX Employee that this service was never used and asked that I return that box and they would reissue me a different box that did not have this service. I have the receipt when the box was returned and reissued me a different box that did not have this service. I have copies of bills from XXXX from XXXX, 2014 showing XXXX due because it took me 6 months to get this resolved with XXXX.
Now I have a collections on my credit report as of today with a balance of {$57.00}.
This is totally incorrect and the Open Date showing on my credit report shows Invalid Date.
This is totally bogus and has caused a great deal of effort to eliminate and yet it comes up again.
Can someone please try to correct this?
I tried to call Credit Management LP to rectify this but they wanted too much of my personal information and I have already suffered from Identity Theft in the past and refused to give them the information they were requesting ( i.e. SSN, etc. )
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| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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My identity was stolen in XX/XX/XXXX and I obtained XXXX XXXX to monitor my accounts for fraudulent activity. I reported the fraud to XXXX, XXXX, and XXXX and had my credit frozen as soon as I discovered the fraudulent activity. I have had a credit freeze since that time and have not opened any new accounts. I have no loans, no mortgage, and no debts. The only credit cards I had opened prior to the fraud are paid off monthly. I have been recently receiving multiple calls per day, on my cell phone at XXXX, from a company called Credit Management. I do not answer the phone and they don't leave a voice mail when they call. The number XXXX was used on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX. I called the number from a different work phone number and the person answered Credit Management and I hung up.
On XX/XX/XXXX I received a call from XXXX at XXXX XXXX and another on XX/XX/XXXX from XXXX at XXXX XXXX. I don't know if these calls are also from Credit Management as I didn't try to call them back.
My cell phone number, XXXX was on the Do Not Call Registry before the identity theft started and I would like these calls to stop. I have had the same cell phone number for over 30 years so it can't be that someone else had this number before I did.
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Correspondence sent to first collection company : Dear XXXX XXXX ; I am responding to your contact about collecting a debt. You contacted me by phone on XXXX and identified debt as XXXX. I cancelled my service in XXXX of last year, less than one month after starting new plan. All bills were automatically paid up to my termination. I do not have any responsibility for the debt youre trying to collect. I wrote to XXXX and called them. I have copy of email cancellation, and their over billing for first eight months of service. Although they agreed to fix account instead they added more fees. They have billed me in error.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your cooperation.
Sincerely, XXXX XXXX Received nothing from them but continual fraudulent credit agency reporting which I continue to dispute -years later.
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| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This morning at XXXX on XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP was added with an open date of XX/XX/2018. On XX/XX/2018 i received the same notification on my XXXX credit report, upon receiving this notification i immediately contacted XXXX and CFPB to dispute this Debt collection that did not belong to me and it was removed and deleted by Credit Management LP on XX/XX/2018 ****Copy of previous dispute on XXXX This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
***************************************************************************
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Credit Management , LP ( on behalf of XXXX XXXX XXXX ) is attempting to collect from me a dept that I do not owe/does not belong to me. Credit Management , LP notified XXXX credit agency with regards to this issue on XX/XX/XXXX.
On XX/XX/XXXX ( Saturday ), I received a letter from Credit Management , LP attempting to collect a debt in the amount of {$160.00} on behalf of XXXX XXXX XXXX ( Reference # XXXX, Client # XXXX, Creditor Account # XXXX, Total Amount Due {$160.00} ). This is the first time I was ever made aware of XXXX XXXX XXXX XXXX attempt to collect a debt from me. The debt is not mine. I do not owe the debt nor have I been a customer of XXXX XXXX XXXX. On XX/XX/XXXX, I responded to Credit Management , LP via a Certified Letter with a request for validation of the debt. To date, I have not heard back from Credit Management , LP. This morning ( XX/XX/XXXX ), I received a notice that my credit ( XXXX ) had received a report of " Potentially Negative - Major Derogatory '' event reported the day before, XX/XX/XXXX reported the day before by Credit Management , LP to the XXXX Credit Reporting Agency. I have filed a complaint with the California Attorney General office, the XXXX XXXX XXXX and now here at the CFPB, as well for help with this issue.
|
| 01/31/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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On XX/XX/2020, XXXX XXXX, I received a call from +1 ( XXXX ) XXXX. The person on the phone introduced herself as a debt collection agency ( Credit Management or similar ) and asked me to verify the number of my street address. She told me they are calling to collect {$23.00} I owed to XXXX. She confirmed it was for me personally, not for dependents, but could not confirm what the amount was for ( even at a high level, e.g., medical services ). She demanded that I provided a form of payment ( " How are you going to pay this today? " ). I told her I rarely use XXXX for anything and that I have paid everything I bought from the pharmacy. I also told her that I will have to contact XXXX to understand more about this claim. She asked me when will I contact XXXX, how her company can contact me to collect my debt, and will I call them back to make a payment. I asked that they only contact me by mail and informed her that I will not make a payment to debt collector unless I initiated the call.
After the call, I reached out to XXXX Customer Service at XXXX. The representative forwarded my call to their Billing Department. I provided my personal info to Billing and the person confirmed I am not in their system and that I don't appear to own anything to XXXX.
|
| 01/10/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Firstly, XX/XX/2023, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
.
I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).
806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
|
| 11/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX offered me a deal for free cable and internet for 1 month. I could then return it after that promotional period. I asked about catches, and they stated their was a XXXX deposit for the equipment and that was all ( I can not remember the exact amount as this was about 8 years ago ). After 1 month, I returned the cable TV box to my local XXXX office. I then paid for the internet service for 3 months, and cancled at that time. When calling to cancel they stated that I would need to drive to the XXXX office to return the equipment, which is 2 hours away. I asked about the XXXX office, thinking they were mistaken about the closest one. They stated that I could not return it there, and that if I did I would be billed for the equipment. I asked for anything showing that I agreed to these terms, and they are yet to provide, because it never existed. I was very skeptical about the deal, so I read the 1 form for the equipment that I signed very thoroughly. It never mentioned anything about return the equipment to XXXX, and they never gave any objections to the Cable equipment being returned to the XXXX office. I would like the XXXX collection they issued which is now reporting with Credit MGMT acc # XXXX to be deleted from my credit report.
|
| 07/05/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX has once again turned over an account to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Please see the attached documentation of the same account that XXXX XXXX has submitted to various credit reporting agencies over the last three years. This is an ongoing problem. WHY DOES XXXX XXXX Continue to knowingly and willing report incorrect information to various collection agencies? Why is collection agency refusing to verify the information with XXXX XXXX.
Upon giving my SS # to the above credit reporting. The agent on the phone asked if my name was " XXXX XXXX ''. I have never lived in Louisiana or the area where " XXXX XXXX '' resides. My name, as I have stated to XXXX XXXX multiple times in writing in the past three years is XXXX XXXX. I am in good standing a XXXX XXXX customer today. The agent ( in a recorded call ) furthermore said that I should report this situation as identity theft. I have had no other attempts by anyone to use my identity to open other accounts. This is clearly a case of poor and possibly fraudulent collection practices by XXXX XXXX. Please see all the attached documentation from many past attempts to collect money on the same erroneous account information.
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I was notified about a hit on my credit report. ( Attached ) XXXX I contacted Credit Management Co who told me they only report the charge off and can not resolve anything. They advised me to call XXXX XXXX but could not offer a phone number. XXXX I then Contacted XXXX XXXX and sent though multiple departments until finally someone was patient enough to find that XXXX XXXX had no record of me ever being a customer or anybody else with my name or address. XXXX XXXX also confirmed that they did not even offer service at my address ( to which I have lived at since XXXX ). I have never done business with XXXX XXXX XXXX. But they said they would get back to me in 7 days with a Case # and any info from Credit Management Co to which they confirmed did do their collections. I had not heard back from XXXX XXXX and on XXXX tried again to follow up. After bouncing from operator to operator at XXXX XXXX I tried Credit management Co again. They confirmed I had contacted them earlier but said there was no correspondence from XXXX XXXX. They suggested I file a police report for stolen Identity and gave me a reference # XXXX My credit record still shows a Collection Chargeoff from a company I have never done business with.
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In XXXX I started getting calls from XXXX XXXX XXXX XXXX at least 4 times a day from early morning until late at night. They would not answer when I said hello, and they did not leave messages. I spoke into the phone and told them my number is on the National do not call registry and not to call me any longer. On XX/XX/XXXX, I screamed into the phone asking 4 the caller to identify himself. Apparently he was taken aback and muttered a name which I didn't catch. He told me the company he was calling for was Credit Management in XXXX, Texas. Once more I told him my number was on the National DNC list and I had told him previously not to call me. He said OK and hung up. I got your request via email for this information, but over the last 3 weeks your portal and password resets have not worked. The XXXX phone number has not worked either. Today someone finally answered the phone, but she was ignorant and rude and would not listen to me. This is all the information I currently have. If you need anything else, please make sure your contact parameters are working before you contact me again. I appreciate your help and want to assist you in any way I can, however, there is nothing I can do if your communications do not work.
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX sent a {$62.00} charge to collection agency credit management however, I do not owe them. They actually gave me a credit because I did not owe them this amount. It was their error. I went through the chain and reported it to the credit agencies contacted the credit management and XXXX XXXX they were like no you dont owe anything it got deleted from my credit report on XX/XX/ and then got put back on XX/XX/23. I called XXXX today XX/XX/23 and they asked me to three-way call credit management the collector and include them in the phone call so they can let them know that there was no debt. They said they sent the letter showing nothing was owed and for account to be removed from all credit bureaus on XX/XX/23. I said I understand however it got removed and put back on my credit report XX/XX/23 They would not listen to what I was saying and was rude to me. I asked to be mailed copy if letter sent to credit bureaus.so I can submit with another dispute. We shall see if that happens. This has dropped my credit score 30 plus points. Considering I didnt owe this and it was XXXX error to even send to collections and the fact that XXXX sent me a credit this is wrong. Very wrong. Someone should be accountable.
|
| 11/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in 2017 I was the victim of a fire. My apartment caught fire and I lost many personal belongings along with furniture, clothing, electronics, etc. After all that I was very depressed but wanted to make sure I notified the appropriate parties of the issue I had. One of the companies I notified was XXXX. I told them that the equipment had been burned in the fire. They told me " Ok, no problem ... we will go ahead and waive that box fee '' when I asked them if there was anything else I needed to do they said " No, everything is taken care of '' and I was " good to go ''. I did not need to get the service again so I was under the impression that this issue was resolved. Unfortunately a while later I realized that they had sent me to collections. So I called XXXX back again and the person who I spoke to told me that they didn't waive the box fee and that I had to pay and the person I spoke with was incorrect. I didn't think that was fair. The original person I spoke to at XXXX told me they would waive it and I would not have to worry about it. And it doesn't make sense why should I be responsible for something that got burned in a fire? This was not my fault. Now it's on my credit and it is damaging my XXXX score.
|
| 12/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I settled this in a CFPB complaint ( XXXX ) earlier this year ( XX/XX/2023 ).
All 3 bureaus removed the incorrect debt in XX/XX/2023. XXXXXXXX added it back within a month ( XX/XX/2023 ) because the credit holder filed under another debt collection agency. When I called the debt collection agency to let them know this had been settled already through a CFPB complaint AND cease and desist letter they said they couldn't have the conversation with me without providing the information needed to verify my identity. CONVIENTLY the information needed ( my address ) is the same information I know the credit holder has incorrect. I know it's incorrect because I haven't received anything in the mail before it hit my credit report again in late 2023. Even on this website, it's asking me to confirm my social security number or the account number. WHY would I give my social security number to a company that would never have my social security number in the first place? I don't have an account number because I never received anything in the mail before this was added back to my record. These tactics are unlawful and irresponsible. How is this getting added to my credit report without this information in the first place?
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 12/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
I had an account with XXXX, XXXX. I closed the account in XXXX, and in XXXX I received a debt collection notice from a third party. After contacting the collection agency to officially dispute the debt I contacted XXXX. After speaking with multiple representatives I was informed that their policy on account closures is to -Obtain a new address -Inform the customer about the final bill -Ensure payment for the final bill amount.
None of those steps were followed. We moved, set up USPS mail forwarding to our new address, and continued with life.
XXXX claims they have sent XXXX bills to our old address. None of them were forwarded. The collection agency sent the collections notice to our current address.
A XXXX representative gave me the number to their collections department, which went to a different third-party agency than the one that sent me the collections notice.
The stance from XXXX is " We did everything wrong, can not provide you with a transcript of our conversations or a copy the recorded conversations with our representatives, so pay up. '' The collection agency does not respond to any written communication by me regarding the dispute or any resolution. I am currently seeking an attorney.
|
| 10/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contaced XXXX XXXX who I had an account with for the past XXXX plus years for cable. I returned the equipment and advised that I was moving out fo the area to a XXXX XXXX XXXX. XXXX has been harassing me for the past two years selling what they percieve to be a cancellation fee of {$260.00}. I did not have a contact with them it was month to month over many years. The community XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I am XXXX years old ) has cable through our XXXX monthly fees. We do not have an opt out. XXXX is not in our area and their is no ability to connect and I would pay XXXX for cable if I did. XXXX has sold this supposed debt more than XXXX times, I have successfuly fought it each time through XXXX and through letters to the debt collectors but once again they are hounding me and had my credit score go down XXXX points from an XXXX score to a XXXX score as of XXXX XXXX. In XXXX they affected my credit score unjustly as I was purchasing a home. I ended up paying higher premiums for homeowners and car insurance. The current company is Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
XXXX XXXX XXXX falsely reported a debt owed to Credit Management XXXX of XXXX TX ( XXXX XXXX ). I was contacted by Credit Mgt and responded with documentation that I did not have unpaid debt or service for the dates indicated. Credit Mgt 's response was " We have verified your debt with the client '' and then an additional fee for a router that I never had was added to the original demand for payment. Credit management then reported me to all three credit reporting agencies as a delinquent debtor based on their false information and failure to diligently investigate the information I provided Credit Mgt with. Further, and this relates to the original creditor, XXXX XXXX services, when I telephoned their 'customer resolutions ' phone number -- which was the only way they allowed a cancellation of service -- I was advised that my credit would be 'ruined ' if I tried to cancel service. I know this seems incredible, but when I used the XXXXXXXX XXXX, I found other instances of XXXX using this same tactic with Credit Management XXXX to retain subscribers. XXXX proudly advertises " No Contracts. '' For me, that meant my service went from a starting rate of {$49.00} to {$99.00} within a short period of time.
|
| 12/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I have received zero notice regarding an alleged debt. This alleged debt is not only unfamiliar to me, yet this alleged debt from Credit Management, which according to XXXX XXXX originated from XXXX XXXX for the amount of {$XXXX}.
I have ZERO KNOWLEDGE of this debt. I received no debt validation letter from either company. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) creditors are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract - and any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or e-mail in a fraudulent account.
Your blatant disregard to positively verify this alleged account has hurt my ability to obtain credit and dramatically decreased my credit score, which has directly impacted by ability to obtain credit, during the Covid-19 pandemic. Shame on XXXX, Credit Management, and XXXX XXXX.
Under FCRA, unverified accounts MUST be removed. I demand effective immediately this unverified account be removed from my account effective immediately, and my credit score GO BACK UP the 17 points it has dropped.
This is despicable behavior.
|
| 10/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Beginning in XX/XX/2020 a Company named " Offices of Credit Management '' began calling my phone. They would not disclose what my " debt '' supposedly was. When I stopped answering their calls they began to leave this actual voicemail. They have left this voicemail several times now : " Our Bill matches your Social Security number, the moment you receive this message I need you to get back to me on my department division number XXXX XXXX XXXX XXXX, I repeat at XXXX XXXX XXXX XXXX. Now, if I don't hear a call from you we will have to issue an arrest warrant and get you arrested, so get back to me as soon as possible, thank you. '' They have called from these two numbers, yet they left the number above : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I called the numbers to ask about the " arrest '' a manager came to the phone and it was the same male voice that left the voicemails, except I could tell he ran his voice through a device that slightly altered it. I have perfect hearing and that is certified by my ear specialist, I instantly asked him why he left a voicemail like that via a device and that I could tell it was him. He grew hostile and denied ever leaving voicemails and hung up on me.
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX XXXX but my contract was between myself and XXXX XXXX, who I am in the process of entering into arbitration with. If CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) 's info in identity theft report attached
|
| 12/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I spoke with representatives with Credit Management LP ( XXXX XXXX and XXXX XXXX ) about a debt reporting on my credit report. I had no idea what this was as I had not received any communication from them by mail or phone. I was told by a representative that they would request a removal once I paid it and even given a website to get this in writing. The website address they gave me is cm-resolve.com. All of this information turned out to be false. I called back and they told me they could not locate my account because it was paid. I have read about this collection agency doing this to several others, in fact there is a XXXX thread dedicated to it. It is mandated by law that I receive a letter from them notifying me of the debt and giving me 30 days to pay before it is reported. It is also against the law to tell me it will be removed, give me a bogus way to get it in writing and then lose my account information. This has harmed my score and prevented me from purchasing a home. I am responsible and pay my bills on time. I would have paid this had they notified me in writing and I tried to resolve this as soon as I found out. Their dishonesty and unlawful tactics have hurt me considerably.
|
| 10/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received a notification from my online reporting service that a collection was reported to my credit report, I contacted the collection agency and received information regarding the collection at which time I communicated the debt did not belong to me an it was unjustly placed on my credit report. I was given a number to XXXX who was the agency who sold account to XXXX XXXX. I called the number given to the XXXX fraud department after I completed the fraud packet I completed. I spoke with several different representatives who were overseas and informed me that I did not have the right to ask for proof of account and that I would need to speak with their attorney who was another representative and I was ridiculed and informed to fax my social security card, ID, bank statement, which I did. My first initial contact with both XXXX and XXXX XXXX, they did not have my SSN or DOB, just my name. I called XXXX back a few days later and was informed I did not need to send over that personal info and was asked if I was " stupid '' for doing so. I have tried feverishly to correct this negligent error and to add insult to injury, I now don't know if anyone is going to use my personal information.
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My name is XXXX XXXX XXXX. I am submitting this complaint on behalf of myself without any third parties. On XX/XX/2024, I received an email from CREDIT MANAGEMENT, L.P., without prior consent, in regards to an alleged debt owed from a " XXXX XXXX XXXX XXXX XXXX' See exhibit A. On XX/XX/2024, I emailed the above-mentioned back requesting validation pursuant to 15 U.S. Code 1692g as well as a Cease and Desist pursuant to 15 U.S. Code 1692c. See exhibit B and exhibit C. Today, XX/XX/2024 at XXXX, I received a text message from CREDIT MANAGEMENT, L.P., without my prior consent, once again, and a Cease and Desist already in place on XX/XX/2024. See exhibit D. The above-mentioned are in direct violation 15 U.S. Code 1692c as they've continue to attempt to communicate despite issued Cease and Desist. See exhibit E. Anyone that fails to comply with provisions of 15 U.S. Code 1692 subchapter with respect, therefore, liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. See exhibit F.
|
| 08/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Agency : Credit Management LP Address : XXXX, TX XXXX Account reference : XXXX I received a collection notice which was forwarded to me by mail. The original amounts owed apparently were being sent to the wrong address in XXXX and I live in XXXX XXXX TX. I called the referenced agency above on XX/XX/2029 at approximately XXXX am XXXX. After explaining the situation I explained that I would like to pay the balance but would need something in writing that this would not be reported to a credit bureau. I was told that they did not report to credit agencies, however since they are a member of XXXX XXXX, it made me suspicious. I asked to speak to a supervisor, was placed on hold for 20 mins and then was told no one else was available. There was no direct extension to leave a message and the person I was speaking to refused to leave a message for a supervisor. At the end of the call I emphasized that I wanted to pay the debt but needed at minimum an email indicating this would not be reported to a credit reporting agency. This felt extremely shady to me. Based on what she was saying, I just needed to take her word for it instead of protecting myself and my rights. Please investigate.
|
| 08/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX at approximately XXXX, Credit Management LC called me, identified themselves as a debt collector, and informed me a debt must be paid to avoid going on my credit report. Upon further questioning, it was admitted to me that they did not own the debt. I requested an address to provide written challenge of the debt and request proof, via certified mail and was informed that they operate out of a XXXX XXXX and could not receive certified mail. They admitted to placing a phone call to me via computer in which the representative could not control, and that I could not be removed from being contacted via computer nor could a call be scheduled by them on a payment date because they could not place outgoing calls.
This company has made repeated phone calls to me that rang once and hung up or hung up when I answered, on the following dates/times in the last month. XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
This company began sending collection notices regarding a XXXX bill in mid 2015. I immediately contacted XXXX to find out what was going on. They had no record of my having any outstanding balance, and in fact all my payments were auto-draw from my credit card account, which I still have in spite of my moving from Alabama in 2015. It would be unlikely that they would have missed their opportunity to draw, even if there was some amount owing. I informed the company, Credit Management LP in XXXX, TX, and heard no more until this last spring, where they repeated the demand. I responded in writing this time, and told them that they had to prove it, and to echo their demands of 30 day compliance, I gave them 30 days to respond. Today I received another demand. No explanations, just another demand. I do n't know what sort of powers they have to affect my credit rating, but should that happen, I will be forced to contact an attorney. In summation, this is a demand of which I am not familiar, of which XXXX seems to know nothing, and to which the Credit Management company does not respond as their own letter proscribes that they will and must. Can you be of some help with this?
|
| 07/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.
|
| 11/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Subject : Urgent Request for Immediate Removal of Paid Collection Account I hope this message finds you well. I am writing to bring to your attention the urgent matter of the collection entry on my credit report related to account XXXX. I want to emphasize that this account has been fully settled and paid in full. Given that this account has been resolved, I kindly request that you take immediate action to remove this entry from my credit report.
According to the Fair Credit Reporting Act, Section 609 a ) 1 ) A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
XXXX
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!
These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!
XXXX {$520.00} XXXX XXXX XXXX {$420.00} Credit management Lp {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
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| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2023 I received a letter from a debt collection company called Credit Management. It was late in the evening, so I called them the next day at XXXX XXXX. I got through to them and spoke to a female representative. After we arrived at a agreement about repayment, I asked for a confirmation in writing and I was told " WE don't do that. '' I informed the representative " if you want money, you have to send me paperwork ". She then informed me that '' you will receive a email confirmation in 24 hours. '' I never received anything from them.
On XX/XX/2023 I received a phone call from Credit Management and the male representative, who barely spoke English, wanted to know when was I going to send them money. I asked when was I going to receive paperwork verifying the debt and showing the agreed payment plan as I was promised. He told me that " We don't send paperwork ''. I told him " It is my right under Federal Law, according to the FTC ''. He replied " we don't send paperwork ''. He the demanded to know when was I going to send money and I replied " If you want money, then you have to send me paperwork, it's a simple equation. I then hung up the phone.
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| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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In XXXX we switched wireless providers. For several years we had used XXXX XXXX but had become unhappy with their service. We switched our account to XXXX XXXX XXXX XXXX. The new provider came to our house and switched our service. I attempted to notify XXXX XXXX of the change but was unsuccessful. During that period of time we were at the height of the COVID crisis. XXXX XXXX XXXX had shut down their local office which handled wireless service. It was impossible to talk to the local agent. Attempts to call the company were unsuccessful because of COVID crisis. Perpetual telephone holds were standard procedure. I took the XXXX router to the local XXXX office and they returned it to the company. My last payment to XXXX was on XX/XX/20 for {$60.00}. My first payment to XXXX XXXX XXXX for wireless service was on XX/XX/20. XXXX has continued to perpetuate the fraud that they are providing service to my home and are due payment. After a period of time they sent their fraudulent claim to a collection service which has put a notification on my credit reports. They even sent a collection agent to my house. I want this nonsense to stop. This is nothing but a scam.
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| 09/17/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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ON XXXX CREDIT MANAGEMENT CALLED ME FROM XXXX TO MY PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THEIR AGENT TO COME ONLINE. I ASKED FOR THEIR NAME AND AFTER THEY GAVE ME THEIR NAME, THEY HUNG UP ON ME AFTER I ASKED THEM WHAT THEIR MAILING ADDRESS WAS. SO I CALLED THEM BACK AND SPOKE TO XXXX. I TOLD HER WHAT HAPPENED AND ASKED TO SPEAK TO THEIR COMPLIANCE DEPT. SHE TOLD ME THEY DON'T HAVE A COMPLIANCE DEPT. I REQUESTED TO BE PUT ON THEIR DNC LIST. THEN, THEY CALLED ME AGAIN TO MY PHONE NUMBER XXXX FROM THE SAME NUMBER OF XXXX AND THEY HUNG UP ON ME AFTER I SAID HELLO. WELL, I CALLED THEM BACK AND XXXX ANSWERED THE PHONE AGAIN. I TOLD HER I WAS CALLED AGAIN, SHE PUT ME ON HOLD AND CAME BACK ONLINE AND TOLD ME TO CALL XXXX. AFTER ASKING SEVERAL TIMES, SHE CONFIRMED TO ME THAT THIS WAS THEIR COMPLIANCE DEPARTMENT. I ASKED HER TO PUT MY NUMBER ON THEIR DNC LIST AND SHE SAID SHE WOULD. I HAD A FEELING SHE WAS NOT PAYING ATTENTION, SO I ASKED HER TO MAKE SURE SHE IS ALSO PUTTING THIS NUMBER ON THEIR TOO. THEN SHE NOTICED THAT SHE HAD TO PUT MY OTHER NUMBER ON THEIR DNC LIST AGAIN. I TOLD HER YOU GUYS CALLED ME AND HUNG UP ON ME WHEN YOU HEARD MY VOICE AGAIN.
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| 07/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my XXXX report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON ARTIST AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX IM A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.
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| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern : A couple of years ago, XXXX XXXX ( cable/telephone company ) sent me a final bill ( from an old address ) to which I tried to dispute because I felt I did not owe them that amount. Long story short, they sent me to Credit Management XXXX. The bill was {$160.00}. They gave me a discounted amount of {$110.00} which I paid on XX/XX/2019. I was told my balance is now PAID.
So even though I was unfairly billed, I took the hit just to get them off my back and to make sure they don't hurt my credit score. In addition, I requested for a deletion of said transaction and was denied. XXXX XXXX, supervisor at Credit Management XXXX said only XXXX can make that decision. It seems like extortion and it's me fighting the giants.
After all that, I just found out that my credit score dropped 40 points, caused by the same XXXX bill. My lender told me the credit report showed PAID, but also showed DELINQUENT. That is contradicting. I called Credit Management XXXX and was told they can not do anything about it.
I need your help PLEASE. What they did was injustice and they have all the power to hurt me.
Thank you.
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| 05/02/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am in the process of purchasing a new home closing this month, XX/XX/2019. I have working diligently to maintain my credit scores. Last month i received a notice through my XXXX account that a new collection was added to my reports. I quickly contacted the company listed to see what this was for. It was a XXXX XXXX collection for an address, even state that I haven't lived in for several years. The company had my previous address and phone number so I was never advised of this debt as required by law. They day I paid the debt, on a recorded line, the representative ensured me that they would removed this collection from my credit report after payment due to me never being advised of the collection. Now, two weeks later when I called to verify when they would be removing the collection from my report, they are saying that they are not going to remove it now. Again they told me it would be deleted on a recorded line the day I made payment! This not being deleted from my credit as they promised to do when i paid the account off is going to make me lose my new home and thousands of dollars I have paid in earnest money deposits!
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| 02/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.
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| 08/22/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION TO CREDIT MANAGEMENT ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company CREDIT MANAGEMENT in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
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| 02/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I moved to XXXX from XXXX in XXXX I open a Cable link with XXXX company in XXXX XXXX XXXX in a lease rental vacation Home.
I was not happy with the Tv channels, so i cancel the TV channels on XX/XX/XXXX and returned their Equipment. I kept the Internet connection for my work.
I moved from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX in XX/XX/XXXX. I closed the Internet account with XXXX and paid the balance owe of XXXX dollars and returned the internet modem equipment to their XXXX XXXX XXXX branch. I was told My balance was paid in full since I only had the internet only.
i been getting harrasment calls from debt collectors at my work phone, and got a message from my credit reporting company XXXX. The collection company has included a back mark on my Credit report for {$88.00} Dollars. This debt does not belong to me and should not be in my credit report, XXXX and Credit management LP in XXXX Texas creditor account XXXX Refrence XXXX This debt is not mine, I have try talking with XXXX and they wont talk with since the account is closed. Not my debt, collection Company has ruin my credit.
I need your help
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| 09/28/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
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| 09/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am a victim of identity theft and data breach. I continue to receive a natural consequence of which to harass, oppress, and abuse me in connection to collection of a debt that has been paid and with others that have already been removed from my credit report by law as negative reports should drop of from an individuals report after seven years and no longer considered in the score calculation.
The creditors has continue to take false representation or implication that the individual is an attorney and that he communication is from an attorney and has used false representation and deceptive ways to collect information regarding me. And in addition has used business, company and organization names of the debt collector 's businesses and companies by false representation and implication that the accounts have been turned over to innocent purchasers for value.
The abusive creditor has also rejected usps certified mail that i have sent inquiring regarding getting my requested information on these improper dates that have been resolved and continues to call me nonstop in a extremely harassing and abusive way.
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| 03/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I found out back in 2017 that someone in XXXX, FL opened a XXXX account under my name ( without permission ). This bill/account was placed in collections by : CREDIT MANAGEMENT LP. I filed a police report for identify theft and submitted appropriate documents ( i.e. utility bill -to show that I live in XXXX , FL , the police report, consumer rights notice, fraud paperwork, and ID ) to XXXX and the debt collections company. However, the claim was disputed by the company and remained on my account. I have recently tried to dispute this account with the debt company and have been told again and again that " the information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''.
I need assistance. I am in the process of looking to purchase a home and I can not move further with the process because of this debt. I am extremely frustrated because I did not authorize anyone to use my personal information to open the account, yet I am being penalized for someone else gaming the system. The debt company did not conduct a proper investigation into this claim.
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| 04/25/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Received attempt to collect a debt from Credit Management L.P ( File number XXXX ) for a medical services from XXXX XXXX XXXX under acct number XXXX, the bill uses the incorrect name of XXXX XXXX. I contacted XXXX XXXX XXXX to inquire about bill since we have insurance and had not received a bill.
XXXX check every family member 's name including the incorrect name stated in the bill sent by collector. XXXX confirmed there are NO outstanding medical bills. XXXX also informed me the account number is too long to be an XXXX acct number and is missing letters. In addition XXXX does use Credit Management L.P as a collector.
I looked up the company and found several fraud reports.
Things are suspicious in this letter are 1 ) Incorrect Name : XXXX XXXX is Not my last name but it is my daughter 's last names.
2 ) Acct number is 8 digits ( XXXX ) which XXXX states they use digits and letters for acct information.
3 ) XXXX XXXX IMAGINING has no outstanding medical bills for our family and does not use Credit Managment LP as a collect.
Therefore, I dispute this attempt to collect as a fraudulent attempt.
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| 02/25/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is NOT my debt. The original creditor is listed as XXXX for {$250.00}. My comcast account has been paid timely for the past 22 plus years at my current address. Credit Management LP ( CMLP ) filed a collection with all 3 credit reporting bureaus. They submitted one on XXXX on XX/XX/XXXX. I disputed the debt the same day on XXXX and found the collection on all 3 agencies. I disputed the debt on all 3 agencies immediately. I mailed CMLP a certified letter on XX/XX/XXXX requesting that they cease the collection and that they should mail any documentation to me they feel proves the debt is mine to me. I have not received a response to the certified letter as of yet. I have not received the return receipt. CMLP has proceeded to flag my report again on XX/XX/XXXX for collections for the SAME debt. Their action has caused my credit score to drop by 100 points. This has reduced my credit rating from exceptional to good. I have no knowledge of ever speaking with them by phone and they have never contacted me by mail as required when collecting a debt. I will only communicate with them via the US Mail.
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| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty.
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.
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| 02/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ).
Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment.
XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt.
At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls.
This company is why collection agencies get a bad name.
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| 05/31/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I lived in campus housing my senior year in college. Upon graduation XXXX XX/XX/XXXX ) I closed my XXXX XXXX account. Due to Covid all XXXX retail offices were closed so they asked I transfer the equipment to a roommate who opened a XXXX account to continue internet for the house. I contacted XXXX three times to make sure everything was closed out because I was leaving the country on a XXXX Scholarship to XXXX XXXX, XXXX never tried to contact me concerning any issues. They have my address, phone and email.
While visiting the U.S. ( XX/XX/XXXX XXXX for a Covid vaccination, I received a text message from CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX stating that I had been sent to collections for the equipment for {$64.00}.
I was never contacted by XXXX nor Credit management until they sent me to collections and entered a negative entry on my credit report.
I contacted XXXX, and after talking to 6 different people, the issue was fixed but they said they could not remove the negative comments on my account. They wanted me to file a dispute with each agency instead.
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| 07/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Credit Management LP has reported an inaccurate address on all three credit bureaus as well as reported different account numbers ( the four digits of account numbers provided to each credit bureau ). The last payment for the collection is XX/XX/2021 and the first date of delinquency is listed as XX/XX/2021 which is inaccurate - I have never lived at the reported address nor have an open account with the original creditor during this time period ( furthermore I have a credit alert on all 3 bureaus and any new accounts should have been confirmed with me before opening ). I have disputed with XXXX and XXXX on XX/XX/2021 - both bureaus have contacted Credit Management LP which is still certifying that the inaccurate information is valid. XXXX responsibly removed both the address and the collection account after verifying the reported address was not tied to any other of my accounts. All three credit bureaus have deleted the fraudulent address reported by the collection agency, however XXXX and XXXX will not effectively do their due diligence to look further into the other inaccuracies reported.
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| 09/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Contacted by Credit Management LP by Mail. They said they were collecting debt for XXXX XXXX XXXX for {$250.00}. I checked my heath insurance claims and noticed there was a paid claim for a different amount so I disputed the charge. I received a 2nd letter saying that they verified with XXXX XXXX that the charges were accurate and I must pay them. I called my health insurance, BCBS, to double check they didnt have any claims I couldnt see and they did not. XXXX XXXX XXXX XXXX called XXXX XXXX with me to discuss the charges and we were then told to call XXXX XXXX and given their number to call. When we called them they asked for my name/DOA/address and last 4 of social to verify my account. I gave them the information and they said I had no charges and everything was paid in full. We then called XXXX XXXX back and they said I would have to dispute the charges again. I'm concerned that XXXX XXXX is not a legit debt collector and the number they provided for XXXX XXXX was also apart of their scam to get my personal information. Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I called, Credit Management.LP at XXXX XXXX XXXX, XXXX XXXX in XXXX Tx, XXXX. Phone number XXXX. I requested my information using my last name and last 4 but they were unable to find me in their system. However, when I provided my full name and full social security they were able to find me but my name was spelled wrong. I told them, they had the wrong person because of the name they listed. They said, the social matches so it has to be you. I told them I never received my dispute letter and the lady said, we already sent it. But how can that be, you do not have the right name. I told them I want to dispute the debt by phone and she said, we dont do that here. I told the lady according to the FCRA you are suppose to dispute the debt, if the consumer said it is error. She told me to go to the website. The FCRA says I can dispute immediately by phone. When I asked about my letter for dispute again, she ignored the question. I reported them to the XXXX XXXX XXXX and they admit in their comments they didnt send me my dispute letter and that it was on its way, after about 120 days latter.
|
| 12/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''
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| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I previously moved out of an apartment and XXXX was not available at my new address so I cancelled the service. I paid my final bill and returned the equipment. I found out years later looking at my Credit report that they had billed me for not returning the equipment, even though I did, and sent it to collections. I called XXXX to remediate the issue and they said I needed to call Credit Management LP in order to have it removed from my credit report. Upon talking to Credit Management I was told the easiest way was to pay the balance as it was only {$68.00} and they would remove it from my credit report. While I had returned the equipment I agreed to pay because the {$68.00} wasn't worth the headache as I am trying to purchase a home and this is affecting my rates. The account has now been closed, nut they have not removed it from my credit report. I have outstanding credit outside of this and it is greatly effecting my credit score and rates for something that was a mistake on XXXXXXXX XXXX part that I attempted to remediate and paid for even though I should not have needed to.
|
| 03/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was contacted by XXXX 's collection company " CREDIT MANAGEMENT LP '' in XXXX about this supposed debt " on my name ''. I've never been a XXXX client. I informed them there was no possible way the debt was mine, but they insisted it was my account ( it's not ). They've somehow provided my full social security number, but incorrect date of birth, when I asked to verify the account info. I informed them again that the debt was not mine, I have never been a XXXX client, and that the debt was from someone else. I've had a similar situation before where they tried to collect my father 's debt, who has the same name as mine, from me. The situation was escalated all the way to XXXX, who eventually removed the debt collection from my name. But this time, they somehow had my social security number attached to this debt, despite the fact I've never been XXXX 's client. I have a feeling CREDIT MANAGEMENT LP is commiting identity fraud against me to try to make me pay a debt I do not owe. I disputed the account with XXXX, but they have refused to remove it from my credit report.
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| 01/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/2020 I became aware that my credit score decreased by 44 points, from XXXX to XXXX, during XX/XX/2020 because of a " derogatory account '' that Credit Management , LP had notified the credit reporting agency XXXX they were collecting on behalf of XXXX XXXX XXXX.
I contacted Credit Management , LP for first time via telephone on XX/XX/2020 XXXX XXXX to gather information.
Contacted Credit Management , LP for second time via their website https : //www.creditmanagementonline.com/questions on XX/XX/2020 XXXX XXXX to issue a letter to initiate my dispute.
I disputed this debt because I was never contacted by neither XXXX XXXX nor by Credit Management , LP in regards to either proof of this debt or its collection. Credit Management , LP may be in violation of the FDCPA ( section 1692c.b ) by having failed to issue me notice of the alleged debt prior to contacting consumer reporting agencies, and in doing so having intentionally damaged my personal credit score with no proof of debt having ever been presented to me. I believe this currently amounts to libel.
|
| 07/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
ON XXXX/XXXX/XXXX I received a letter from the office of credit management, I which I called XXXX for my current account and I have a credit balance. XXXX could n't identify the account number that I provide on the letter. so I called the number on the letter and I provide her the information and I advised her that I have a active XXXX account and that I do n't owe {$160.00} she XXXX that the balance was from XXXX/XXXX/XXXX from the address of XXXX in XXXX ga, I advised her that I filed bankruptcy in XXXX and I provided her with attorney information and phone number. I advised her that I filled XXXX us bankruptcy court - XXXX case id # XXXX chapter XXXX discharged XXXX/XXXX/XXXX. by me being a victim of fraud I have credit monitoring service that alert me of changes and they put this on my credit report on XXXX/XXXX/XXXX and sent me a letter on XXXX/XXXX/XXXX per the fair credit reporting act they violated me, reporting inaccurate and unsubstained information to a credit reporting agency may constitute fraud under federal law Compliance with thus request is required
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
|
| 09/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX reported that I owe {$1300.00} to an account that was fraudulantly opened with my social security number on XX/XX/2022. They turned it into a collection agency called XXXX XXXX XXXX and reported it to XXXX in XX/XX/2022. I noticed it on my credit report XX/XX/2022 and contacted XXXX XXXX XXXX at that time, along with XXXX. XXXX told me that I would have to go through the credit collection agency at thay time. A fraudulent address showed up on my credit report when I looked at it yesterday, XX/XX/2022. It is XXXX XXXX XXXX, XXXX, CA. I have lived at XXXX XXXX XXXX XXXX for 6 months and XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 17 years ) prior to that. Please help me get this off of my credit and close the account with XXXX XXXX. I have since frozen all XXXX accounts ( XXXX, XXXX and XXXX ). I am applying for a mortgage at this time so time is of the essence for me to get this resolved. Thank you ps-I also attached a coupe of utility bills of proof that I live at XXXX XXXX XXXX XXXX XXXX XXXX, CA. I work for XXXX XXXX XXXX XXXX and do not live in XXXX, CA.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION ( CREDIT MANAGEMENT XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company ( CREDIT MANAGEMENT XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 03/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL This company is threatening me through Credit Management LP to create a debt collection, I received a call from an agent that works for Credit Management called XXXX XXXX, asking me for confidential information, the debt was from XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL - For services provided on XX/XX/2021 - When I called the collection agency to find out why I received this, they told me that XXXXXXXX XXXX XXXX XXXX sent me an invoice three times and they never received payment. I NEVER ONCE RECEIVED ANY INVOICE FROM THIS COMPANY. Upon further investigation, I found out that this company never even attempted to file a claim with my insurance company. I have made a payment through Credit Management LP but it is still showing as pending. I need this company to STOP charging me for services not rendered, to STOP threatening me through Credit Management LP to affect my credit, and to STOP asking me for confidential information over the phone. I hope to solve this problem.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX I found that there was a collection of {$110.00} for a XXXX XXXX bill in XXXX, GA on my credit report. This collection was lableed as delinquent in XXXX. I was *not* the owner of that account. I had moved to Florida and was a Florida resident in XX/XX/XXXX. I called the collection agency ( Credit Managment LP ) and had discussed that it was not my account, but asked if I could get a goodwill deletion if I paid off the debt because I wanted the issue to be resolved immediately instead of waiting months for it to go thru the dispute process.
They agreed that they would provide a goodwill deletion after the debt was paid.
After I paid off the debt, they apparently deleted the collection only to XXXX. The collection still shows up on my XXXX and XXXX credit reports, negatively affecting my credit score. I called Credit Management LP again in XXXX and they told me to file a claim on their Web site. I filed a claim on their Web site, but I still get no response and the collection is still showing up on my XXXX and XXXX creidt reports.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX There was a notification letter sent to my daddy 's address which I used to stay at back in XXXX & XXXX and I don't have any recommendations of owing a bill to this XXXX XXXX because at the time I was staying there I was signed up in college taking online classes so ( ICU ) XXXX XXXX XXXX, and also I had it transferred from my old address XXXX XXXX XXXX XXXX XXXX, NC XXXX to my daddy 's address which is XXXX XXXX XXXX XXXX XXXX NC XXXX. And I wasn't aware of and money 's that's was owed because I never received a bill of any kind what so ever. Plus I was getting government assistance paying my Internet bill and when I move out from my daddy 's I called them and told them to disconnect my Internet, so I don't feel like XXXX trying to get money out of me for no apparent reason, and this is the second time this has happened. And they never send me a bill it's always a notification of collections and I'm sick and tired of it. So if you guys can't handle this situation then I will talk to someone who can handle this situation.
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
During the phone call from Credit Management on XXXX I notified them that debt to XXXX was not due and gave info from XXXX to confirm. After another call from Credit Management, I informed them on XXXX that I did not owe the debt and gave the information from XXXX to confirm this. On XXXX I received a bill from Credit Management attempting to collect the same debt. On XXXX I sent a certified letter to Credit Management regarding the debt they have been attempting to collect and that I did not owe the debt and requested proof that I owed the debt. Postal service verified letter was given to an individual on XXXX at Credit Management in XXXX Texas. I have received no correspondence from Credit Management. On XXXX I received phone message from Credit Management to call them to prevent legal action. That number was XXXX. The original debt came from XXXX. I have XXXX confirmation ticket number XXXX from XXXX confirming account corrected. XXXX apologetic account was not closed properly as I did return the equipment on XXXX, ticket # XXXX.
|
| 10/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In around XX/XX/2021, XXXX XXXX sent correspondence to collect monies related to obsolete communications equipment that was never collected by the company after a cable/internet service disconnection. Eventually, the equipment was dropped off to the local office by my wife, XXXX XXXX in an attempt to remodel our garage area.
In my first response to the collection, I did not know that my wife returned the equipment and told the company that I didn't have the equipment. Once I realized that the equipment was returned, I called the collection agency to inform them. The collection agency told me that I needed to clear this with the cable company.
Upon calling the cable company, they confirmed that they did receive the equipment. I called back the collection company, but they remained unchanged until XXXX XXXX contacted them. I then called XXXX XXXX back and got a positive response to them fixing this situation by calling the collection agency to remove the collection charge.
I'm not sure how to proceed with this situation.
XXXX XXXX
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CREDIT MANAGEMENT Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 3 yrs, 6 mos ) I have filed multiple dispute letters and have tried all means to get this XXXX cable bill off my credit it is reporting on XXXX only. I am a victim of identity theft i sent this company the letter i received from the social security office as well as from the U.S Marshals. I have been XXXX since early XXXX. There is no way this belongs to me. I've tried to communicate with them but they fail to respond. I was released XX/XX/XXXX of XXXX. This is debilitating my chance to progress. I need help i do not know what else to do? I've sent 5 letters from XXXX with the dates i was XXXX and they just ignore my letters. All my letters have been notarized and sent priority mail from inside of XXXX. They're reporting this account and another one which i will file a complaint with as well. I included a fraud letter and the letters from the U.S marshal 's and to no avail. Thank you for your time.
|
| 10/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX ( XXXX ) in XXXX was my triple play service provider ( Cable, Internet and VoiP Phone ). I terminated service. A XXXX technician came to initiate service for the new customer taking over service. The XXXX technician took equipment back ( DVD-R, peripherals ) and said he would report that he had taken this equipment back. Now, I got a bill from {$180.00} from XXXX which when I called was told was for this very equipment which XXXX alleges was never returned. I said this was an error. XXXX put me in collection with Credit Management LP to collect this {$180.00} which I do not owe. I called Credit Management LP to explain I am disputing the debt. Credit Management LP has told me that I need to provide all sorts of personal data ( new address, SSN, etc. ) in order to properly file with them my debt dispute notice. XXXX and its agents are in the wrong, abusive and overbearing. I request : cease and desist, annulment of debt and a redress of any notice of delinquency on my credit reporting. Please help me. Thanks
|
| 12/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a a unverified account from CREDIT MANAGEMENT COMPANY # XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had been a XXXX customer for years, however When I notified them that I was moving, and attempted to have the account transferred I was told that the area I was moving to was not serviced. I returned all equipment via USP office.
I moved in late XXXX. Following the move I received a bill for equipment not returned as well as service ending. I called and spoke with a CSR, proved my equipment was returned and was told that all charges would be forgiven if I requested that my service be moved again. The Equipment charges were removed from my account. Unfortunately the service charges remained and I continued to receive collection calls. I called again, was sent thru phone purgatory, and yet again was told this had been resolved.
I notified them properly I was told charges were resolved twice.
I was notified that XXXX added a complaint on my credit report.
This claim is not valid, should not be on my account, I was told twice by XXXX that it was resolved. I would like this removed from my credit report immediately.
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX I received a debt collection letter from credit management , LP with the attempt to collect a debt in the amount of {$780.00} stating that I owe XXXX XXXX I was given until XXXX the XXXX XXXX to call or write to dispute the debt thereof and that credit management , LP ( " Must stop collection on any amount I dispute until they send me information that shows I owe the debt. '' ) On XXXX XXXX I sent a handwritten dispute letter requesting for validation of this debt.I sent it certified mail. Never received a response from this company. Today XX/XX/2022 I received a credit confirmation concerning negative remarks on my credit report. I contact the company credit management , LP to inform them that they did not send me the requested information did I inquired about in my dispute letter or any legal factual information that says I owe this debt. And that they took it among themselves to assume that the information they had was correct without providing me adequate validation with strip me of my consumer rights
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an alert from my credit bureaus saying that I have a collections report from a company named Credit Management XXXX XXXX This agency states that it is attempting to collect a debt on behalf of XXXX XXXX for a past due amount of {$160.00}. I tried to contact this agency to no avail. I then contacted the creditor for which this agency stated that they were acting on behalf which is XXXX XXXX. XXXX XXXX representatives stated that they do not have my name or personal information ( SSN, Driver License Number, Addresses ) in their system and therefore advised that this may be a false account. This has severely impacted my credit score which I have worked very hard to maintain. I do not have any contract or agreements with Credit Management XXXX XXXX or the creditors for which they are representing and therefore am requesting that they remove my information from their system and correct their report.
Credit Management XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Phone Number : ( XXXX ) XXXX
|
| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is a collection on my credit report from a company that I never heard of. The " Collections company '' is listed as Credit Mgmt - XXXX. The " original creditor '' is listed as XXXX XXXX XXXX. The amount is for {$780.00}. It says opens since XX/XX/XXXX and last account activity shows XX/XX/XXXX. This is not my account. This is totally unfamiliar to me. In the payment details sections it says " XXXX / XXXX ''.
When I googled XXXX XXXX XXXX, a company called XXXX XXXX came up. When I called the XXXX XXXX company, the lady answered and knew of the XXXX XXXX XXXX company. She said that it was part of XXXX. She went to offer me her credit repair services and said for {$100.00}, she could get this item removed from my credit report. I declined because this is NOT my credit responsibility.
I called XXXX ( whom I do have an account with that is is perfect standing and no past due balance ). The person at XXXX said that XXXX XXXX XXXX is NOT their collections company and that I do not have an outstanding bill.
|
| 04/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a a unverified account from CREDIT MANAGEMENT LP XXXX.
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received an alert on my credit report that Credit Management was placed on my credit report Tuesday, XX/XX/XXXX. I have not reached out to Credit Management because i have no knowledge of anything concerning this company. I was NEVER notified in writing of a notice to place this account in collections. I was not properly notified so that I could dispute the debt before it hit my credit report. This would have given me time to request validation. This account has been in dispute with the original creditor XXXX since XX/XX/XXXX due to their inaccurate charging of the bill to my account. XXXX never resolved the issue with me as a consumer, and have since sent this account to several collection companies without notifying me as well. This should be immediately removed from my credit report for the collection agency never notifying me of their attempt to collect any debt. They have illegally placed this on my credit report and i am filing this as a complaint and will take further action if it is not removed.
|
| 05/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never got one letter stating I owed this amount to XXXX or any letters to say they were attempting to collect a debt they must not have my new address- so I called XXXX and they said I don't owe any money as well and I even have tracking numbers for the equipment that was already returned to XXXX Also, the equipment in question is at my current address under my wife 's name so once again -This is not a valid debt. The debt collection company also would call me at XXXX XXXX in the morning as I have been living in CA for work and then wouldn't state who they were and wanted me to provide personal information before they would disclose who they were and I did not feel comfortable doing so. They violated several laws with the way they called before XXXX XXXX and I'm concerned they are doing the same to others. they also called one time 14 times in a row before XXXX XXXX My tracking numbers for the returned equipment are # XXXX XXXX also gave me a ref # that proves I don't owe them any money its ref # XXXX
|
| 01/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Credit Management , LP, ( doing business as ) The CMI Group, is in violation of 15 U.S.C 1692-1692p. On XX/XX/2019, I XXXX XXXX do swear that I received a phone call at work from a Representative of Credit Management , LP, ( dba ) The CMI Group in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d.
The individual calling did not acknowledge his name or the name of the Entity in which he was calling from, in violation of of 15 U.S.C 1692d ( 6 ). I was unable to talk at the time of the initial call, so i called back and spoke with a young lady by the name of XXXX.
I verified with her my name, and the number in which i was calling from. upon locating a reference number, XXXX would not continue the call unless I provided her with additional personal information which i refused to due. She ended the call quite abruptly with me after not given the reason for the initial call from Credit Management LP, ( bda ) The CMI Group.
|
| 02/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from Credit Management XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. Credit management purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. Credit management needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A company by name of " Credit Mamagement Company '' ( which is how it is listed on my credit file '' placed a debt on my report for {$680.00}. Never heard of the company nor have I received anything in writing about this company and a debt. It just popped on my credit file and I do not have any collections on my credit file, which makes me very suspicious of who this company is. I do know by federal law, I am to receive any debt in mail especially if someone claims they are collecting on behalf of someone else, they also must be licensed and bonded in my state of TN to collect a debt, in which this company has violated by not following federal law and notifying me of a debt they are trying to collect that has been paid as it was nothing but cable boxes needed to be turned it, which they have been already for over a year and I do not owe a cable company, if I did they would not be giving me my current service now in my name. This company further more is not licensed and bonded in TN to collect a debt.
|
| 04/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The morning of XX/XX/2022, I received an email from XXXX XXXX informing me that a negative item had been added to my credit report.
Upon reviewing the report, I found that somebody had opened an unauthorized account with XXXX XXXX in my name. My credit report does not list the date the account was opened. But it shows that a collection agency that goes by the name of CREDIT MANAGEMENT LP is in charge of this account since XX/XX/2022.
I did not open an account with XXXX XXXX, I have never heard of them, and I have never received any correspondence from them or from CREDIT MANAGEMENT LP. I have no idea who these companies are, and I have not authorized any transactions with them.
My credit report shows that the account opened in my name is linked to the following TX address, which I have no knowledge, relationship or links to : XXXX XXXX XXXX XXXX, TX XXXX This morning, I filed disputes with the 3 credit bureaus.
I have also filed a police report ( XXXX ). The temporary tracking number is : XXXX.
|
| 07/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company identifies itself as " Credit Managment '' Repeatedly and consistently every week day calls me between 5 and 10 times. They have been calling for months but the statistics listed below just count XX/XX/XXXX through XX/XX/XXXX. I've told them to stop calling me. I've told them to remove my number from their list. I've asked them send any correspondence through mail. The calls as you see, are endless. They call from several numbers, and that data is below as well. I would like to sue for XXXX per call, just from XX/XX/2019 until I get satisfaction and the end of their harassing calls. I've documented 29 calls below, but I can go back for months via my cell phone bill.
Calls from XXXX XX/XX/XXXX : 11 calls calls from XXXX XX/XX/XXXX : 3 calls, XX/XX/XXXX : 1 call XX/XX/XXXX : 2 Calls Calls from XXXX XX/XX/XXXX : 2 calls Calls from XXXX XX/XX/XXXX : 2 calls, XX/XX/XXXX : 2 calls, XX/XX/XXXX : 3 calls Calls from XXXX XX/XX/XXXX : 1 call Calls from XXXX XXXX XX/XX/XXXX:1 call, XX/XX/XXXX 1 call
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a a unverified account from CREDIT MANAGEMENT XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 01/30/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Credit Management LP is trying to collect an debt and has put it on my credit report and I have disputed it several times. I also asked for a validation to verify they can legally collect this debt. They keep saying XXXX XXXX but I had an account with XXXX. I spoke with XXXX customer rep XXXX on XX/XX/2024 and he stated that they put a ticket in for it to be deleted because I have been in communication with them. I was also told once it was paid that I can start service over again with them. XXXX is a no contract telecommunication so I'm not sure how Credit management got my account or social to even put it on my credit report especially when I have identity theft in place. I do not owe credit management the debt at all. Never opened the account with them and haven't been provided any proof I owe them. They deleted it off my XXXX but its still showing on the XXXX and XXXX I would like it deleted and them to cease all communication and delete my phone number off their account.
|
| 10/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I noticed an Adverse account In Collections reporting on my credit report from for a {$210.00} debt balance to Credit Management LP. I had never heard of this company and I never signed a contract with them.
I contacted Credit Management LP by phone on multiple different occasions to advise them that I dont know anything about the debt that they are reporting and I requested that they remove it. In my calls I offered to pay the debt if the would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt had on my credit.I did not know that I could contact the CFPB to assist me with getting this erroneous account removed. This is not my debt. I have not ever conducted any business with Credit Management LP. I have never requested their services or signed an agreement to pay Credit Management LP for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.
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| 10/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Fraud Collection Scams : I received collection notice dated XX/XX/19 from suspicious collection agency for XXXX XXXX XXXX in the amount {$270.00}. Notice has residential address incorrect, although postal service delivered to my current mailbox. Incorrect address on collection notice : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. This is not my address.
Issue is this notice is invalid, and I should not be receiving. I moved XX/XX/2019. Prior to my move, I telephoned cable provider ( XXXX ) requesting my account be closed. I had returned all XXXX equipment. I asked if any balance was due, owed on account. XXXX Customer Representative stated my account had {$0.00} balance, and I owed nothing further on account. Phone call ended.
I have concern for fraudulent collection scams, abuse and misuse of personal identity information to create false collection.
Received collection notice from : Credit Management, L.P. ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TX XXXX ; Phone XXXX, Client # XXXX
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| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Not sure if this is legit but it seemed very strange and needed to report it just in case.On XX/XX/XXXX, I had received a phone call from XXXX XXXX (? ) from a " Credit Management LP '' company out of Texas # XXXX They requested that I verify who I was before stating the nature of the phone call. They had asked me to Verify my address, it was an address from a different state with the incorrect spelling of my name.They stated I owed {$250.00} for XXXX XXXX in Georgia. Not sure if they were legit or not, but did verity information. They did have the last 4 digits of my Social Security, but did not give them anything else. I never had an account with XXXX XXXX. They then transferred me to XXXX and spoke with XXXX, XXXX. Went through the account with me when it was opened and closed. The account opened XX/XX/XXXX until XX/XX/XXXX. Again I never lived in the state the account was held in. He sent me a fraud form to fill out but it required a copy of my license. I will not give that out.
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| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Credit Management LP reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.
|
| 11/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This is a FRAUDELENT XXXX charge for an unrequested security system installed in a newly purchased home ( without permission to enter the premises ) during a XXXX service call to initiate cable service in a XXXX XXXX premises. The technician gained entry when a remodeler let him in. They FORGED my signature to installation paperwork. I was not even on the premises! The home already had an active security system from XXXX so I certainly never wanted a second one! The XXXX XXXX has long since got rid of XXXX as the cable provider in the community due to many complaints by homeowners about poor service and corrupt billing practices.
I spent several hours disputing this with XXXX and their collection agencies around XXXX and XXXX. They even tried to negotiate a reduction in the fraudulent bill for their fraudulent " service ''. This matter was finally settled once and for all with all the credit reporting agencies. Now XXXX is trying to revive this fraudulent bill once again.
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Credit Management , LP, improperly applied a debt belong to my mother to my credit report. I provided them with information that the debt was not mine and they returned a message confirming that they would no longer pursue the debt. However, after my requests, they have failed to remove the debt from my credit report. Since XX/XX/XXXX, they have confirmed that I do not all the debt but have failed to remove it from my report. Both a debt collector and the company originating the debt confirm that I am not the account holder and that the collection should not be on my credit report. The debt collector information is as follows The Offices of Credit Management , LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. I am in the process of onboarding to a new job and this inaccurate collections information negatively reflects on my reputation. Credit management LP has had more than enough time to remove this negative mark for my credit report.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by Credit Managements actions. They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices.
The account information is the following : Account Name : CREDIT MANAGEMENT, INC Account Number : XXXX Original Creditor : XXXX XXXX.
Opened Date : XX/XX/2019.
High Balance : {$72.00} My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP.
Please sed the attached documentation to this company.
Thank you.
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| 02/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : Credit Management LP Account Number : XXXX has violated my rights.
15 U.S.C 1681 section
602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 04/09/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
|
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I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 12/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 09/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About two months ago, I received a very strange collection notice in the mail from CREDIT MANAGEMENT LP in XXXX I believe. I am out of XXXX, so this seemed strange. I called the number and they said it was on behalf of XXXX and wanted me to pay right away. I did not agree to anything.
I immediately hung up the phone and contacted my service provider, XXXX, to ask about the collection notice. The XXXX representative said that my account was CURRENT and up to date. So, I ripped up the collection notice from CREDIT MANAGEMENT LP and did not think anything more of it.
Now, XX/XX/2020 I come to find out that this collection company CREDIT MANAGEMENT LP, has fraudulently placed a COLLECTION on all three of my credit bureaus. Thus affecting my FICO SCORE and hurting my credit history.
My ask, is that there be repercussions against this collection agent for their FRAUDULENT ACTIVITY. It has caused me a lot of grief, trying to remove this off of my credit reports PLURAL.
|
| 07/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contracted internet services with XXXX since XXXX. The services received were standard and exclusive for low-income families ( {$10.00} per month ). In XXXX, XXXX continued to bill my account for premium services that were not offered nor being used through their services ( XXXX ).
I disputed this information but was unsuccessful in getting reimbursed. I continued to pay my bill online. After a while, my discontentment grew, and decided to cancel all services with this company ( XX/XX/XXXX ). The company failed to provide or mail any bill to the address on file after internet services were canceled. Instead, continued to send electronic bills to an app no longer active on my phone.
Recently, a negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. The said XXXX account, had been sold to a collection agency, Credit Management. The account is showing on all credit bureaus as an active collection.
|
| 10/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.
|
| 09/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ok so first off this account does not belong to me a few months ago it was with another company XXXX XXXX it was removed from all three credit bureau 's. So i wake up a few weeks ago and I get several alerts that I have a knew collection account from Credit Managment whom I have never heard of, and never received any communication from at all. I have been calling them everyday since they added this account to my credit profiles. Not only do I not owe XXXX XXXX because I have never had an account with them but isnt it illegal for Credit Management not to give me any notice and ruin my credit they I work very hard to correct and maintain. This is ridiculous I do not appreciate their lack of tact how after I successfully got this account removed while it was with another collection company they then buy it and saddle me with it yet again. This is incorrect and an over use of their power further more for me to not to be able to reach them is very unprofessional..
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been getting continuous calls from a XXXX party debt collections in regards to a XXXX account that was opened under my name in XXXX while I was in Texas. I have sent in the requested proof of residences and identification to them about a month or so ago. Calls stopped for about a week and then started back up. I have spoken with them again and they are now asking for a police report of the incident, I went to my local police department in Texas and they are telling me because of the time and situation i would have to file with the XXXX police department for that claim. I am not able to just fly over to XXXX to make a police report. So when I called back they said well we are out of options and transfer me to another person that tells me the same thing until I magically get disconnected. I then went and called XXXX and after hours of phone calls from them and finding out there are no local branches here in Texas they sent me here to file a complaint.
|
| 05/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This was a misunderstanding a couple of years ago I actually went to their office in XXXX Michigan and they refused to help me with this issue they told me basically it was my problem they refused to write you guys a letter or write the company that is collecting a letter stating I owe them nothing more than my monthly bill I do not owe them any money I will go down there again speak with the manager and record the conversation and they will not do a thing to resolve this I asked them to call the credit card company or XXXX XXXX and they told me it 's my problem well they said they need to talk to while wow says another another thing I 'm getting really tired of this and it 's going to get very aggressive very quickly my phone number is XXXX my name is XXXX I want this resolved now by Monday morning I would like a phone call and this resolved or I will get a lawyer involved with wow. They are worse than XXXX when it comes to building in customer service
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American, Servicemember |
|
They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.
|
| 07/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive recently been monitoring my credit through XXXX and received a notification of an unusual debt for {$170.00} from CREDIT MANAGEMENT LP. Ive never heard of this company before. When I tried to contact this company through their phone number [ XXXX ] no one answered the phone. I called back and they claim they dont have my information on file.
I request your cooperation in removing my credit report to remove this collection of {$170.00} Reported on XX/XX/2023 ( XXXX, XXXX 2023 ).
After reviewing my credit report, Ive come to the realization. Furthermore, per the Fair Credit Reporting Act ; Section 611 ; Subsection A-D, Im entitled to the contact details of each individual with whom you verified the above accounts at my request so that I can follow up if necessary.
Once youve completed your investigation, please let me know Please be aware that I am sending this letter on my behalf and have included a photocopy of my ID to verify my identity.
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Credit Management has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities.
|
| 01/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
|
| 08/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
My now deceased aunt opened several accounts in my name using my social security number. I received a letter from Credit Management dated XX/XX/2020 on XX/XX/2020 ... .2 months after they have placed the debt on my credit with all 3 bureaus. I then sent a certified letter on XX/XX/2020 asking them to verify the debt was mine. I asked for XXXX service agreement with my signature, my drivers license or any identity proving I signed up for their service. I received a return letter stating they do not settle not verifying the debt. We are currently buying a home so after numerous phone calls to XXXX and Credit Management we were told if we paid it will be removed from the 3 bureaus and after XXXX settles the fraud claim we would be reimbursed. Now, after they have been paid ... .none of those conversations never took place. They lied to get my money and still has this fraudulent debt on my credit! They went from calling everyday to now hanging up.
|
| 03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On the XX/XX/XXXX, I came back from work when my kids told me they could not watched TV. I asked what happened, they said the TV was not working. Then I tried tot rouble shoot the TV yet it did not work. Then I called XXXX XXXX why my TV, phone and Internet are not working, they said I owed XXXX that is why they cut off my services. I told them to immediately cut off my services from them. Which they did that day but they asked me to return their equipment to the nearest location to my house. I returned the equipment on XX/XX/XXXX. They send me bill of {$760.00} on XX/XX/XXXX which I said why this bill? They said is for XXXX and XXXX bills and termination fees. I told them why should I pay for XXXX when you already cut off my services. Should I pay for the month I did not use my services. I already have another provider since XXXX. Please I want you people to intervene. Why should i pay for the month i did not enjoy or use their services?
|
| 12/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request CMI that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 08/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have a derogatory mark on my credit reports/files that was reported by Credit Management , LP. It is apprently for a XXXX bill of {$240.00} dollars, which I already contacted XXXX about when I originally received the bill. I haven't had XXXX since XXXX of XXXX, as I moved to Missouri in XXXX of the same year. The service was scheduled to be suspended the day of the move, and all equipment was returned on our way out of state. As I stated, I received a bill from XXXX shortly after I moved at my new address, in which I contacted them right away. They said it was for unreturned equpment, which I was able to confirm on the phone that all equipment was, in fact, returned on XX/XX/. I'm not quite sure why the alleged bill ( to which there is no merit ), would be sold to a debt collector. Furthermore, to this date, I have not received anything in writing from XXXX XXXX stating that they are a debt collector and they are entitled to this money.
|
| 04/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally.
Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it.
I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016.
|
| 03/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDIT MANAGEMENT LP XXXX XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this account.
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX, TX XXXX This account says i owe {$370.00}.
THis is the second time this creditor has placed a false collection account on my credit! This account says i opend an account in XXXX with this company and never paid a bill. I have not opened or authorized an account with this company. This false information deduct points of my score and I want my points back. I have nothing negative on my credit report and I have never been late on a payment! I don't even owe medical bill! I just bought a new home in XXXX and a new car in XXXX ... there is nothing negative on my credit report except this fraudulent account that is not mine.
I have 100 % payment on all my accounts.
Please help me remove this account from my credit report, and please help replace the points taken due to this fraudulent account.
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
So on XXXX XXXX XXXX I called Credit Management LP to inquire about an amount owed to them. Upon speaking to a representative from their company they said I owed them {$580.00} dollars. I asked for what and she said it was an unpaid balance for XXXX XXXX. The Rep then told me I was able to Settle this debt for {$290.00} if I paid over the phone right then. I was also informed that this company does not perform any pay to delete services for credit. However they did say that they would settle the account for the amount paid and it would take 2 weeks for the update to reflect on my credit. I agreed to pay this {$290.00} to settle the account with them seeing as I had the time to wait for it to reflect on my credit. But now its been more than 2 weeks and about to be about to be 2 months since this settlement occurred and they have still not held up their end of the bargain. Which is now affecting me in the process of purchasing a new home.
|
| 10/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX turned my diagnostic billings over to a collection agency -Credit Management sometime in XX/XX/XXXX.
A payment plan was agreed to by XXXX XXXX XXXX XXXX beginning on XX/XX/XXXX. Payments are acknowledged on XXXX XXXX XXXX XXXX invoices but the collection agency continues its notices to collect.
I advised Credit Management of the payments, provided them with copies of checks showing they were cashed and deposited by XXXX XXXX XXXX XXXX.
Calls to XXXX XXXX XXXX XXXX shuffle me to Credit Management and Credit Management has not acknowledged receipt of payment copies or resolution of collection. Submitted check copies XX/XX/XXXX and XX/XX/XXXX with explanation.
I have requested a statement showing all charges, insurance payments and my payments to XXXX XXXX XXXX XXXX with no response.
I will continue to make payments until my account is closed but need to know the actual balance via statement and audit of payments.
|
| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the 3rd or 4th time this debt has shown up on my XXXX report since XXXX of 2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit ifXX/XX/XXXXcontinues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak withXX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not me.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I checked my credit report recently and have a delinquent account listed for {$250.00} which is having a negative impact on my credit score.
The creditor is listed as being : XXXX XXXXXXXX XXXX After doing some research of my own I think they are related to or a part of XXXX.
My credit reports indicate that this delinquent account was opened on XX/XX/XXXX I did have cable and internet services with XXXX at one point but I paid off that account sometime around XX/XX/XXXX when I canceled services with XXXX and switched to my current provider XXXX XXXX
I was never contacted about this supposed dept and am trying to get some form of debt verification from XXXX XXXX XXXX. I only became aware of the delinquency when I checked my credit score. If they can provide adequate verification showing that I owe the debt I will make arrangements with them to settle the debt.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Connecticut XXXX
|
| 04/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I received a collection notice in the mail and another violation I found was there was no instructions on the letter on how to dispute the debt. I am giving this company 30 days to provide proper validation NOT verification. The information will be provided in my detailed response below. I asked for proper validation such as contract or some legal contractual obligation that I have to pay that alleged debt. I see their response is if you think this debt is not yours that I should then open up a fraud case. I am demanding that this be ceased and deleted if credit management can not provide competent evidence that I have a legal contractual obligation or an original contract of when the account was opened up.
|
| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of Identity theft/fraud.
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account.
documents submitted to CREDIT MANAGEMENT, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDIT MANAGEMENT, XXXX, XXXX AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.
This account must be removed immediately, as it is in clear violation of the FCRA.
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Last week I picked up my phone and and Credit Management was on the other line informing me of a debt owed, It was for a charge out of Texas ( I live in Michigan ). It was for a charge that was in collections from a XXXX XXXX that was opened online with my name and SS #, I called put in a dispute and opened a file number. Yesterday, I received another call from Credit Management indicating that there was another charge from XXXX XXXX for {$1800.00}. They gave me account numbers, addresses of the residence and I have reported all to the police in TX. I am leery of credit management because how did they get my number if another number was associated on this fraud account? I am dispute of all charges and have put a freeze on my accounts and notified the proper parties of identity fraud. These have not hit my credit report but this company calls me daily. I understand my name is on the dark web and I am trying to secure my credit.
|
| 12/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am aware that I owe the debt, originally to XXXX. On the first call to me by the Debt Collector, Credit Management, LP., I entered into a monthly payment arrangement, making the first payment during this conversation. After that I began receiving phone calls beginning with the usual caveat about the conversation being recorded, etc. Finally I had had enough and I told the caller I was current with my payments and to stop harassing me. Now I am receiving one or two calls a day. My caller ID shows the phone number XXXX and the location " United States ''. If I answer, there is no one there or occasionally I hear voices in the background. My current balance is approximately {$50.00} which I will pay in full when I receive my Social Security payment. The collection agency is Credit Management , LP XXXX XXXX XXXX, XXXX, TX XXXX. I hope my credit is not damaged by this collection company since I am making payments. Thank you.
|
| 08/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX.
|
| 05/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX/XXXX/2016 XXXX XXXX XXXX - XXXX - Hospitalist XXXX XXXX XXXX XXXX, FL XXXX Performed several XXXX test on me, I had XXXX in the XXXX every 5 months or so I 'm to be recheck.
I 'm medical needed with a share of cost, if the test that this hospital did was XXXX XXXX And paid {$120.00} to hospital why is XXXX & Credit Management , LP ( XXXX ) XXXX trying to collect.
Credit Management Informed me that if I did n't pay them XXXX dollars a month, they would report this to credit bureaus.
I informed her that I was XXXX & was living on a fixed income I could pay {$20.00} dollars a month She XXXX hanged the phone up on me, She stated this was my share of cost.
XXXX XXXX XXXX ) XXXX Told me that I gave them the wrong medicaid number, when I had never spoke to these people until XXXX/XXXX/16 I was told that I would have to contact the collection agency.
The collection told me that I had to contact the original creditor.
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was notified to return cable companies equipment. I was told once I return the equipment that my account would be up to date and satisfied. After returning the equipment I was then sent bills that I know was not mines. I received numerous phones calls and letters and visits from the cable company that was at unreasonable times and felt very intimidated by. I repeatedly discussed with representatives about pulling up recent voice recordings because I was told that there would be a voice recording with the day i was told returning the equipment would satisfy the account, If i was lied to, then that is a violation of my consumer rights, which they have done. I am requesting compensation for the harassing phone calls, the debt collection letters and the negative addition added on to my credit report by XXXX, XXXX, and XXXX XXXX. I request compensation and or immediate removal of this negative account on my reports asap.
|
| 08/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX PH : XXXX {$1000.00} and their collection agency Credit Management PH : XXXX {$1100.00} Account : XXXX. This Account was originally closed with the company on XX/XX/XXXX and was paid in full at that time as this phone was not mine and the original owner of the phone had not paid the bill and I shut the services down put a block on my account for them to no longer have access. The bill had been paid in full and suspended. The original start date of the account was XX/XX/XXXX and closed on XX/XX/XXXX. The company continue to charge for services after this date the account was cancelled. They also sent it into a collection agency who has now reported a outstanding amount to all three agencies as well. This is not fair and it is damaging my credit. Please look into this matter and have it corrected please. Your help with this situation would gladly be appreciated. This is not fair to damage my credit like this.
|
| 04/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have an unverified account from CMI. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 11/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine and I received a letter from what I think is a legitimate debt collection agency.
The company that sent the debt to collections is not a real company and the debt is not real.
If you look on XXXX reviews, over XXXX people have submitted reviews that this is fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This " company '' is fraudulently attempting to scam people by telling them they owe a debt that they do not owe.
I have never heard of this company, it's not on my credit report ( yet ) and I do not have a previous bill from them. I checked online and they claim to run diagnostic imaging. I have not had any diagnostic imaging in over 2 years and my insurance company has not received a claim.
They claim this debt is from less than 30 days ago and according to the letter to me the service was rendered XXXX days before it was sent to collections.
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My credit report shows that I have a collection fr om Credit Management rep resenting XXXX XXXX XXXX . Account opened XXXX XXXX balance {$180.00} I have not had a cable service since XXXX .I m oved to California in XXXX XXXX . I just ordered cable service last month for the first time since XXXX . Not XXXX XXXX XXXX . My cable account was closed and paid in full over and cable box was turned in seven yea rs ago with XXXX XXXX XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used XXXX XXXX XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened XXXX XXXX . I cant have a debt from XXXX XXXX XXXX XXXX on report that is o ver seven years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi I am Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
|
| 12/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX, 2015 I was contacted via phone by a representative of Credit Management is regards to an unknown debt. I advised the telephone rep that I was unaware of the debt and asked that Credit Management send me verification of the debt and not contact me via phone as it was not convenient for me. The telephone call was the first and only contact to me by Credit Management. I was never sent anything in the mail as required by law with my right to dispute. I mailed a written request for validation on XXXX/XXXX/2015 ( sent certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ). Within a few days Credit Management then start reporting the account on my credit report.The dispute letter was delivered on XXXX/XXXX/2015. To date I have not received a timely response from Credit Management regarding this debt nor have I received an initial correspondence indicating my right to dispute as required by law.
|
| 05/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This creditor which was hired by XXXX was paid off in full. Myself and the company had a verbal agreement " if I continue to make payment the collection item will not be reported to the credit bureau. The account is now paid off and the company has reported it to all three credit bureaus. I paid the account off in full. Now the company is refusing to remove it from my report and saying I owe them {$110.00} which was paid off in full. I have spoken to a number of representatives each time the phone is hung up or I am transferring to full voicemail. I am requesting for this amount to get removed from my credit report and to stop falsely getting accused of owing money that I do not owe. The company is a SCAM. The last two payment of {$50.00} was paid on XX/XX/2022, and XX/XX/2022, as shown on the attempt. The company accused me of not paying the remaining balance of {$100.00}. and charged a late fee of {$10.00}
|
| 03/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus.
I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.
|
| 04/27/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company includes XXXX and CREDIT MANAGEMENT, I was living in XXXX XXXX XXXX mi with XXXX services. I called many times to complain about internet not working on area after a few months I canceled my internet due to lack of connectivity the XXXX representative wouldnt even work with me but was extremely rude and she said theres nothing that I can do its just going to go to collections I said why would I pay for service that I can not use? she said that is not my problem. I mailed back XXXX and didnt get any notice after that of me owing. Until it was in my credit report. Also if you look at the months from the time I started service and the first collections date is inaccurate how would I go into collections the month after I had service turned on? As for credit management the amount of phone calls and the way they speak to people is wrong you can not shame me into paying for something I do not owe
|
| 08/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Wednesday XX/XX/2023, I got an email saying I have a major inquiry on my credit report, I open my bank app to see and my credit score has went down by XXXX points, the company name was CREDIT MANAGEMENT LP, I had do idea what this was all about, I tried calling them and asked why did my score just went down so much I dont even know you guys, they said because of not making a payment on a XXXX XXXX, I was so confused, I dont even have anything XXXX, I didnt recognize that at all, apparently I owed them {$100.00}, so I made the payment, I didnt know what to do, Im already struggling a lot financially ever since my dad abandoned me, I dont even have a place, and now he messed me up with this, they told me my previous address where I used to live with my dad so my guess is he used my information for maybe the internet bill without even telling me, I had absolutely no idea I was even on something like that.
|
| 02/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called the company and told them I did not know what the debt was for. They said it was for XXXX. I called XXXX and they said it was that I never returned a Router or modem and that I owed them money, the money owed was over {$50.00} and I paid them by credit card. ( I did not have their item i'm being charged for and it was taken by one of their technicians after working at my house. I told them again this debt was disputed and they had forgiven the debt already. This whole situation is suspicious because the debt was supposedly incurred over 4 years ago. ) However, I found out the debt was put into collection recently and took care of it with the company.
I told the collection agency and they have not removed this after it has been on my credit since XXXX. There is no notification that this debt was paid on my credit report either. They reported this to all my credit falsely with a false number.
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
|
| 08/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had XXXX XXXX at end of XXXX and no insurance at XXXX in XXXX Texas. Filed with hospital for indigent care. I did receive several bills but was waiting on local hospital and had been in contact several times with hospital representatives. As i also have documented. I was told i would receive indigent care but would owe drs. So i have just started paying and making payments on large bills. Last month in XXXX i paid on 2 bills outside of hospital. On XXXX i called hospital to make pmt and was told i owed hospital XXXX. I had not even seen a bill from the hospital for this {$3000.00}. So much for indigent care. So I made a payment to hospital and towards surgeon on XX/XX/23. So i am doing all i can but they continue to harrass me. The day after I made the payments. I have blocked these numbers but calls are unrelenting. I would appreciate any help in resolving this issue. Thank you, XXXX XXXX
|
| 11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Received a call from Credit Management LP stating that a letter was sent to me to collect on a debt XXXX. I explained that the account was opened fraudulently. I investigated the bill further and became aware that the bill was created at another address in which I do n't reside and was connected to a number XXXX that does n't belong to me. They may have skiptrace to get my number to start harassing me about the debt and claiming they spoke to me when in fact they did n't. I informed the rep that called to not put this on my credit report and that the conversation being recorded states such and that I will take action against them for any damages that occur from this said debt. I will need a copy of a signed contract agreeing to ownership and responsibility to pay this debt. Without proper validation of this debt the reporting and collection tactics are a violation of the FCRA and the FDCPA.
|
| 12/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
False debt collection / credit agent scam / threat to have my personal information I received debt collection from this company ( " credit management LP '' XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) that I own XXXX communication bills. I called XXXX to check if I actually own any bills but apparently NO. I called this credit agency to ask for this debt collection information and they keep threating me to give them my identify information and I refused. After contact the XXXX and they told me no debt was found under my name, I realized this credit agency is a scam. And there are many victims had the similar experience under this company 's XXXX review. Now this debt collection has showed on my credit report and affected my score. Please help to contact them, this is not OK to put false collection and keep threating me to give out my personal information. Need this collection to be removed.
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX called and did not identify her title or business.
She went on to ask me for personal information regarding my address and other identifying information. I stopped her and asked who she was and with whom she was employed by. She spurted out Credit Management and then went right back into asking me personal questions. I stopped her again and asked what kind of business she was calling in reference to. She refused to answer until I confirmed sensitive information. By this time I Googled this company and discovered it was a collections or lawyer looking for debt reconciliations. I told XXXX that she should have identified herself by title and her business name before asking sensitive information. She said that was not required by collections companies to collect debts. She then proceeded to tell me that since I won't give her my personal information that she will hang up. She hung up.
|
| 10/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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Credit management company has called multiple times in the past 3 weeks alleging that I owe money ( apprx. {$300.00} XXXX to XXXX. When I inform them that I do not have a XXXX account they ask me for the last XXXX of my soc. # to 'verify the account '. I refused and said you give me the last XXXX digits, and I will tell you if you have the right person. They said they could n't do that. They said well perhaps it 's identity theft and we need to verify that. They said have you ever lived on XXXX, and I told them no. I told them I would run a credit report to see if I had any fraudulent information and to stop calling me or I would inform the attorney general of Michigan. They have called back 3 more times, and I have put a block on my phone for their number. I ran XXXX credit reports and there is no XXXX account or any other suspicious activity. The number they are calling from is XXXX.
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| 09/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company is reporting inaccurate information on my credit report this debt is not mine. I never received anything in writing proving ownership of this debt .And I have never signed any contract with this company. I believe this account is a result of identity theft because the other credit agencies have already removed this fraudulent account from my credit profile. This company has already removed this information on a separate occasion now they are reporting it back on my credit profile. The information they are reporting is inaccurate and unfair. It states I opened an account with them XX/XX/21 I never opened an account with this company and this is a violation of federal law 15 U.S code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. ( 1 ) ( The banking system is dependent upon fair and accurate credit reporting ).
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| 05/02/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On XX/XX/XXXX, received from a debt collector that I owed {$1200.00} to XXXX XXXX my credit score dropped over 200 points. When I call the Credit Management ( XXXX ) they said I had to call XXXX who instructed me to fill over 10 pages they would not give any information. Then I was told to call their Fraud Department XXXX where there was a difficult language issue. Finally, if I could prove who I was they would work me. They send me to send a picture ID or State Id.
My Question is since my Credit report is frozen how did XXXX allow someone to open an Account in my name. I was a victim of ID theft in the year XXXX.
On XX/XX/XXXX, I receive from XXXX sincerely apologizes for any inconvenience this the matter caused me. My question how do I know this will not happen again in the future and can I trust XXXX when my personal information. I think they should provide solutions
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| 05/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX, a company I have not had an account with for over 10 years, but my partner had an account, even though I took my name and information off the account years ago, they charged me a box fee which was returned with a receipt to prove it. They sent to collections, I disputed spoke to the company they said theyd take the charge off and the collections, then they charged me again and sent to collections again. I filed a report with the FCC and there was an investigation, they took the charges off but the collections company keeps flagging my credit with a {$0.00} amount every other week. I have 5 collections claims on my credit right now from these two companies. Spoken multiple times with credit management LP and no one seems to know how to fix it instead they keep asking me to pay THE OLD DEBT THAT SINCE SAYS {$0.00} theyve sent {$0.00} to collections 3 times.
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| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.
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| 04/09/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company has called me 7 times since XX/XX/XXXX, most recently today at XXXX. Each time they ask if they " have the pleasure of speaking with the owner of such and such company '' I do not own the company, not associated with it, never heard of it. Each time I have told them they have a wrong number and to remove me from their list, not to call again. They continue to call. I have gotten more aggressive on these latest calls letting them know that this is now harassment and they are breaking spam laws. Told them I would report this to the FCC or whoever handles it, and this is one attempt to do so. The company is here : The Offices of Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX They are calling me from various phone numbers starting XXXX # # # # I can not get them to stop and I want them punished for violating my rights.
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| 04/09/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was sent a letter from Credit Management , LP dated XX/XX/XXXX. This was a letter stating I owe XXXX XXXX ( XXXX ) {XXXX} from XXXX. This is a 5 year old debt they trying to collect on. My state limitation is 3 years. I responded to this letter on XX/XX/XXXX with a validation letter that I mailed to them via Certified U.S. Postal Service. They received this letter from me on XX/XX/XXXX. There was no response from them to valid this debt. I followed up with another validation letter mailed via Certified U.S. Postal Service on XX/XX/XXXX. They received this on XX/XX/XXXX. I received notification from a credit monitoring app that I had a new collection on my report. They placed this debt on my credit without them validating this debt or sending me anything to prove this was my debt. The FCRA gives companies 30 days to respond and as of today I have no received anything.
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| 07/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently sent a cease and desist on XX/XX/2021 to CREDIT MANAGEMENT LP regarding an alleged obligation that I do not owe that they falsely reported on my consumer report. This is the second time that CREDIT MANAGEMENT LP is falsely reporting a debt that I do not owe and does not belong to me on my consumer credit report. As the result of CREDIT MANAGEMENT LP falsely reporting on my consumer credit report, CREDIT MANAGEMENT LP failed to follow 15 USC 1592c ( a ) and committed an individual action against me because CREDIT MANAGEMENT LP did not get my prior written consent to communicated with me the consumer with connection of a debt. CREDIT MANAGEMENT LP also failed to follow 15 USC 1592g as CREDIT MANAGEMENT LP failed to provide me a written notice containing the five requirements under the subchapter of 15 USC 1692g Within five days after the initial communication.
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| 07/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT MANAGEMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
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| 09/29/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/20 I received a phone call from an agent from credit management lp. I called them back and was speaking with an agent. The agent started the call off by saying that I NEED to make payment or this WOULD be reported to the national credit bureaus. I asked a few clarifying questions in regards to the statement the agent was making. I felt very cornered and mislead by being told that I needed to make payment. The agent never asked if I had any questions or if I was disputing the account, which I am. The agent became angry and informed me she did not say that which was not correct. And then she proceeds to hang up on me. I felt abused by this call and that she was using tactics to force me into making a payment. I felt her statements were very misleading and false and felt she was being very abusive. And then to hang up on me. The call was very unprofessional.
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| 07/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted Credit Management LP several times to remove this debt. It has affected me in many ways since it has been reported to my credit. All Credit Management LP says is that the debt is " verified '' by the company with no actual physical proof, no affidavit, no contract, nothing with my signature, literally nothing. They do not even have my name right in the letters they've sent. I have demanded deletions several times because they have not complied with the law and have not sent any proof with my name and signature. In the last letter I sent to Credit Management LP, they referred to my numerous attempts to validate this debt as a " frivolous dispute '' when I am fully within my right to ask for verification under the FCRA. I have been trying to get rid of this mark on my credit report for a long amount of time and would like it finally removed.
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| 05/02/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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on XX/XX/XXXX XXXX XXXX XXXX had over charged me for the high speed wifi internet service and TV services that they had already cut off in the amount of {$780.00} and has sent it to a credit debt collector and the Name of the debt collector is credit management LP file number and date is XXXX XX/XX/XXXX and i had returned there aqminte router and moutom XX/XX/XXXX and i told them that i say with my mom and that she is not working and is on social security and has a mortgage to pay every month and gas and light and water bill to pay and i am unemployed right now and in the future or until i find some how well get me employed and most of i can't afford to pay {$780.00} or what not or no money at all right or in the future because of that so can someone in consumer finance.gov help me with this case or what not as soon as possible it is important thank you
|
| 05/12/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
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| 05/29/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
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| 03/16/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy.
They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable.
An identity theft affidavit and police report will be filed.
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I received a letter from Credit Management on XX/XX/XXXX about a bill for {$180.00}. In that letter it states to dispute or respond in writing by XX/XX/XXXX which I did. I sent a certified letter # XXXX on XX/XX/XXXX and estimated delivery date was XX/XX/XXXX. Today XX/XX/XXXX I get a notification that it has been put on my credit. I called and the rep acknowledged that they received the letter and sent a response on XX/XX/XXXX and I have not received no letter. Not only have I not received the letter but they did not even give it a week before putting it on my credit report. All I wanted from them was to verify this was my debt and I could have paid this in full. They gave me no tie to receive the letter and if I did there was no time to respond. I do not think this was handled correctly and I would really like this reviewed.
Thank you!
XXXX XXXX
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| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I have a general complaint about my credit score. I pay 100 % of my bills on time, I have improved my credit utilization by 20 % and my score only increased 2 points. I have a new collection steaming from a cable bill that it is incorrect and it caused my score to drop 10 points. It is so hard for my score to increase but very easy for it to drop.
I think debt collectors should have to give you more opportunities to address issues before the report to credit bureaus and create a 7 year stain on your report without hearing your side of the story.
I fulfilled the billing cycle, scheduled disconnection. Returned equipment and was told I had a {$0.00}, later billed then turned over to collection all in 4 months from service disconnection. The original debt with XXXX is still on their account and also with a collection agency and none of it is accurate
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| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX**** ... CREDIT MGMT ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX claims that I never paid my last bill and did not return the equipment. I have a recorded phone conversation that would prove otherwise as well as an equipment return receipt from XXXX. This matter was previously disputed and settled in my favor. After one credit collections agency dropped the account, XXXX proceeded to fraudulently, and against federal regulations open a second credit collections account with a different agency. I owe them nothing and my credit has been damaged for over a year, not to mention the hours of time spent having to deal with this that I would normally be paid {$40.00} any hour for ( Im considering suing for emotional distress, harassment and cost of time delegated to correcting the issue ) due to derogatory remarks on my account. They should be held legally accountable and I feel repercussions should be mandatory.
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| 11/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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I had a collection show up on my credit reports that I was unaware of. I contacted the original creditor XXXX XXXX XXXX, paid the amount owed, but disputed the amount at the same. They took payment, and opened an investigation into the matter. I disputed the collection with all 3 bureaus as not valid. The account was removed from both XXXX and XXXX. The original creditor found in it's investigation that I was not liable for the {$59.00} and refunded to me. They also said they would contact the collection agency ( Credit Management ). I disputed again with XXXX as the original dispute did not remove the account, and still showed it as unpaid. I included a copy of the account statement showing a credit balance. The result of this dispute changed the status to PAID. It must be removed now as the original creditor found the collection to be invalid.
|
| 09/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I see that XXXX XXXX sold this alleged debt to a collection agency named CREDIT MANAGEMENT XXXX in the amount of {$600.00} stating that equipment was not turned in to XXXX. I have had an excellent payment history with XXXX XXXX XXXX. I moved from a XXXX house at Address XXXX XXXX XXXX XXXX Georgia XXXX to a XXXX bedroom loft at XXXX XXXX XXXX XXXX GA XXXX. Essentially their worker picked up the original equipment during the transfer. When I moved from XXXX XXXX XXXX XXXX GA XXXX I turned the equipment in via the XXXX representative who services our loft building. They sold debt to collections company called CREDIT MANAGEMENT XXXX who will not remove this inaccurate information off my credit file. As a loyal paying consumer it has tarnish my credit and I want it removed off my credit file immediately because its fraudulent information.
|
| 12/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup.
In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX.
In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!
|
| 03/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have an open collection account on my credit report for a XXXX account that I have never been past due on and is still open and active. I contacted XXXX several times to confirm this and offered additional payment. I have not received an invoice or any itemized list of what this amount includes after submitting a dispute. I tried contacting the collection agency, Credit Management, to pay this balance so that this can be removed from my credit report as it is negatively impacting my ability to rent an apartment. They refuse to accept payment or do anything with this account so I'm not sure why this is being reported, what it is being reported for, and who I need to pay to settle the account and have this debt removed from my credit report so that I can participate in society by renting an apartment instead of living in my car.
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I noticed a collection account open on my XXXX report. The collection agency, Credit Management, reported that I owed {$460.00} to a defaulted account with XXXX XXXX. On XX/XX/XXXX, I reached out to Credit Management to inquire about this account that I had no idea about. I spoke with a gentleman by the name of XXXX at XXXX in regard to this account and he was unable to look up any information about this collection account on my XXXX report using all my personal information. At XXXX on XX/XX/XXXX, I called XXXX and spoke with a gentleman by the name of XXXX XXXX I informed him that this collection account was not mine and he directed me to this site.
Side Note : The information on my XXXX report was very limited, and even when I gave the gentleman from Credit Management my personal information, nothing came up.
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| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I received an alert on my credit report this morning for owing {$60.00} to XXXX. I never had XXXX, nor never lived in an area that offered XXXX. I called XXXX and told them that. I ask did the person who opened the account present any physical forms of ID, besides a stolen social security number? My concerns is how can someone open an account in my name, without presenting a physical ID to XXXX? All of my bills are current, and if I had an account with XXXX, it would be current too. I have bigger fish to fry than to slight XXXX out of {$60.00}. I refuse to pay it, because it's not mine. I actually would like XXXX to compensate me something for allowing person to open an account in my name without verifying ID. I'm in the middle of purchasing a home, and if this false information hinders that, I will seek further legal actions.
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
CREDIT MANAGEMENT LP repeatedly calls asking for my personal information. I'm not going to give or verify my personal information to a stranger. I have repeatedly told them to stop calling me. I have never opened an account with this company. This company reports in a legend that I owe a total of {$1.00}, XXXX for XXXX separate accounts ( $ XXXX ). Email the last representative I spoke to, I asked him why do I need to verify information if I don't even know who he is and why he's asking for the information. He never disclosed the reason for the car. He only stated that's what she says her world fell apart the company name and then asked me to verify my address. Subsequently, my credit score has dropped significantly. I don't want my address shared with CREDIT MANAGEMENT LP. There was no address/email to link to this company.
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.
|
| 03/02/2016 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
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|
I would like to enter a complaint against Credit Management L.P. They changed the billing name from Credit Management to XXXX ( Formally XXXX ) on XXXX XXXX refuses to remove the bill despite being paid in full Ref. # XXXX claim they have not been notified by Credit Management L.P. ( In their defense Credit Management L.P. did notify XXXX and XXXX. Both company 's removed the erroneous bill ) I complained about XXXX and got no where. I called a attorney and was advised to refile my complaint against the original billing company, that would be Credit Management L.P. YOU have my full permission to contact XXXX to verify XXXX changed the billing company name after they where notified to remove it however, Credit Management L.P. is the reporting agency that is why this complaint is against them on behalf of XXXX their Client!!
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 11/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt.
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt is from XXXX I closed the acct due to a move In XXXX I called them to return the equipment. They sent me a XXXX label I returned the equipment via the XXXX store on XXXX XXXX in XXXX I've tried to contact XXXX cable company several times over the last couple of years about the amount they are reporting on my credit reports The amount is incorrect and all equipment was returned via XXXX in XXXX. They still have not changed the amount owed {$1300.00} which is causing an issue on my credit reporting. I've even disputed with the credit reporting agency with no assistants. I should only be charged for one month of service with XXXX.
I've contacted XXXX several times for them to notify me that my account is un-locatable or they can not pull the XXXX information or as recent as yesterday I'm not in there system.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Today, I am writing this complaint to CREDIT MANAGEMENT LP regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CREDIT MANAGEMENT would verify the debt. So I took it upon myself to ask CREDIT MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I received an alert via email through my credit monitoring company that there was a debt collection from a company in Texas. On XX/XX/XXXX, I called my credit monitoring company and the representative told me it was from an internet company. It stated that I had a balance of {$450.00} that was yet to be paid. The alert reported that I had " opened '' an account with the company on XX/XX/XXXX. My credit monitoring company, XXXX, stated these collection agency accounts can negatively impact my credit and can remain for 7 years. I looked up the company called, CREDIT MANAGEMENT L.P, and looked at the reviews for the company. It seems that this is a consistent problem with Credit Management L.P with other people stating that they have been sent false debt collections for a service they have never used.
|
| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I pulled my credit report to go over all of my open and closed account details. I noticed a collection account with a balance {$350.00} being reported as opened on XX/XX/XXXX from an agency called Credit Management LP with the originator account listed as XXXX XXXX. I have never had any account nor signed contract with Credit Management LP, yet they are negatively listing items on my credit report without my knowledge or consent. Therefore, I would like to have this negative item removed from my credit report as it is defamation of character and against the regulations set forth by the FCRA. Unless Credit Management LP is able to produce a signed contract between myself and their company this derogatory account needs to be removed immediately and not allowed to be reinserted onto my credit report.
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Managment LP which is a violation of FDCPA. Credit Managment LP has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Managment LP, nor any party that Credit Managment LP claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Managment LP remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
|
| 05/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received three separate " collection '' letters from the is company with the same account number with three different balances owed all dated the same day.
They claim they are attempting to collect a debt on behalf of the XXXX but I do not have an account with the XXXX.
I have toll tag account with XXXX and am charged for all my toll fees through it. I have had the XXXX account since I registered my car in XX/XX/2018.
I contacted them to dispute the debt and they told me to contact XXXX to find out why they have bad information.
It is not my responsibility to figure out why this company is illegally collecting on a debt.
Sending the three letters on the same day with different amounts is a very clear violation of UDAAP on top of the violation of not validating the debt as required by federal law.
|
| 08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I called CREDIT MANAGEMENT on XX/XX/2022 regarding the negative collection reporting on my credit report. Told the representative that the original creditor XXXX had reached out to me earlier in the year and a supervisor told me that there was no contract but only policy. I told the supervisor that that made no sense. I called them a couple weeks later and the representative seemed like she was about to send a contract to me but said there was none. Now when I contacted Credit Management, the representative said I need to provide a credit card number in order to dispute the collection. I told him that did not make sense. He said he understands but that is how they do business. So that's why I am filing this complaint. I have tried with XXXX to understand this bill and have also tried with this debt collector
|
| 04/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recieved phone call from company called credit management on XX/XX/XXXX about a XXXX past due cable bill from XXXX. I have never received any notification on the mail about alleged debt or anything. This is the 3rd collection agency that has contacted me since XXXX. XXXX XXXX complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address
|
| 06/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have been with XXXX for 12 months at my previous address. Upon my move I 've returned all the XXXX equipment. I 've also had Home Security. I purchased a new home and XXXX does not service in the new location. So I 'm forced to find a new provider. XXXX has now charged my account {$800.00}. Stating that I am in violation of their 3 year contract. I spoke to a rep on XXXX and she assured me that the issue would be taken care of. I then called today XXXX to follow up and I was told by XXXX XXXX ( XXXX ) that she could not remove the {$800.00} charge from my account. I also received a letter from Credit Management LP and the debt has been placed for collection. I have been a loyal customer for over 10 years and I find this quite threatening that XXXX would treat their loyal customers with such disrespect.
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good Afternoon, I need help! I'm not sure who else to talk to about this. I was just looking at my Credit Report today I noticed a collection account from a company named Credit Management LP for {$320.00} on behalf XXXX. I called Credit Management LP XXXX and spoke with a nice lady XXXX Employee ID XXXX and when she took down my personal information she said that the alleged debt doesn't belong to me. She said that with the SSN i gave her it belongs to someone by the name of XXXX XXXX XXXX that lives in XXXX XXXX XXXX MA XXXX. Never lived or know that person! She said that she will file a fraud dispute and get this removed out of my credit. I just want to make sure that this fraud account is removed from my file because it's hindering my chance of getting approved. It dropped my score over 50 points.
|
| 11/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit Management LP has entered a negative ( collection item ) into my credit file with the main 3 credit bureaus for a debt that I do not owe. This negative entry has caused a major decline in my credit scores for each bureau.
I requested validation of debt from Credit Management LP ( letter attached ) and as of today 's date, I have not received any form of validation from this company. I have attached a copy of the validation request letter that I sent to Credit Management LP, via certified mail.
Rather than validate the debt and communicate what is required of me to assist with clearing up their records, this company entered negative and damaging information into my credit file. Validation of debt was requested because I know that all monies owed to XXXX XXXX were paid directly to XXXX XXXX.
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT MGMT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 02/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It was result of identity theft.
Credit Mgmt LP - Opened XX/XX/XXXX, 2019- {$200.00} Original creditor : XXXX XXXX The last 2 address where I lived in the last two years not even was serviceable by XXXX XXXX. I called Credit Management LP, XXXX and XXXX mobile. All companies were not able to find anything under my name in the last 2 addresses where I lived. I have never delayed a single credit card and utility bill payment in my life. I was certainly a victim of identity theft. Please XXXX Credit Management LP and verify their reputation. They are known for scam people who have good credit scores. I feel myself with my hands tied. I have no information on this account.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am complaining about a debt Held by Credit Management LP and originally credited by XXXX in XXXX, IL. I moved from XXXX in 2019, XXXX, and my ex girlfriend who i was moving away from had agreed to take our XXXX cable equipment to XXXX for drop off, she said she did this, and I had a picture of it on an old phone but I know it was dropped off. I have disputed this charge for years now and they keep saying it was accurate. I DO NOT OWE THIS MONEY TO XXXX, {$210.00} FOR EQUIPMENT THEY RECIEVED. i NEED THIS OFF OF MY XXXX AND XXXX REPORTS.
THEY CAN NOT CHARGE ME FOR SOMETHING i GAVE BACK TO THEM. AND DID SO UNDER CONTRACT OF " LEASED EQUIPMENT ''. what they are doing is hurting my credit on purpose and refuse to release XXXX for equipment and services they got back after account cancelation.
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am formally asking Credit Management LP to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave Credit Management LP permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
|
| 01/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a call from Credit Management stating I owed {$77.00} to XXXX. I said this was not possible, I have an account with XXXX right now in good standing. Lady on the phone said she will XXXX debt as disputed. Move forward to today and I get a notification theyve placed a collection account on my credit report for {$77.00}! I have not received any debt validation letter or proof that this is even my debt. I call Credit Management and they sent me a letter on XX/XX/20, I say GREAT, I have the post office scan all my incoming mail to me via email and can prove I did not receive a letter. Credit Management says on the phone thats not our problem. I tell them they can not report this on my credit without having sent me debt validation. They say thats not true and you should know better.
|
| 11/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
credit management is collecting for XXXX XXXX company, back in XXXX my personal information was stolen, i left XXXX with a XXXX balance, however i believe after i moved out that some was still using my cable service in my name, see attachment i filed a police report with identity theft ...
XXXX XXXX credit card, i have closed that account and paid it off, its a a XXXX balance uplift, i was never late, this website had system issues, and virus issues, the company software was defected preventing me from paying with my personal checking account, and the company would not take my credit card pmt as well, to my understanding i thought i was current and update, i was shocked when i found out that my pmts was being rejected, when i found out i instantly paid and brought current
|
| 11/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am a senior citizen Fraud identity theft victim where my name adress social security number was stolen used to create fraud account with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX notified there collectiobs agency Credit Management L.P. Whom Harrased me for {$1400.00} If which I do Not owe XXXX XXXX since. My identity was stolen used to open create a FRAUD Account with XXXX there Harrasing me of a innocent senior of ID Theft is uncalled for I have been Harrased as a victim by credit Management L.P whom told me this was a FEAUD Account on XX/XX/2020 finally received a letter from. Credit Management LP awknowledgung I am not responsible of {$1400.00} as this was s Fraud account dated XX/XX/2020 closing account & not reporting it to the credit bureau
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I just received notice that Credit Management LP ( Collection Agency ) has been added to my report report and it has damage my credit rating. In reviewing the information on all three credit report, I discover that Credit Management LP is allegeing that I owe {$450.00} to XXXX XXXX - XXXX.
Back On XX/XX/2020. I had submitted a request to CFPD in regards to this matter. CFPB reference no : XXXX. It was determined that the information was unable to be validated and the it would had been removed from my credit report. I checked my Credit report in XXXX and the information was removed.
Credit Managment LP is trying to collect an account that has already been disputed.
I really need the help of the CFPB, Credit Management LP is re-polluting the information on my credit report.
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a notice from my credit monitoring service that there was negative action on my report ( s ).
A company known as Credit Management , LP with an address of : Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on report ). In the amount of {$350.00} XXXX XXXX. # XXXX Opened XXXX Reported Closed XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME.
Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them.
The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of XXXX )
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I contacted CREDIT MANAGEMENT on XX/XX/2022. I told them that this debt was not mine. They would not investigate. They stated I had to call XXXX in order to get the collection removed. I do not live in the city this debt occured in and never have. I have proof of where I have been living for the last 6 years in the form of utility bills in my name. They were not even interested in seeing them. This has lowered my XXXX XXXX by XXXX points. the account number is XXXX. I am uploading the untility bills for the dates in questions. I also have an address in North Carolina. Thus the license for there.
I have also contacted XXXX XXXX and submitted a fraud package. They say it will take an additional 30 days to investigate and XXXX to XXXX to report it to the collection agency.
|
| 09/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi and good evening - I'm a XXXX years old woman and I been constantly on the phone with XXXX and collections company for the last several weeks. I was looking through my credit couple of weeks back with my family lawyers, and noticed that XXXX company reported an old account that i had returned the equipment back with the balance of {$170.00}. After several attempt to try to resolve this and explaining to them that I had previously paid it, and I just simply went ahead at the local office and paid them off as you can see on the attachment. I talked to the representatives there and on the phone and they said that as long i paid that balance of {$170.00} they will remove it permanently from my credit report. But it continues to appear on my credit report with the balance.
|
| 10/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX Credit Managment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of first Delinquency : XX/XX/XXXX Contact : Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description : This account does not exist in their database. I was on the phone with them for approximately 30 minutes Thursday XXXX ( XX/XX/XXXX ) to figure out what this debt is and who is belongs to. The rep and supervisor took all of my information down can could not locate it anywhere in their system. This does not belong to me ( and it doesn't look like it exists ) and needs to be removed from my credit history as soon as possible. My contact number is XXXX. Thank you.
Kind Regards, XXXX XXXX
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do hereby request that this office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I do not know of this debt Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent CREDIT MAMAGEMENT COMPANY {$160.00}
|
| 02/01/2019 |
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
|
|
Web |
|
|
Credit management reported XX/XX/2019 this is in dispute I received your alleged statment onXX/XX/XXXX by us mail. where I disputed this on the same day I received it You then reported to the CRA 's on the XX/XX/2019 before that I NEVER received any documents from you. enclosed is a affidavit of fact I request that you respond to the Questions. you are in violation of FDCPA, And FCRA regulations. Olease not section 73 American Jurisprudence { Am Jur } 2nd
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- Contacted before 8am or after 9pm
|
|
Web |
Servicemember |
|
I do not owe this debt. This appears to be a debt collection for the XXXX XXXX XXXX XXXX [ XXXX ].
* I have called the XXXX and confirmed with the XXXX that I have never owed them money. I confirmed this on XX/XX/2023.
* XXXX has also confirmed that the do not know who this collection company is.
* Additionally, I do not live in, commute on, or visit any area in the XXXX districts. I live in California.
I receive the following message on a regular basis via SMS : This is Credit Management on behalf of XXXX. Please call XXXX or visit https XXXX XXXX We are a debt collector.
I have received these messages at the following times : XXXX XX/XX/XXXX, XXXX AM XXXX XX/XX/XXXX, XXXX AM XXXX XX/XX/XXXX, XXXX AM XXXX XX/XX/XXXX, XXXX AM XXXX XX/XX/XXXX, XXXX AM
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I REFUSE TO PAY THIS ALLEGED DEBT RENT TOOK ALL OF MY MONEY AND I SENT THE REST TO MY MOTHER IN JAIL.
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1.Account Name : CREDIT MANAGEMENT LP Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in the process of building my credit to purchase a new home in the midst of the pandemic as a single mother. I have been working deligently on my credit for months and was highly upset to wake up this morning to see that this company has flagged my credit bureau accounts ( XXXX, XXXX, and XXXX ) as having an account in collections which has resulted in a 90pt drop to my credit scores! I have never done business with this company and have no knowledge of the account they are accusing me of having or company they are allegedly collecting on behalf of. I haven't received any correspondence ( be it email, mail, phone calls ) about said account and am highly upset that this has been unfairly placed on my credit report. This type of predatory behavior HAS TO STOP!
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/, at XXXX XXXX XXXX I returned a call to Credit Management phone number XXXX in which I was informed that she was attempting to collect a debt for Spectrum in the amount of XXXX and some change for an address I told her that I never lived at. The representative 's name was XXXX XXXX, asked her to provide Verification of debt as per fdcpa I have the right to request any paper trail on this debt in which she denied to do so and told me that because it is fraud that she can not mail me anything. i requested a manager or supervisor in which I then was placed on hold and never transferred per my request. I then was directed to the website to fill out a form to " cease communication '' but that still doesn't allow me to request any paperwork on this matter.
|
| 01/24/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I am inquiring about the credit account that the accounts that you purchased. I did not give any consent to have my account bought by anyone.
This is illegal for you to purchase the account and then try to come after me for the amount.
Are you familiar with something called U.S.C. Sec ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX XXXX right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this XXXX said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. {$240.00} Open balance XXXX XXXX XXXX Original creditor
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
POA is attached with this complaint. Credit Management LP has ruined my reputation by way of reporting false and misleading statements that hinder my ability to obtain personal goods and services for my household needs. Credit management never had a binding contract with my person.
Thier must be mutual assent and valid consideration for a contract to be binding. I need a certified copy from the Secretary of State signed and sealed stating Credit Management lp has the authority to act on behalf of XXXX XXXX XXXX
I demand a swear statement under penalty of perjury that XXXX XXXX Lawfully owes this debt.
I request that Credit Management Cease and Desist all further attempts to collect until this matter is addressed point by point in the notice given below.
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I recently pulled my credit reports and discovered that I had a collection on there from Credit Management LP and the date the debt was assigned was XX/XX/2017. On the report it states that I had an original balance of {$80.00} and that my current balance was {$0.00}. After doing some research on what and where this debt could have came from, I discovered that it was from when I stayed in an apartment where cable was provided. I turned in all the equipment that was issued to me and now I am wondering why is this particular debt on ALL three of my credit reports. I did not have any knowledge of this debt and it is not fair for this to be reporting negative on my reports hindering me. If I do not owe anything then why are they reporting negative against me.
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| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a bill in the mail addressed to my husband from Credit Management. L.P. They sent a very detailed, real looking bill attempting to collect a debt from XXXX for the amount of {$59.00}. They provided a date ; XX/XX/2021. My husband logged onto our XXXX account ; all bill have been paid, and payment is on autopay. When I XXXX this company, the reviews came back that they are a fraudulent company that attempts to collect false debts. They have not contacted me any other way yet, but reviews said that they will call asking for personal information to close the debt and will make false reports to credit bureaus.
They provided their information as : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone number to pay : XXXX www.creditmanagementoline.com
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| 01/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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CREDIT MANAGEMENT LP Added a collection notice to my XXXX credit report, I have never owed a dime to this company nor charter communications.
I want this to be removed as soon as possible, charter services are not even offered in my zip code, this is preventing me from succeeding on my house mortgage approval and I do not owe them anything.
I called them twice already and they can't give me any information on this account because my information doesn't match the account and yet they are reporting this to the credit bureau which is illegal, how can you report an account to a person that you cant verify this is the second time a collection from XXXX XXXX appears in my credit by different collection agencies.
I have attached the letter from XXXX.
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| 06/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Located this collection on a recent review of my credit report. According to the report Credit Management LLP started reporting in XX/XX/2019. On, or about, XX/XX/2019 I called this company to inquire on the origination of this debt and the amount owing of {$340.00}. The representative indicated this was a past due XXXX bill and that i was notified via mail in early XX/XX/2019. I told the representative that i was unaware of any amounts owing to XXXX and that i received no notification from anyone regarding this collection. I asked for proof mailed to me at the address of record ( which was verified ) of the origin of this debt.
As of this writing, i have received no communication from either Credit Management LLP or XXXX regarding this debt.
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Credit Management LP placed a collection on my credit report and trying to collect money that is not owe. The account in question is from XXXX XXXX ( XXXX ) in the amount of {$79.00}.
I had internet services with XXXX and since moved to a different city where XXXX did not offer services. I contacted XXXX in XX/XX/2021 to cancel my service.
On XX/XX/2021, I went back to return the internet equipment at a local XXXX office and they stated I had to pay for the month of XXXX since the billing cycle had already started even though the service was cancelled in XXXX.
After returning the equipments, the cashier confirmed that I had a XXXX balance.
I have never heard of credit management LP until the collection in my credit report showed up.
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| 08/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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.
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have reached out countless times to Credit Management and advised them that someone not only got an apartment in my name but proceeded to get cable as well. I've advised them that the account is not associated with me. Although the balance does not belong to me, I've tried to come to a settlement to simply get this debt collection off of my credit report. Credit Management will not budge. I proceeded to dispute this with my credit bureaus and was told that Credit Management has accurate information therefore they are unable to remove this collection account from my report. This collection report is making it impossible for me to do what is needed in my household credit wise due to high debt reports. This account does not belong to me.
|
| 08/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I sent out a dispute regarding a {$130.00} around XX/XX/2021 bill with XXXX XXXX. I moved from the XXXX XXXX XXXX XXXX XXXX NC XXXX address and had all my mailed forwarded to XXXX XXXX XXXX XXXX NC XXXX. I called numerous times and was told that this account has been sent back to XXXX XXXX account # XXXX who now has the account and still have not updated the correct address until today. I have know problem paying the bill but XXXX XXXX still shows on my credit file.
Again I never received a bill from XXXX XXXX that I owed any amount and I called today and asked for the account number and told that they can't give me any information on the account just pay the {$130.00}.
Credit management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Credit Management Inc is a 3rd party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Credit Management Inc showing that I owe this company any money nor have I given written permissible purpose for Credit Managment Inc to obtain my personal information and even contact me. Credit Management Inc is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life.
|
| 05/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
IN XXXX OF XXXX, I STARTED RECEIVING CALLS FROM A DEBT COLLECTOR CALLED THE OFFICES OF CREDIT MANAGEMENT , LP. THEY ADVISED THAT I OWED A DEBT XXXX {$140.00} FROM XXXX XXXX XXXX. I HAVE NOT HAD XXXX XXXX XXXX IN ABOUT 4 YEARS. THEY ADVISED THIS WAS A DEBT FROM XX/XX/XXXX. FIRST, I KNOW FOR A FACT THAT THIS INFORMATION IS INCORRECT SO I DISPUTED IT WITH THE DEBT COLLECTOR. SECOND, XXXX XXXX NEVER ONCE IN 4 YEARS, AFTER CANCELLATION, ATTEMPTED TO CONTACT ME AND I HAVE LIVED AT THIS SAME ADDRESS. I ALLEGE THIS IS AN UNFAIR BUSINESS PRACTICE THAT XXXX XXXX PURPOSEFULLY DID NOT NOTIFY ME UNTIL 4 YEARS LATER IN AN ATTEMPT TO MAKE IT MORE DIFFICULT FOR ME TO VERIFY THE DEBT. I KNOW IT'S A SMALL AMOUNT, SO TO WHAT END, I DO NOT KNOW.
|
| 06/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
received notice on my credit report from credit management lp about a debt for {$110.00} for a medical bill, never received a letter from this company nor any information concerning the debt.
informed company that i have complete and full medical coverage via XXXX and XXXX insurance which would cover XXXX percent of any dr.visit, x ray or procedure etc. and that they should call them to discuss whatever debts are owed if any.
dates of XXXX are in error i have not sought any medical attention during that time frame or encored any debt.
they have refused to do so or address this they have refused to produce any information showing this is my debt and have not responded or notified me of said debt or proven debt is mine.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I moved from my house to another last year. Called and canceled services and paid the last month of service. I was unaware I was supposed to go to their store to drop off modem and router, we still have both. After checking my credit I found that XXXX XXXX has hired a company called Credit Management. Credit Management says that I owe them {$400.00}. They are saying that I owe two months of service along with 4 pieces of equipment, 2 routers and 2 modems, I explained that it doesn't even make any since why I would have 2 modems and 2 routers for the same house, and that I only have the one set. They told me that it's what charter says I owe and I can either pay it or not, up to me. This is what they told me over the phone.
|
| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/17 I sent a letter via certified mail to Credit Management , LP. It was received and signed by someone from the company on XX/XX/17. In the letter I was requesting validation of a debt that was listed on my credit report for Acct # XXXX. In the letter I also requested from Credit Management : the agreement from the company they are collecting for showing that authorizes them to collect on this alleged debt, the agreement that bears signature of the alleged debtor wherein promises to pay the creditor. Complete payment history on the account to prove that the debt amount is correct. I have yet to receive a response or documentation verifying the debt from Credit Management , LP since requested over XXXX days ago.
|
| 06/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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On XX/XX/XXXX Credit Management posted a collection on my credit report that I asked for proof of prior to them placing it onto my credit report. I am unaware of this debt of {$930.00} and my research shows that it is out of state. They have not provided any legal documentation that supports that they have the right to collect and that this is a debt of mine such as legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. This company has failed to respond with any information which is against the law and violates my rights. I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state.
This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated.
This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account for some time now with CREDIT MANAGEMENT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 10/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CREDIT MANAGEMENT LP posted XX/XX/2020 amount {$160.00} I reached out by phone right away to try and resolve this many times. I was never given a solid answer on what this was for, who this was for, when it happened or given an option to resolve this. I was transferred around with no resolution. I later had my credit repair company do their rounds of letters. Still no response to anything. We never recived a pone call, letter or anything trying to resolve this issue .No explanation was ever sent or given to explain this debt. This has dropped my credit score and is preventing me from buying a home for my daughter and i. We are now at the point of loosing our home and not being able to buy in time because of this.
|
| 05/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management , LP of XXXX, TX is attempting to collect on a debt that is known to be invalid. The alleged debt originated with XXXX, who has continuously assigned or sold the debt to third party collection agencies since 2012. Every 6-12 months, I receive a notice from a new debt collector attempting to collect the debt.
Each time, I request verification of the debt and, because it is not a valid debt, each time it is returned to XXXX. I submitted a complaint regarding this debt to the CFPB recently when the agency " XXXX XXXX '' was attempting to collect. When I informed XXXX XXXX that the debt was invalid, I instructed them to inform XXXX of the same, which apparently they did not do or XXXX ignored.
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed this creditor on my report last year. Saw that it was for a XXXX bill. XXXX is not on my credit report nor was I notified by them that I had a past due balance. I called XXXX and was told that I didnt owe anything. Then I spoke to someone else from XXXX that said there was a last due but upon returning equipment, the balance changed to XXXX.
I spoke with this company to get the reporting removed from my credit report since I dont owe the balance, no luck. I decided to just pay the balance to get this taken care of being that I'm applying for a house in a couple of months and I cant have this messing up my score. So far, I've sent several letters to negotiate a settlment but have recieved no reply.
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Last year, someone used my social security number to open a XXXX account and then closed it with {$750.00} in unpaid debt. I learned of this in XXXX 2016 through " Credit Management '' - debt collectors who said I needed to settle things with XXXX. My identity theft protection firm and I both did this separately and simultaneously.
Consequently, XXXX confirmed that the account was opened by someone else and that they were removing that debt from my account. Credit Management confirmed the same and promised no further communication regarding this mistaken debt.
Since XXXX, however, I have received incessant phone calls ( 5/week ) and yesterday I received a written invoice to pay Credit Management directly.
|
| 08/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a certified letter on XX/XX/20 tracking number # XXXX recd at agency on XX/XX/20 to the collection agency asking to send : dunning letter with signed proof of receipt., signed contract that I engaged with any service with this company. The company only provided statements again, not proof of any services contracted with the company. They have failed to provide this information that is supposed to be furnished under the Fair Debt Collections Practices act. When nothing was received by the merchant I sent a copy of the letter to the credit reporting agencies with tracking on XX/XX/1920 whom only reached out to the agency and they verified it as accurate when nothing listed above has been provided to me.
|
| 05/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an alert from my bank about negative activity on my credit report. I had already placed a security freeze with all three bureaus after the XXXX data breach, so I was surprised to get this notice. I checked my credit report and saw a new account under collections for Credit Management LP on behalf of XXXX XXXX for {$300.00} past due. I have not used any services from XXXX since I was in college and I never missed any payments then. I did not receive any written notice or phone call from either XXXX or this company about the alleged debt. I called XXXX and they have no current record of me having an account related to this. This debt collection agency seems fraudulent and Ive initiated a dispute.
|
| 10/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have contacted Credit Management on several occasions informing them that I do not owe any debt to XXXX XXXX for {$370.00}, as they are reporting on my credit report. They are refusing to provide written documentation to support this allege debt, and have refuse to remove it from my credit report.
Credit Management is located at XXXX XXXX XXXX XXXX, TX XXXX They are attempting to collect a debt this is NOT MINES, and continuing contacting and requesting payment. They are ruining my excellent credit score and does not appeared concerned that I am being falsely accused.
Please help me hold the debt collector accountable.
XXXX XXXX is the original debtor Acct # XXXX Open XX/XX/2017 {$370.00} Thank you
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I pulled my credit reports on XXXX XXXX , 2017 because I was trying to obtain a mortgage. Then I noticed it stated that I had a collection fro m Credit Management f or XXXX . This was news to me. I disputed it with the credit bureau because I have filed complaints with XXXX before and provided documentation. Further, I contacted Credit Management and although they had a collection for a XXXX XXXX , they did not have one for a XXXX XXXX with a matching social security number. Therefore, I 'm sure why it 's on my credit. The credit bureau conducted it supposed investigation and left it on my credit as verified. I 'm confused because they have no record for a matching social security number.
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODs OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 received an alert on my XXXX Credit Report that alarmed me that I have a collection account from a collection firm name Credit Management LP concerning a unpaid bill from XXXX XXXX XXXX for {$280.00}. in which I have never in my life had any service from XXXX XXXX nor requested any service. This collection company have not made any prior or previous Collection attempts to allow me to dispute these charges and have reported a negative information to the credit bureaus of which is now damaging my credit report. This account is clearly not mine and I don't know how they have gotten my Social Security number or obtained my Identity information. The account number in question is XXXX.
|
| 08/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I checked my credit report and I noticed that there was collection account on my credit report. It is fraudulent and I do not know where it comes from. I contacted the company several times asking for accurate validation to no avail. I need to see signatures I told them and where this account originated from and still nothing yet. I will be contacting the consumer attorney if this issue is not resolved ASAP. Attached is my affidavit of identity theft paperwork that is notarized as well. Credit Management LP has stolen my personal information and placed a collection on my account. According to the FCRA, this item must be removed from all three credit bureaus when resulting from identity theft.
|
| 01/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit report is showing that I owe {$780.00} from XX/XX/XXXX. I never had service with XXXX XXXX at all during that time nor the previous year. Also, they will not validate the debt. It was just thrown on my credit report with no prior notice. I tried to dispute the charge with no success. I contacted XXXX in early XX/XX/XXXX when I got an alert from XXXX that a collection has been added to my account and they instructed me to contact Credit Management LP because they do not have any information but the debt collection agency would not provide any details. Now it keeps reporting every week on my credit report like it is a new debt. My score has dropped from XXXX to a XXXX because of this
|
| 11/16/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Good evening, My name is XXXX XXXX.
This year I was a victim of Identity Theft.
It has put a huge strain on my life and has even led me to being evicted.
I am trying desperately to remove all the fraudulent activities on my credit report.
There is an account in my credit report from your company.
I did not open this account and I have not used any goods connected to this account.
This account is a direct result of IDENTITY THEFT.
I ask you to please remove this account from my credit report and do a thorough investigation.
I have been dealing with this for months and I just want this to be over.
I have attached a PDF with all documents proving my identity.
Please help.
Thank you!
|
| 08/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
These people have contacted me a second time with no line item invoice which will be required.
There was a charity account that they should have been paid out of at XXXX XXXX assuming that this is actually from XXXX XXXX. They were notified and I will attach the letter again.
AT NO TIME DID I VISIT XXXXXXXX XXXX XXXX Everything was done AT THE HOSPITAL Without an accurate invoice and proof of an attempt to collect from the Charity This is a dead issue.
I am sick to death of medical industry thieves trying to collect double and triple fees and threatening me.
Show me that they contac5ted the people that said this was covered.
Again I will state that an itemized invoice is required.
|
| 05/25/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This same alleged debt has been reported at least 5 different times now since I stopped doing business with XXXX in 2017. It took 2 years a 3 disputes for anyone to provide me with itemized details on what I supposedly owed. XXXX originally claimed ( by way of a rep at my door ) I had failed to return equipment which I never had and then eventually changed their story to saying I owed them for service several months after I switched providers and explicitly canceled them.
I believe the constant re-reporting on the same fabricated debt is a blatantly fraudulent attempt to side step time limitations imposed on credit reporting. Stop being XXXX XXXX XXXX, this is why everyone hates you.
|
| 03/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX XXXX is charging me for equipment which was returned. I have spoken to them numerous times about this and they told me in XXXX that this charge was removed from my account. Then, all of a sudden, in XXXX of XXXX it showed up on my credit as being in collections. I called them and was supposed to be transferred to their " recovery dept '' and was left on hold for 36 minutes. I then started a chat session and was also disconnected from that. They have the worst customer service I have ever encountered. I do not owe this and I want it settled once and for all ... not for 2 years and then all of a sudden reappearing on my credit report as a collection account. Very disturbing!!
|
| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I pulled my free annual report as a recommendation from COVID-19 and was surprised to see a collection from Credit Mgmt LP which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid prior to it hitting my credit profile with the bureaus. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notifications regarding the debt. Had I been aware I had option to check the validity of the debt in question, this may have been removed. I would like this collection removed from my credit due to erroneous collection practices.
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company called Credit Management calls me repeatedly, at least 6 times a day. They refuse to tell me who they are or what they want other than a business matter. I have never heard of this company and have never done business with them. I also have never received any correspondence from them other than the phone calls. The first call this morning was before XXXX XXXX. The first few time man they called I tried to ask questions and was told until I verified my name and social they wouldnt answer anything, and they have cussed me and hung up at least twice when I ask questions. I have told them repeatedly that I have no business with them and to stop calling. I want this handled.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The company contacted me and I told them the debt wasn't mine that my mom used an account in my name and has since passed but I would be willing to pay the debt so it wouldn't end up on my credit report, that was maybe a month or so ago and they never contacted me back Around probably XX/XX/22 the collection ends up on my credit report so I had to dispute the matter with the credit bureaus On XX/XX/22 I received an email from them still trying to collect the debt and I emailed them and told them the original creditor has been paid and to remove the collection from my credit report The original creditor is XXXX XXXX XXXX XXXX ), and the confirmation number for the payment is # XXXX
|
| 06/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was told by XXXX XXXX employee when I turned my equipment in that I did not owe any balance and to ignore the next cable bill.
Got a notice from XXXX XXXX XXXX and disputed the debt since I was told I didn't owe anything. Sent documentaion that I paid my last bill and sent a copy of bank statement. Never heard back so I assumed it was taken care of. Went to refinance my house and showed past due from Credit Management Inc. I had never heard from them. I called and it was about the old XXXX bill that I thought was already resolved. I contacted XXXX for the fourth time and finally was given correct information. I did what XXXX told me to do. This should not be on my credit report.
|
| 10/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.
|
| 02/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021 I spoke to a representative on the phone about the collection agency, Credit Management LP, about the reporting of the account of my credit report. They investigated and found my accounts reported onXX/XX/2021. The call escalated to Supervisor XXXX XXXX who informed me that they had reported my account in error & it would be removed from all bureaus. He stated he took " full responsibility '' ' this error would be correcres by deleting this account from my credit reports. After filling disputes with the credit bureaus - the agency attempted to state there was no issue with the reporting. Which goes against what Supervisor XXXX XXXX told me on the phone XX/XX/2021.
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The collector, Credit Management , LP, never notified me in writing, nor delivered a telephone call or voicemail when issuing an intentionally damaging claim on my credit report. They claim it was on behalf of XXXX XXXX, MN, who never gave me written notice or telephone notice of a debt. They never returned a call and had no idea why I was issued a debt nor sent to collections.
I never received any notice other than a negative notification by XXXX.It was XXXX bank who were able to get me the number of the misconduct filled collector. I have also never received a receipt from them over two months after they promised full payment would guarantee removal from my credit report.
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I JUST RECIEVED THIS NOTICE TODAY ABOUT THAT STUPID {$420.00} XXXX BILL, EXCEPT IT 'S WITH ANOTHER DEBT COLLECTION COMPANY!!!! XXXX!!!!! I CALLED THE COMPANY AND THE REPRESENTATIVE THAT I TALKED TO TOLD ME THAT THEY WERE GON NA HANG UP IF I DID N'T QUIT BEING FRUSTRATED!!!!!!!!! I STRAIGHT UP TOLD HIM THAT THE POLICE DO NOT DO ANYTHING ABOUT ID THEFT, AND THE GUY TOLD ME THAT THEY DID ... .NO THEY DO N'T!!!!!!! UNLESS YOU 'RE FAMOUS AND YOU HAVE MONEY!!!!!!!!!!!!!!! THEY ALSO THREATENED TO PUT A DEROGATORY ACCOUNT ON MY CREDIT BUREAUS AS WELL!!!!!!! I HAVE ALREADY TALKED TO THE XXXX POLICE AND THEY DID NOT DO ANYTHING!!!!!!! SO I DO NOT WAN NA HEAR ABOUT FILING A REPORT!!!!!
|
| 12/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to contact Credit Management in regards to reporting inaccurate information on my credit profile in the amount of {$520.00}. I am requesting that Credit Management follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expected to receive the proof requested within 15 days of the letter. They have continued to ignore my request for validation of the debt and I reserve the right under my consumer rights as specified under both the FDCPA and the FCRA for requested information above.
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management XXXX posted a collection on my credit profile on XX/XX/. I was never notified about this and have never heard of or had a contractual agreement with this company. I found out about this derogatory report on XX/XX/XXXX and advised this company that they are in violation of the FCRA. I do not owe this alleged debt that they are attempting to collect from me through deceptive practices. I never heard of nor had a contract with this company. They continue their deceptive practices by placing remarks on my credit stating they meet FCRA requirements when they do not and can not validate the debt with wet signature stating I owe Credit Management LP anything.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Currently, I have a XXXX XXXX XXXX but even with a " good '' XXXX XXXX I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. XXXX is reporting a collection from Credit Management in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.
|
| 08/28/2021 |
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
|
|
Web |
|
|
On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 10/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company is collecting on an untrue debt. I have reached out to XXXX/XXXX that the company is claiming to be collecting on behalf of and they advised that nothing is owed. All service equipment was returned and bill paid when I cancelled my service. The collection agency has yet to provide proof of the debt or remove the collections. This issue is a very time sensitive matter as I have major things that are dependent upon my credit history. The collection and all history needs to be deleted from my credit report NOW. All contact with XXXX and the collection agency has been recorded as well I have received a copy of my final statement which you will find attached.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I contacted Credit Management LP and asked them to validate an allege debt they claim I owe I sent this certified mail on XXXX it was signed for XXXX. This company was asked to provide the original purchase agreement, signature with all parties involved, bonding agency for credit Management, Accounting history from original creditor, proof they are legally allowed to collect in Arkansas, proof of ownership of the alleged debt and include proof of assignment for each change of ownership, if ant interest or fees that have accrued or been added,, proof that they sent the legally required notices to me before reporting the alleged debt to the consumer reporting agencies.
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have received a debt collection report to my credit score from a compnay called Credit Management LP. So, it says that the original creditor is a company called XXXX XXXX in Texas. I have never been in TX.
I dont know why is this report on my account. then, I called to Credit mamagement to get copy of the invoice and they said " that they are not longer holding that account '' I should contact XXXX '' but, the report still on my credit report. Then, I called XXXX requesting copy of the Invoice of the service and I have not received anything yet. All they told me is that was " a Service in TX '' So, it shows perfectly that it is a fraud affecting my credit score.
|
| 08/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015.
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I cancelled XXXX in my XXXX home on XX/XX/2021. My bill was paid. They took XXXX out of my bank account on XX/XX/2021 for services not rendered. I removed my bank account from the XXXX account so this would not continue to happen. They continued to bill me through XXXX XXXX Credit Management Lp continually tries to collect money I do not owe XXXX XXXX in fact they owe me XXXX. I have explained this to XXXX and Credit Management LP. They never respond. I moved to XXXX XXXX on XX/XX/2021. There is no XXXX service in this area that I could be billed for. Credit Management LP just put a collection notice on my Credit reports for {$100.00}. This is fraudulent reporting.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX, I received a notification that I had a new account in collections. The problem with this is that its an account that was already paid off & settled with ( XXXX ) another collection company! I submitted a dispute on XX/XX/XXXX with VALID proof of settlement yet XX/XX/XXXX& Credit Management LP ( suspicious debt collector ) have not removed nor come to a solid solution to this. I submitted a 2nd dispute on XX/XX/XXXX & currently waiting on results. Im Furious because I had this happen last year after settling that account & my dispute was successful, so what makes this any different?! theyre literally the same situation just different dates & companies!
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 CREDIT MANAGEMENT LP added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, CREDIT MANAGEMENT LP has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
|
| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The collection agency, Credit Management, is reporting to XXXX a debt I do not owe. I sent them a letter requesting validation of the debt and they did not respond. I do not owe the debt being reported. The debt is for the original creditor, XXXX XXXX. I currently have service with XXXX XXXX and they do not show that I owe them anything other than my current bill with them. I have uploading a copy of my current XXXX billing showing I do not owe a past due amount. XXXX XXXX recently changed their name to XXXX but it is the same account. It is common knowledge that XXXX XXXX does not allow people to open a whole new account if that person owes them a previous bill.
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is regarding a disputed XXXX XXXX bill from XX/XX/XXXX.
I have not resided at the premise in question since XX/XX/XXXX. At the time I moved I transferred the service to a new address with XXXX to a different service address. I have paid all obligations in full at that address, and at the subsequent address.
I was contacted regarding the outstanding obligation, was told the dispute had been registered and was resolved in my favor.
The agency handling the debt has now placed a collection on my account in spite of my being told it was successfully disputed.
The agency has damaged my credit with respect to a fraudulent debt obligation that is not mine
|
| 08/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A collections agency, CMI-Credit Management LP, is trying to collect for a bill I do not recognize. They purchased this from XXXX after I closed an Internet service account. XXXX claims I had a cable modem that was theirs.
This is false. Prior to XXXX 's acquisition of XXXX XXXX, I purchased my own modem to receive an upgraded XXXX service ( and avoid modem rental fee ). Upon the acquisition, I some how ended up in their system as a modem/router rental account. I had to dispute, on a couple of occasions, a " Wifi service fee '' that XXXX never provided ( I owned both the modem and router ). My guess is I was still marked as owning equipment in their accounts.
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I consumer XXXX XXXX reviewed a copy of my credit report and understand that Credit Management LP is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
|
| 11/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management, is attempting to collect a invalid debt from me, which I never made contract to pay them over know who they are. This is another collection agency XXXX XXXX has hired to attempt to collect an unverified debt from me.
Credit Management has a WRONG ADDRESS on file for me and their amount is WRONG! They also CAN NOT verify the debt to me. Please delete this unverified account from my credit reports or I will sue them.
I'm not asking to verify my name, address or social/date of birth, anybody can get that information. I'm asking them to follow the FCRA and show proof of a signed contract agreement, that I agreed to ever pay them any amount!
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penlaty of perjury that the foregoing is true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1621. This collection appeared on my credit report are not and never related to any transaction that I made I am alleging that a person or company without authorization used my personal information to apply for goods, services or money and was successful in creating some accounts all is being investigated by the FTC.
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received notices from Credit Management LP of an amount owed to XXXX XXXX of {$610.00}. I do not owe this amount or any money to XXXX. I contacted XXXX and they have no knowledge of this debt or amount. I contacted credit management LP to have them cancel this amount but instead they appear to have reported it to the credit agencies and it has reduced my credit rating. I believe this is a scam and complete fraud. Again, I do not owe XXXX cable anything and Im current on all my accounts. CreditManagement LP of Plano Texas appears to be representing XXXX in this debt collection matter the XXXX has no knowledge of it and I do not owe any money to XXXX
|
| 07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX, I went into a XXXX location to return some equipment and was informed of an account from a previous address that had a balance. I paid the balance in the store and was told that no negative reporting would occur as I paid them directly, and if it had been sent to collections it would be deleted. Turned out that it had already been reported to collections, so I waited. I reached back out to XXXX via chat and was told again that it would be deleted as they took the payment, I just had to call a number and tell them. I did that, and now it just reports as a paid collection on my reports, when I have proof that I was told that it would be deleted.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Credit Management XXXX They have called me 8 times this week.
Monday XX/XX/XXXX XXXX Tuesday XX/XX/XXXX XXXX Wednesday XX/XX/XXXX XXXX 2 times-immediately so it looks like the same time Thursday XX/XX/XXXX XXXX, XXXX Friday XX/XX/XXXX XXXX, 2 times-immediately so it looks like the same time I have never once been late on a bill of any kind and have perfect credit. They have me linked to an account that is not mine.
I called them back as my phone carrier auto blocks them and asked them why they were harassing me. They asked if my name was XXXX XXXX. I said no and that this had been my phone number since XXXX with the same carrier. They hung up on me.
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Good Afternoon, My name is XXXX XXXX I have been working on my credit for the pass few months. I notice a new change on my credit report from Credit Management, LP XXXX XXXX XXXX XXXX , TX XXXX . I have never received a letters from them indicating where and how I owe them or when did I start services with them. I have disputed this with the Complaint ID # : XXXX Business Name : Credit Management, LP on XXXX XXXX as well. I had a Fraud Alert on my credit since 2008 I want this company to resolve this matter as soon as possible if they provide proof that I owe them with a valid contract this is effecting my credit report.
Thanks
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| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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XXXX XXXX sent my account to collections with no notice. Credit Management would not take the money i paid to them. I requested with a letter it be removed due to there was no letter/Notification of the such debt. I ask XXXX several times about the debt no one ever call me back after several attempts about the bill. I had disputed the bill after i have moved. I call them and told them and they was still trying to bill me after i had cancel the service.
XXXX made no attempt to dissolve the matter and Credit Management was very rude regarding the matter. I have a copy of the money order credit management mailed back to me in which i purchased in XXXX.
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I filed a chapter XXXX bankruptcy in XXXX. I recently received an alert on my credit for {$1100.00}. The first time I called credit management llc., the representative was very rude and did not want to give me any information on what they had, so I ended the call. They apparently reported on my husband credit as well and he spoke to someone and we explained the situation but still they werent listening but that there was a second account but wouldnt say what it was. I got another alert today XX/XX/XXXX and I called and it was the same thing, one closed account and another open account but they wont say what but they have my maiden name on file.
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| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I have paid in full the account in Collection with Credit Management regarding XXXX XXXX. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE.
This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
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| 05/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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On XX/XX/XXXX I was made aware of a derogatory mark on my credit report XXXX XXXX, XXXX, and XXXX ) per XXXX. Upon further observation, this collection was paid in full on XX/XX/XXXX to Credit Management LP via XXXX XXXX. Credit Management LP has violated my rights as a consumer and I am requesting legal action to remove this collection account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to Credit Management LP in reference to the incident but havent received any feedback.
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| 10/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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On XX/XX/2023 I received a credit notification that a collection had been placed on my account by XXXX XXXX XXXX Credit Management , INXXXX for a debt owed.
The debt in question was unauthorized and done so in a fraudulent manner without my knowledge or consent.
I had a similar issue occur a few months back with XXXX XXXX and filed a police report regarding the identity theft and fraudulent charges.
I am not legally responsible for this debt and request it be removed from my credit report immediately.
I have filed disputes with XXXX XXXX, and XXXX. I will also be filing formal CFPB complaints against XXXX and Credit Management , INC.
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| 04/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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I reported to XXXX several times that the final bill was incorrect. The equipment charge for almost XXXX was incorrect, because the equipment was returned to their customer service store at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They refused to correct the bill, and after reported them this past year, they resold the bill to another collection agency Credit Management LP. I would to request an investigation into their dishonest buisness practices, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness practices.
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| 03/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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This debt has been disputed many many times and documentation of Identity Theft has been provided via certified Mail to this collection agency and XXXX. I have never done business with XXXX and my name is not XXXX XXXX. This debt is not owed by me and the collection agency is in VIOLATION OF FDCPA and TCPA as they are in receipt of documentation from police department and FCRA advising of identity theft but they continue to attempt to collect. I was also just notified that this is now on my credit report ; as a result I am actively providing XXXX XXXX my attorney to get a case against the collection agency as they have now causes me damage.
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| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
On XX/XX/XXXX, I paid my balance in full of {$380.00} to CREDIT MANAGEMENT LP. When I asked if they woulf take it off my credit, they told me they would not and the reason is because they had sent paperwork to a former residence of mine in Virginia. I never received any debt collection paper work or anything along those lines. I found out about the debt after it was reported as a collection on my credit report. I feel its kind of XXXX to have you pay this collection and then it stays for 7 years. Why bother paying it then? I tried to dispute it on all three credit bureaus but they wont budge. Id like to have it removed from my credit report
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/2020 XXXX XXXX, Credit Management LP, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 10/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Credit Management LP has place 3 medical collection debts on all three of my credit reports and when I found out I immediately reached out to them and informed them that my bills were written off from the hospital and the letters forwarded to physician 's office. I explained that the debt is not valid not owed and has ruined my credit I never received any letters from this creditor regarding this debt nor asked for my letters that they were indeed paid. The original creditor of these accounts were XXXX XXXX XXXX XXXX XXXX and the dates of services were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Referrence # - XXXX
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received alert on credit report about collection from credit management about a bill from XXXX XXXX XXXX XXXX XXXX of the debt with a contract signed with by me with signature they only provide a address over the phone past due balance is {$730.00} but balance due is {$1300.00} an that could not be explained.Im requesting proof of this debt is mine with contract or something with my signature on it to validate the & also never had no contract on any with the credit collection company to have a passed due balance showing on my report asking is the information can't be provided the are to delete this off all my credit report immediately!!!
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had the same company attempting to collect from XXXX a few years back, while Im not certain if it is the same collection or a different one altogether, what I am sure of if that this debt does not belong to me. I have not had nor have any delinquent debts or services from XXXX. I have XXXX services and have had the same service for more than ten years. The previous attempt to collect on an invalid debt was proven not to be mine.
I have only one cable account and that is at my residence in Indiana and is paid monthly from XXXX. And I was informed already that this isnt that. My guess is that I am once again a victim of identity theft.
|
| 12/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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Credit management placed an old XXXX account # XXXX on my credit report. I spoke to credit management in XXXX of 2021 and explained the account wasn't mine and that I have a current XXXX account. The rep told me that she would place the matter in dispute and that no further action is needed on my end. Then Credit Management called XX/XX/2021 regarding the same matter. I explained to them that I already disputed the matter they said it was never submitted and resolved and that they would resubmit the dispute and no further action needed to take place. Then several days later the place this matter on my credit report while I'm in dispute.
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Im reaching out because after a review of my credit report I found this creditor on my report. Before being placed on my report This debt collector did not attempt to reach out or inform me of any such debt toward me. This is having a negative impact on my credit score I need this account removed. By law, a creditor must inform me of the alleged debt against me and give me 30 days to resolve the issue which this company did neither. I have no issues with paying the balance but this account must then be removed from my credit report not settled, not paid, but removed. I never received calls or mail correspondence related to the account.
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Since XX/XX/2021 I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XX/XX/2021. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
|
| 03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
|
| 09/22/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have faught and won against this same debt collection 3 times at this point. I do not owe this company any money as i have not business with them. I requested that XXXX remove this negative info from my consumer report and it keeps returning from a different 3rd party debt collector. The burden of proof is on the credit reporting agency to verify the accuracy and relevancy of all info reported. This is clearly described in U.S Code 1681i where is also mandates that once info has been certified as false, it must be " permantly removed ''. My ability to obtain credit has been negatively affected through a tarnished consumer report.
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
|
| 10/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX I closed an account with XXXX/XXXX XXXX. At the time, I paid off all money owed on the account and it showed a {$0.00} balance. The account was closed. I later confirmed through my online portal that the account was closed and had a {$0.00} balance.
After being contacted by the agency, I confirmed with XXXX/XXXX XXXX through their support department that I had properly closed the account, had owed no balance, and still owed no balance. I also confirmed that they had not attempted to contact me about any past-due balance.
The Company says they verified the debt with XXXX XXXX, but provided no documentation of such.
|
| 07/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX with a TX address claimed to be a debt collector for XXXX I made a payment of XXXX but XXXX never received payment. XXXX claims they have no idea who this company is. XXXX tried to get me to pay another XXXX claiming that then XXXX would be paid entire amount that I am behind on. The phone number to this company is XXXX XXXX is XXXX cable network in my area. The amount taken from my checking account was on XXXX XXXX 2017 My bank has reimbursed me, because XXXX claims XXXX is a fraud and they have no idea who they are. But, I could still lose my XXXX at the end of this. Please help shut these people down! XXXX XXXX
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX billed me after I canceled service in my name and moved from XXXX to XXXXXXXX XXXX. Never received notification or mail that I owed XXXX. Never knew my debt went to collections to CMI Group ( Credit Management ). Never received mail notification from debt collector. Checked my credit last week to purchase a house and learned I had a XXXX point deficit to my credit score because of a unpaid XXXX XXXX bill I had no clue existed. I called to dispute but never received help or guidance. I paid the full bill owed to the collection agency as soon as I found out about this in hopes to repair my credit score immediately.
|
| 09/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got an email from a creditor that said they were closing my account due to default payments on credit report. I was unaware that it had been on there as I was never notified... phone call/letter. Knowing the new laws in place I placed a call to Credit Management LP. Spoke to supervisor. He said they sent a letter but didnt know dates or times. I asked if they called me and he then asked if Ive changed my number but couldn't answer yes or no. I asked them to remove it and he tried to send me to their legal dept. Im not an attorney so what do I need with them. Any help with this matter would be greatly appreciated. Thanks
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2021, which is today currently as I am writing this complaint that Credit Management , L.P. located in XXXX TX called my mother and went further than just collecting my contact information. Keep in mind, I am not a minor, I am XXXX, and the debt collector went as far as telling my mother how much I owed and my mother wanted to pay for it, I told her not to since I first wanted to submit this complaint. It is completely fine to ask my mother for my contact information, however this person told her how much and how to pay it, this is inappropriate. The debt was only for XXXX, a internet bill that I plan on paying
|
| 12/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving multiple calls from a phone number, XXXX, I do not recognize. My mobile phone provider blocks the phone number as it was blacklisted and reported as a telemarketer phone number. After receiving multiple calls ( XXXX ) within XXXX minutes trying to get past the call protection feature, I called the phone number back to inquire what company is frequently and illegally trying to call. The phone number is tied to a company called Credit Management , LP and I have never heard of this company. I spoke to a representative and asked for my phone number to be removed from whatever calling list it they have.
|
| 02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a call asking me to tell them personally identifiable information. I asked them who they were and what they were calling about. She said she could not tell me without me giving her my address and other information. She told me she was " Office of Credit Management ''. I told her I do not have any awareness of that entity and I couldn't give her any information unless she informed me what she was talking about. She refused. I told her the conversation couldn't continue unless she told me more about what she was calling about. This loop continued a few times. She muttered something about mail and said goodbye.
|
| 03/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ).
It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/XXXX according to XXXX XXXX ).
I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.
|
| 02/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received mail from this so called place named Credit managements L.P. They stated that they are debt collectors and that I owe money to another company. I know in fact that I dont because Ive never had anything to do with this company they are stating that I owe money to. Ive read countless amounts of reviews on XXXX stating these people either scammed them out of their money or tried to by saying they owed money when they really didnt. Ive called but they constantly hang up. Im not even sure how this mail got to me because they spelled my entire name wrong. Either way this place is a scam and I do not owe anything.
|
| 08/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit Management marked an account as in collections from XXXX. I believe this was for equipment. I returned the equipment but possibly this was already sold to a creditor. I am not sure. I do know that I do not owe XXXX anything and I never signed any contract with this company or had any kind of contract with Credit Managment. I have disputed this with all 3 credit reporting agencies. XXXX removed it the next day, XXXX and XXXX have not. Both of the latter companies always have the wrong information on my report so that I can never access my report online due to them having something wrong with my information.
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, I received an alert from my bank 's credit monitoring service that a collection account was added to my credit report for {$350.00} by Credit Management , LLP, a collection agency. This account was reportedly established because of a past due XXXX bill. Someone fraudulently opened a XXXX account in my name in XXXX, MI. sometime in XXXX or XXXX. I have never lived in XXXX, MI. I suspect that other attempts have been made to fraudulently open other accounts in my name, possibly by the same person. Because, I also noticed a hard credit inquiry on my credit report from XXXX XXXX Bank listed on XX/XX/XXXX.
|
| 09/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit score today and it went down due to a Collections request for an account that can't be mine. The Collections request was from " Credit Management LP '' on behalf of " XXXX XXXX XXXX '' for the amount of {$150.00}. I haven't had a XXXX account in over two years. Additionally I was able to log in to my old account and have a {$0.00} balance. Therefore, someone is using my personal information for an account and not paying their bill. I do not have any outstanding balances with XXXX. I can NOT get a real person on their customer service line to inquire about this because of their automation system.
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call on my cell phone from a company wanting to verify my address so that they could provide private information to me. I kept saying that they had the wrong address and I asked if I could receive this information by mail. The lady said credit management company does not mail but I could check it out online at creditmanagement online. I never opened up a XXXX XXXX XXXX bill in XX/XX/2017 and she told me she is collecting a debt for approximately {$250.00}. I said I am going to dispute the debt and I am not paying her. I should not have given her the last four digits of my social and my updated address.
|
| 03/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The aforementioned credit collection agency representing CREDIT MANAGEMENT LP has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CREDIT MANAGEMENT LP does not have any documentation, they need to retract this from my credit file immediately.
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recently requested a proof of debt from the collection agency Credit Management who purchased debt from the original creditor of XXXX XXXX XXXX for {$41.00} and then reported the debt on all three major credit bureaus.
I do not recognize this debt as being mine, nor do I recognize ever having any business with this company. Because of this, it was then disputed on all three credit companies.
It was quickly deleted from XXXX and XXXX once they investigated and found the debt to be in error. Unfortunately, XXXX has been under investigation since I deputed the debt on XX/XX/2023, with no response from anyone.
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I have received notification from a company called Credit Management , LP seeking payment of {$260.00} for creditor XXXX XXXX.
I wrote to Credit Management and asked them to verify this debt on XX/XX/20.
I received communication back that they contacted their customer, XXXX, and XXXX said the bill is valid!!
That is no way to verify a debt!!! There is no details about the age of the debt, no copy of a billing statement from the original creditor, the date that this debt became delinquent, etc.
I have no idea what this is for.
I wrote back to them again asking for verification in early XXXX, no work back.
|
| 05/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Item is from a dispute with XXXX XXXX XXXX and was originally placed on my credit by XXXX XXXX in XXXX. It has now been placed on my credit by XXXX different credit collection agencies in the past 11 months. XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX.
My husband passed away XXXX XXXX, XXXX. In order to keep my home I desperately need to refinance. I ca n't do that if these collection agencies continue to place this old item onto my credit as if it 's something new!!! PLEASE PLEASE PLEASE make them remove this nonsense from my credit report and STOP!
|
| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are XXXX visits to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in XXXX I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX!!! Im in the midst of trying to make a police report and get this handled.
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice from Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX for {$510.00} XXXX.
I have never had their services the cable services I have had for the last 15 year has been in my husbands name not mind and we transferred our services to my new address. I dont know how they have my address for this it has to be a fraud, scam or the wrong person. XXXX XXXX XXXX has lost a lot of business I have seen on the news now there creating fake accounts with peoples information.
Some one at this company is doing fraudulent activity getting people information.
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Thank you for your time and patience in reading this letter. I am writing to you because in the beginning of 2018, I realized that I had an account showing on my credit report as closed of {$290.00} from XXXX XXXX XXXX. That really bothered me because I previously had XXXX after they bought out XXXX, in which now I have XXXX XXXX. I'm requesting that the negative information be updated and not reported to the 3 major credit bureaus, do to the nature of trying to achieve personal goals to maintain a better life for myself. This information being reported is over 5 years old and I'm just recently seeing it.
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP, a collection agency located in XXXX, Texas, put a collection item on my credit report. I do not owe that alleged debt. I called them XX/XX/2023 to request info about who the creditor is and what the debt is about, I provided my phone number and address, the rep said that my address is not the one listed in their files. She was clearly able to locate my file based on my phone number, because she addressed me by my full name without me telling her. I requested more information, the rep said they can not verify the debt is mine, then hung up on me. She is right, I do not owe the debt.
|
| 04/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I mailed a certified letter asking to validate debt by providing the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
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.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 05/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit management LP was contacted on XX/XX/2021 to provide verification and validation of the alleged debt. On XX/XX/2021, Credit management failed to validate the debt, and reported the alleged debt under dispute as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my consumer credit report. On XX/XX/2021, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Credit management LP failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP, account number XXXX is wrongfully appearing on my XXXX, XXXX and XXXX credit bureaus.It is a fraudulent collection because the services contracted by the original creditor, XXXX were not provided.WI-FI required for phones and computers would not function.When I called XXXX they would tell me to turn the equipment on and off which was done up to 4 times a day.When I called more times XXXX said they would send a service technician out to repair or replace equipment, however they never came so I changed to another service that worked.
This item should be deleted from my credit.
|
| 09/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I work for a company that has a debt collector calling them. I answer the phone here and do not have anything to do with the companys debt. The debt is from 2013 and I was not with the company. They refuse to take my name off of the debt and threaten to take action on me and not the company because the company who gave them the debt to collect gave them my name. They have my name because I answer the phone. They call here everyday harassing me at work asking for me. the person who owns or sponsors the company is out on business and not available to contact them. Calls are continuous and are harassing.
|
| 01/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND XXXX EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM XXXX XXXX AND {$130.00} FROM XXXX XXXX. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS
|
| 03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This issue resulted from having XXXX internet service installed in my apartment. The service did not work as advertised and I was charged by XXXX to have a service tech visit my home to correct it. My entire apartment community was brand new and came pre-wired specifically with the XXXX service only. However, the connections in my unit were not installed correctly and had to be adjusted by the service tech. After receiving a bill for the the service tech visit, I made several attempts to explain and resolve this issue with XXXX and the collection agency they assigned to debt too, with no resolution.
|
| 05/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt collector calling me about a payment from XXXX that I do not owe. Every time I ask tell them that XXXX has never contacted me XXXX telling me I owe a dime. I have received nothing in writing from XXXX. I keep telling them that I need it in writing from XXXX before I even think about giving them one cent. This company calls me every single day with the same " This will be put on your credit score if you do not pay ''. I looked up some reviews of this company and TONS of people are having this problem. XXXX has even said they have nothing to do with them and does not use them for debt collection.
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have had XXXX service for the last XXXX years. I had an account at a previous address that was current and active, and I transferred my service to a different address when we moved. I was then told I had a previous balance from a different address of {$66.00}. You are unable to get any service at a new address with a previous balance, which means there should have been no balance as I already had an account. I never received notification of any debt or my right to dispute the debt although they had my current address. I am disputing I owe anything to XXXX, as I still have their service currently.
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Credit Managment is reporting a fraudulent account on my credit. I contacted XXXX XXXX and informed them that I dont have an outstanding account with XXXX. They said that I could either file a fraud claim which could take 45-90 days or I could pay the {$38.00} balance, and the collection account will be removed from my credit.
Upon contacting Credit Managment, they informed me that XXXX didt communicate to them that this account needs to be removed and they are refusing to remove a fraudulent account from my credit. Please see the attached FTC report and remove this account from all 3 bureaus.
|
| 01/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX cable sent us a bill for service at a XXXX address on XXXX. We never lived there and disputed the debt in writing on XX/XX/XXXX with XXXX, XXXX, XXXX, XXXX, and XXXX. The credit agencies deleted from our credit report. In XX/XX/XXXX Credit Management sent us a collection notice and they had changed the address of the original charge to our correct address without any account info on the bill. Credit Management falsely made the bill look as if it were attached to our current address. We have never lived at XXXX in XXXX and I reported the incident as identity theft to the credit agencies.
|
| 06/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have an amount owed with XXXX XXXX and tried closing the account several times before it became {$710.00}. I was told that I can not close the account until it was paid in current standing so I then proceeded to ask if I could remove services which was then told the account was not allowed to have changes until it was current. Then when the account was closed it was still being charged for pay per view movies but I don't understand how the account could even purchase movies when it's closed. I'm not going to be responsible for more than a couple hundred and I also returned the equipment.
|
| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My debt went to collections after confirming with XXXX that they payment arrangement has been made. Been making faithful payments every single month with no lapse. Credit Management LLC can not give me a clear answer why this was reported to the credit bureau after making faithful payment. This was the agreement we had since XXXX and 2 days after taking {$100.00} on XX/XX/20 they submit to the credit bureau for non-payment. This is not reasonable to me as to why this happened. I don't have anything negative in my credit account, now I can not purchase a home with this issues over my head.
|
| 03/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I see on my credit report that XXXX XXXX is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to them with a discounted offer. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract. At the time the debt was initiated I was married and didn't even have the last name XXXX.
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Madam or Sir, A fraudulent collection report was posted to my Credit Report Bureau on XX/XX/2021, on behave of XXXX company for a charge of the amount of {$59.00}.
I did not sign up for any services with XXXX in 2021, and I've never received any communication regarding that charge. In addition, the collection report has an incorrect address.
The company that reported the collection report is CREDIT MANAGEMENT - XXXX XXXX I have submitted dispute reports with the collection company and the Credit Bureau to remove the collection note from my credit report.
Thank you so much.
|
| 10/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management, L.P. is attempting to collect a debt that is not mine. They are finding my number online and using " associated number '' tactics to look for this person. I have stated to them countless times to not call me because I have nothing to do with the debt. I have not cosigned, I have not given them my number as a contact. They are just looking for numbers online and calling to collect the debt. This company is associating names and 'possible ' relationships and just calling blindly. They have been calling for months and is still calling my phone, after I have told them.
|
| 05/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to Intent to CREDIT MANAGEMENT LP, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, and FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
XXXX XXXX extended credit to a fraudulent person for services. acct XXXX. XXXX has passed the bad debt to Credit Managment LP of XXXX TX and they sent me a letter demanding payment.
First I have not had cable in over 22 years and am XXXX XXXX XXXX XXXX customer.
Secondly XXXX did not try to contact me at my permanent address.
Third I only know XXXX extended this account to someone in Florida which I have never lived there.
Fourth I have my Credit Bureau files " locked '' down with a pin. It appears XXXX did not perform due diligence to ensure the credit is good and valid.
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
|
| 12/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification on XXXX Credit Bureau of a collection account : Credit Management LP located in XXXX, TX regarding to a bill from XXXX XXXX XXXX of an address I've never lived nor known anyone else lived at.
I'm reporting Identity theft/fraud. The account isn't mine and I've tried getting proof from the collection agency and they haven't provided. I've contacted XXXX XXXX XXXX Fraud Department and nobody has returned my calls.
I'm currently XXXX XXXX XXXX XXXX at the moment and live out of state. I will be returning to the area next month to file a police report.
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX I received a notification from XXXX that Credit Management LP flagged my account as Collections. The company that claims the debt is XXXX. After calling Credit Management LP and XXXX I learned that someone opened an account under my name for service at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX on XX/XX/XXXX. The amount of the debt is {$2300.00} I have lived in XXXX for more than 15 years, I bought the house I live in XX/XX/XXXX and have never lived in XXXX.
I made an ID theft report to the XXXX Police department, report number XXXX. I also sent a report to XXXX.
|
| 11/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX via XXXX sent information to a residence I have not occupied in 3 years in XXXX XXXX XXXX, XXXX, PA XXXX.
I occupy a different residence of which has already been sold and now moving at XXXX XXXX XXXX, XXXX, PA XXXX.
This debt also was my ex boyfriend who fraudulently used my credentials to get the XXXX XXXX, I was willing to pay the debt though, even though it was not mine it was XXXX XXXX who occupied the residence at XXXX XXXX XXXX at the time I left several years ago. He may still reside here but he is an ex for a reason and I do not speak to him anymore.
|
| 12/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX medical of XXXX XXXX billed VA for XXXX. VA XXXX paid this bill. I have confirmation. Then XXXX XXXX XXXX attempted to be paid twice for this by sending me bill. When I explained they proceeded to send it to a company called Credit Management who sent me bills and then I sent them the proof this was paid for and did not hear from them again until they added this to only one reporting agency XXXX. XXXX XXXX nor the XXXX reporting agency are reporting this fraudulent claim. How do I sue them for harassment and what this may do to my otherwise Excellent credit?
|
| 08/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I reached out to Credit Management because they have a paid collection on my credit report 4 yrs old stopping me from buying a home. This is the second time I dealt with them on an issue like this the other was removed. They have listed an account which I paid XXXX $ Back in XXXX directly to the XXXX XXXX XXXX. The company acknowledges that truth and emailed me a letter stating they acknowledged it was satisfied and if they reported my account to the bureau they would contact the bureaus tI update accordingly. I had no signed contract with this company at any time.
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.
|
| 09/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018, a new collection account was added to my credit report by Credit Management , LP, in the amount of {$330.00}. I have previously disputed this debt with the XXXX ( XX/XX/2018 ) because I had no knowledge of this account, nor had I received any phone or mail communication regarding the debt. Again, I still have not received any communication, yet the collection account has shown up on my credit reports again, causing a significant drop in my credit scores. I would like the inaccurate information/debt removed from my credit reports as soon as possible.
|
| 09/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid XXXX XXXX XXXX in full. Credit Management is still collecting on a debt that they know I have paid in full directly to XXXX XXXX. I called Credit Management to inform them that this account was paid in full ; however, is still reporting on my credit negatively. I am not sure how they are able to collect on a debt that has been paid in full to the original merchant XXXX XXXX XXXX XXXX.
When I made the payment with XXXX XXXX, I was told that since I was paying my debt in full that it would be deleted from my credit report, as I do not owe anything else.
|
| 07/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
i contacted credit management after noticing they were on my credit report. they couldn't verify debt and transferred me to a supervisor whom then emailed me the attached letterhead document saying they will delete account over 60 days ago. account is still active on my report. I have called and questioned them about the practice of saying one thing and doing another with no response and rudely trying to act like I don't have a document stating my claim. I have no knowledge of this debt and just like they agreed upon i would like this removed from my credit asap.
|
| 01/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
|
| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account is not my account and I have never had any business with Credit Management LP. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I do not have a contract with Credit Management LP and they are attempting to illegally collect a debt on behalf of XXXX. I have notified Credit Management LP that their records are inaccurate as XXXX has been paid and confirms a balance paid in full. These predators are trying to make me pay money I don't owe. I am pleading with you to remove this inaccurate item off all three of my report and to stop Credit Management LP from harassing me and to cease high jacking my credit. Their predatory practices have crippled my ability to apply for a best rate mortgage
|
| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We repeatedly get calls from Credit Management Company for a " XXXX XXXX XXXX '' bill we do not owe on. We called the original creditors, they realized it was erroneously added and said they would fix it. Four months later and I get around 6 calls a day even though I owe no money. They reported this to the credit unions and ruined my credit for something I did not do, right before I was preparing to buy a house. This company has ruined my credit and continuously harassed me for a bill I do not owe and have to correct multiple times. This is not acceptable.
|
| 06/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents.
Respectfully yours, XXXX
|
| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received a debt collection letter from Credit Management alleging I owed a debt of {$150.00} to XXXX XXXX in XXXX Texas. I have never even been to XXXX Texas. I have been receiving calls looking for someone with a different name, when I tell them they have the wrong number they just hang up on me.
There are many complaints online about this company creating fraudulent account between XXXX dollars and demanding payment.
I have excellent credit and pay all of my bills. This company is committing crimes against citizens and should be put out of business.
|
| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2022, I noticed a debt on my credit report being reported by XXXX for a debt of {$330.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Credit Management , LP. I did not authorize the sell of this account to Credit Management, LP., I have not done any business at the address listed with this account nor do I owe Credit Management , LP.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Credit Management , LP.
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently as I viewed my personal file through monitoring system I noticed fruadulant account still reporting a debt of {$370.00} from CREDIT MANAGEMENT LP that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX. I have filed for identity theft and filled out a report of fraud and identity theft.
|
| 08/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving calls since XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and today at XXXX. When I called back at XXXX to ask for more information, the woman responded seemed to get upset when I mentioned " Fair Debt Collection Act violation '' and " I intend on filing a complaint against your company ''. She dragged her feet and didn't provide anything. After she hung up I called back at XXXX to talk to somebody else and found out it was " Credit Management L.P '' doing all the phone calls.
|
| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am in the process of trying to fix this with the company. I sent a letter describing the situation to their complaint department on XX/XX/2021, I am waiting to hear back from them. My credit report has recently shown that I owe the amount of {$450.00} to XXXX XXXX. I do not. I have an account with them but it is not nor has it been delinquent. I would like to state that I believe my email address has been leaked on the dark web along with my name ( information my credit card company shared with me ) and I believe this is another person using my name.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire scumbags who lie and teach them how to lie to the general public, Then they incentivize them to do their XXXX XXXX. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within 30 days to CREDIT MANAGEMENT LP. I am requesting your assistance in dealing with this situation.
|
| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I reached out to XXXX XXXX XX/XX/2022, about the {$87.00} that is supposedly owed that i was unaware about for the longest. I told the agents that I had moved by the time that bill came around which the agent told me it was a XX/XX/XXXX bill, when i moved out of my apartment complex in XX/XX/XXXX. I also told the agent that when coming to the company, i had already told another agent that the contract should only be the length of my lease because i would be moving after that. They continued to still charge me although i was no longer in the apartment.
|
| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Credit Management LP placed a collection ion my credit report from XXXX for ~ {$150.00} Credit Management LP has never contacted me about this assumed debt. Credit Management LP has never validated this claim.
Credit Management LP recklessness is jeopardizing my employment- which requires employer to not owe debt.
From research I found Credit Management guilty of mismanagement - I believe the company is repeating those same tactics. The company doesnt have a business license in my state I ask that this erroneous claim be removed asap!
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP
|
| 08/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I closed my service with vast broadband internet back in XXXX. I told them to send me any bills in the mail if I owed anything after closing. I no longer wanted paperless bills since I disconnected. They never mailed me a paper bill or attempted to ask for the XXXX. I hooked back up services with them in XXXX before the XXXX and paid the debt of XXXX because they told me on the phone in XXXX that I owe. Then the offices of credit management lp sent me a collection letter in the mail dated XX/XX/XXXX for XXXX. I do not want this on my credit report.
|
| 12/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I received a phone call on XXXX/XXXX/2015 about a balance of n XXXX dollars that I owe from a Company by the name of XXXX XXXX ( cable service ) Acct # XXXX and I never lived at the address that was told to me and was told that the service was disconnected on XXXX/XXXX/2015. I 've never lived in that area before and now I live in the state of XXXX, but have lived in XXXX, but not XXXX where the cable business is located. I want to report this soIwant be responsible for something thats not me and someone has used my information without my knowledge.
|
| 05/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/22 I am contacted 4-10 times a day with different numbers since this debt was reported on 5/22/22.Contacted Credit Management LP today XXXX resolve the reported debt. They informed me quote : '' Even if you pay the amount in full, we won't remove this from your credit. XXXX XXXX XXXX- who we represent, does not want us to remove the debt. Give your credit card number now so you can pay the amount in full. '' I've contacted XXXX XXXX XXXX, to ensure that when the amount is paid in full- they will remove my reported debt - to no avail : XXXX.
|
| 06/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am current client of XXXX cable and internet services. I pay my bill monthly, but they sent me a collection notice for {$360.00} to CREDIT MANAGEMENT LP. I can't get a straight answer from anyone I speak with. Customer service isn't proficient enough to handle my requests to have this removed. They say there was a change in plan ( without my authorization ) thus creating a termination fee resulting in the {$360.00} now due to the above-mentioned collection agency. I would like this to be removed from my credit report along with the balance due.
|
| 01/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2021, I received a credit alert that I had an outstanding collection balance to Credit Management LP, a company whom I had never heard of nor contacted me regarding a debt. When I called the company, the representative could not verify if I was the correct individual for collection and hung up the phone one me.
I requested via certified mail for the company to validate the debt. It has been over 30 days and this collection company never wrote me back validating the debt, however, they reported to the bureaus that I disputed this debt.
|
| 06/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I DISPUTED THIS WITH XXXX CREDIT BUREAU REGARDING CREDIT MANAGEMENT LP DUE TO THE FACT THAT THIS COLLECTION AGENCY IS STILL REPORTING THAT I HAVE AN OPEN ACCOUNT UNPAID. THE CREDIT BUREAUS INVESTIGATION WAS VERY POOR. I HAVE A RECEIPT LETTER AND I HAVE A BANK ACCOUNT SHOWING THAT THIS WAS PAID IN FULL. I DISPUTED THAT I WAS NO LONGER LIABLE AND THAT IT WAS CLOSED. I WILL BE FILLING A COMPLAINT TO XXXX AS WELL FOR NOT DOING THERE DUE DILIGENCE. THIS COLLECTION AGENCY IS STILL LYING AS YOU WILL SEE BY THERE RESPONSE TO THE CREDIT BUREAU.
|
| 12/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I want this account to show XXXX balance and be reported to all credit agency in the time manner
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Credit Management XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report.
Credit Management LP account # XXXX : please have removed from credit report XXXX account # XXXX Late payment was added to credit report which was incorrect and I've been on time with all payments. Please remove from credit report
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 08/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I cancelled my subscription with XXXX in XXXX of 2023, returned all equipment in XXXX of 2023. I had a remaining balance of {$510.00}.
I made monthly payment of {$50.00} in XXXX {$25.00} May- {$25.00} XXXX.
XXXX of 2023 XXXX sent my account to collections. I called XXXX and advised them since I was making monthly payments this account shouldn't be placed in collection or reporting to my credit report. I was advised- Since the account was already sent to collection there was nothing that could be done until I pay the account in full.
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Older American |
|
XX/XX/XXXX - collection reported to XXXX by Credit Management LP, XXXX, TX XXXX for XXXX {$370.00} delinquent as 0f XX/XX/XXXX. Phone XXXX.
XX/XX/XXXX - collection reported to XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX.
I reported dispute to XXXX & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice for {$200.00} for a debt that is not mine, from a company I have never had contact with. I did contact XXXX XXXX and created a case disputing the fee. I have had my current energy company for over 14 years and prior to today have never heard of XXXX XXXX. I believe the letter from CMI Services LP /Credit Management LP is fraudulent and are attempting to extort money by falsely claiming we have a debt.
I am filing a complaint against CMI Services LP /Credit Management LP for the above stated reasons.
|
| 04/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter in the mail ( with my first name spelled wrong ) for a debt of {$4600.00} from Credit Management, L.P. on behalf of XXXX XXXX, XXXX. on XX/XX/XXXX. I have resided outside of the state of Texas since XXXX. I have never gone for any diagnostic testing at XXXX XXXX, nor have I had any outstanding medical debt. We have had medical insurance that has covered the majority of our expenses, and any co-pays/deductibles have been paid in full at the time of being billed. This is a false collection as this is not my debt.
|
| 02/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received an alert that a collection had been added to my credit report by a company called Credit Management in the amount of {$190.00}. I submitted a Debt Validation immediately via Certified Mail, Return Receipt. The letter was held for 20 days before Credit Management signed and returned the green card on XX/XX/XXXX. It has now been over 70 days since I requested a debt validation from Credit Management and they have still failed to respond but have updated the collection on my credit report as of XX/XX/XXXX.
|
| 04/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have made 3 phone calls to the credit collection agency, CREDIT MANAGEMENT, L, advising them that my debt with XXXX was discharged as part of my chapter XXXX filing MY case number with the collection company is XXXX and I spoke with XXXX XXXX - Supervisor in XXXX MN, who promised to address the incorrect reporting but to date no attempt has been made by CREDIT MANAGEMENT, L, to remove the erroneous reporting on my credit report. The debt has been discharged and XXXX XXXX should not be trying to collect on a discharged amount.
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was closed and equipment was returned. THIS ACCOUNT WAS CLOSED WITH A NEGATIVE BALANCE. XXXX even sent me a {$60.00} refund and gave me a credit.
If this shows up on my credit report and this not closed/removed immediately, I will press charges for harassment against Credit Management LP as well as XXXX.
I spent multiple times on the phone with XXXX.
I separate want a letter addressed to me from XXXX and Credit Management LP apologizing for the headaches it has caused me and showing the balance is XXXX out.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received your letter on XX/XX/XXXX stating that you, Credit Management , LP will honor my specified remedy by deleting this collection account from all consumer reporting agencies. However, I recently obtained my credit file and let the record reflect notice that you, Credit Management , LP failed to delete this collection account from my credit file. Instead of deleting the negative information off my consumer report, you Credit Management , LP closed the account on XXXX, and add an open account on my XXXX on XX/XX/XXXX.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue.
XXXX XXXX XXXX XXXX XXXX
|
| 04/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
|
| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XXXX. I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information.
Also, XXXX XXXX XXXX says I owe them {$490.00}, as of the status date of XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
|
| 07/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/XXXX and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and and XXXX they would not listen or try to resolve. I do not or have I ever had a written signed agreement with this company, this company does not have an active license to collect debts in the state of Florida
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX Past due balance in the amount of XXXX Also attached to the address XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX opened XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX amount for bill XXXX have no knowledge of any of these accounts having my permission to have been opened.
Not only did I not open this account I have also never stayed at the address listed.I have tried calling the creditor along with XXXX, nothing has changed I would like for this to be removed immediately.
|
| 08/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This was the same amount disputed from a previous company that falsely reported I owed {$230.00} cable bill from XXXX. This was already removed from my credit report. I never had cable with XXXX XXXXXXXX XXXX
This account was reported opened on XX/XX/2023 and sent to Credit Management LP collection company. This company has never shown proof that I used my social security number to get cable. I dont even have cable. This company is reporting this erroneously on my XXXX and XXXX report negatively and I want it removed.
|
| 06/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Opened - XXXX XXXX Creditor Name - University XXXX XXXX Remarks- Placed for collection Amount - {$240.00} I received a derogatory remark on my credit which is when i realized i have debt collection from 2 years back. I was not aware of the debt ( since it was not communicated, there was an address change and i did not receive any information ). I am willing it pay it off in full right now but wondering if i ca negotiate the settlement by removing my impact on credit score since i was unaware and it was not my mistake.
|
| 04/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a statement in the mail from credit management saying they need to collect a XXXX $ claim for XXXX XXXX XXXX XXXX as of XX/XX/22. I have never heard of this company not ever even been to XXXX fl. Ive been in the hospital XXXX XXXX Florida XXXX XXXX XXXX as was XXXX months before XXXX XXXX XXXX due to serious XXXX. I XXXX and did some research and apparently this is a fraudulent company destroying people credit and I just know it better not touch mine. Feel free to contact me at XXXX XXXX XXXX at XXXX XXXX
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Today on XX/XX/XXXX, I received a phone call from XXXX XXXX stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XX/XX/XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to Credit Management and I called to verify with them and it was indeed paid. I feel like this may be a scam.
|
| 06/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I'm a US Veteran with a Service Connected Disability and a VICTIM of Fraud Since XXXX! This was Reported on XXXX But Predates to XXXX. There has been Several ONGOING Legal Issues which have NOT Resolved since XXXX Including 100 % Loss of all Financial Assets.
Many XXXX Related Including Health Care Issues from Hospitalization.
XX/XX/XXXX Account Balance {$130.00} By Unknown XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX And XX/XX/XXXX Account Balance {$130.00} Credtor Name ( XXXX XXXX XXXX ) THESE ARE NOT MY ACCOUNTS
|
| 01/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments?
|
| 08/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CREDIT MANAGEMENT , XXXX XXXXXXXX This account wasn't removed/deleted from my credit file even after I made the payment in full to the original creditor. The cable company had verified that the equipment was in fact returned yet never was credited to the account. I do not have any contractual agreements with CREDIT MANAGEMENT XXXX. This account is showing as a PAID collection when it should not be showing at all. I respectfully demand that this item be removed from my credit reports from all three credit bureaus.
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account credit management is incorrect. I sent a debt validation letter and tried disputing to credit agency and they couldnt provide validation of the debt and verify me with proof they assume I owe. You can not furnishes information knowingly inaccurate by law under 15USC 1681. You must maximum accuracy and this is completely in violation. This in fact, is identity theft upon me, which violates my rights. I never gave written instructions to do so, which the law states. This is hurting me to obtain credit.
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well.
I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
|
| 05/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I receive an notification in regards to a debt collection of {$1400.00} not owed pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt. Credit Management LP has continued to pursue collection without any written consent given directly to the debt collector or the express permission of a court of competent jurisdiction according to communication from third parties. This company have used unfair practices and have obtained acquisition of location information without authorization.
|
| 12/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a communication from a debt collector ( credit management, L.P. ) suggesting that I owe a debt to XXXX cable for {$110.00}. I have not had any communication from XXXX since XXXX of 2020 when our business was closed from an apartment internet service. I owe absolutely nothing to XXXX and I am outraged that they would not only charge me without reason but then fail to communicate any knowledge of this supposed debt to me until I finally receive a notice from a debt collector and see damage to my credit.
|
| 09/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit Management LP claims that I owe a debt to XXXX XXXX, which has already been paid, to the account.
The account has been closed, and the debt has been settled with the original debtor. I kindly request that they cease sending me mail regarding a debt that has been fully satisfied. Additionally, I would like to receive proof of their status as the original debtor and request that my personal information no longer be sold to other companies for the purpose of pursuing a debt that does not belong to them.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account CREDIT MANAGEMENT is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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| 08/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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I received a notice on my credit report showing an unknown collections account for a debt that is not mine, I do not know, nor ever had outstanding. I had a similar problem back in XX/XX/2019 with another collection company called XXXX XXXX XXXX XXXX XXXX
My guess is that they sold off some debt to this new company called Credit Management LP - XXXX XXXX XXXX XXXX, TX XXXX.
Back in XXXX the file was closed at XXXX XXXX, XXXX after I submitted a complaint through this system and with the credit agencies.
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| 02/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I received a call from Credit management, so I advised the representative to write to my address on the debt the company is trying to collect. Some days later, a letter was received and I file a dispute on credit management asking them to provided verification and appropriate documentation to verify the debt.
On XX/XX/2022, a received another letter stating that the account I disputed had been reviewed and confirmed in Credit management office without sending any prove of documentation from the creditor.
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| 08/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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A company called Credit Management keeps calling me and asking me for personal information. They will not tell me why they are calling and won't provide any other information. I have refused to provide my personal information as I know nothing about this company and have never done business with them. They say I have an account with them. It appears they are a debt collection agency. I have zero debts outstanding and never have thus I know for a fact there is absolutely no way I have an account with them.
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| 10/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
Older American, Servicemember |
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I have reported this XXXX times now it keeps getting added back to my credit reports. I live aboard from XXXX to XXXX returned to XXXX XXXX, XXXX and XXXX reporting debts I do not owe. They claimed accounts were opened in XXXX. I first became aware of the problem because of XXXX and subsequently with XXXX filed reports with police collection agencies and XXXX. Others taken care of XXXX keeps getting placed in bureaus after it is removed. My passport documents I was not in country when this account opened.
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| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I have had a collection on the account that belongs to my room mates, in which XXXX has failed to pull the payment from default payment option in the account and have charged me a collection. Now that I have paid the owed amount because I wanted it to be removed from my Account so that it doesn't effect my credit score it still does. And when the Credit specialist tried pulling my credit score for having a mortgage loan she still sees it and I am facing difficulties as it have reduced my credit score.
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| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
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I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency Credit Management XXXX on XX/XX/2022. On XX/XX/2022 I was notified by XXXX XXXX XXXX that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to XXXX showing the bill had been paid. I also contacted Credit Management on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to XXXX XXXX XXXX.
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| 11/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I have not lived in XXXX Michigan in XXXX years and this report is on my credit!!! This is not me and I just filed a police report against whoever did this and this company will be reported for not verifying identity. We dont even have a XXXX XXXX tx XXXX Please remove this ASAP!!! I have never even been contacted about this or it would have been handled! I have XXXX collections on my report and now I have this small one!!! I did not notice until I logged in my XXXX XXXX to see this had been added
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| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I am XXXX XXXX submitting this complaint against credit management LP and their is no third party involved.
Credit management LP did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
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| 01/17/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have been disputing this account with the three credit bureaus since last year. The company was deleted last year off my credit reports and now it's back on my credit report. I have filed a police report and a FTC report. I called the company a few months ago to get the problem resolved and it still remains on my credit report. I even sent them a debt validation letter requesting them to send me documents but they failed to do so. I am a victim of identity theft and I never opened this account.
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| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Credit Management LP has wrongfully report on my Credit Report collecting a debt that Ive never had any contract with them! I just all of sudden see a collections on my report! I dont owe them, I dont know them, Ive never get contacted by them 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions My right has been violated by Credit management LP
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| 04/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Received unwanted marketing or advertising
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|
Web |
|
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Ive been getting calls from XXXX.
They want my address and the last four of my SSN number. They state they are calling from Credit management LLC. They dont want to give out their name.
I find it quite odd that when I withdrew my retirement annuity from XXXX that The phone calls started.
I told them to send me a letter and I will check with FTC and XXXX ... they put me on hold for 10 minutes. I hung up and called the same number back and before I could say hello, they already had my name.
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| 01/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Recently, I have tried to resolve this credit issue with Credit Management and XXXX XXXX. The companies have placed a negative remark on my credit file outlining a balance of {$340.00}. I have resolved this issue in the past XXXX CFBP XXXX. I received a notice stating that the agencies do not have this debt but the negative remark was placed on my credit. Credit Management has contacted me by via cell phone from various numbers that when you try and contact them back the number no longer works.
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
CMI Group is constantly calling me regarding the collection of a debt. I informed them numerous times that I was not the person that they were trying to reach indicating they were calling the wrong number. I have repeatedly asked them to stop calling me, correct the information they have on record and remove my number from their records. They continue to call me from other numbers so Im not able to prevent contact even after consistent blocking. This disrupts my work day and ties up my phone.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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XXXX and its creditor has been harassing me for a debt owed that isnt accurate. I have spoken with two XXXX supervisors who also can attest to this. They provided me with a XXXX request # XXXX. This account was never used or active ; theres already a service provided with the same address from XXXX. The equipment has been returned with a confirmation email. This is beyond fraudulent and I will be taking legal action for the harassing calls and e-mails trying to steal money out of me not owed.
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| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
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Credit Management LP has bought this debt ( XXXX XXXX XXXX ) for the sum of {$310.00} from XXXX XXXX XXXX XXXX which was removed by XXXX XXXX I am a victim of identity theft and would like it removed as soon as possible, This item is constantly resold to different collection agencies. I have provided a police report to them, a written affidavit of identity theft, an FTC affidavit, a bank statement to verify address, social security number, and, driver 's license. and they will not remove it.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account was identified on my credit. I agreed to pay the balance in full for the company to remove/delete the item from all credit bureaus. I was advised once the payment was made in full, I could go online and request the deletion after 30 days. I followed the process and the company has not removed the account from the credit bureaus XXXX and XXXX. The calls are recorded and should be referenced. I also have the letter that was mailed advising my account would be updated and removed.
|
| 08/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received an alert that a collection was opened on my XXXX report- Between XXXX XXXX, XXXX and XX/XX/, a new account in collections was added to your report. The collection agency is CREDIT MANAGEMENT LP. The original creditor was XXXX XXXX XXXX.
I do not know Credit Management LP or XXXX XXXX XXXX and do not owe them any money. As a result of this false collection against me, my credit score has dropped XXXX points.
From my research Credit Management LP is a known scam organization.
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Credit Management LP is attempting to collect an alleged debt for XXXX XXXX. There have been several unlawful attempts by this company to collect payment for the alleged amount of {$570.00}. After informing a representative to not contact me demanding a payment. Without adhering to the law and giving me the opportunity to dispute. Credit Management illegally had this debt added to my consumer reports. Attached is my Letter to Cease and Desist the illegal collection activities IMMEDIATELY.
|
| 11/09/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
This creditor is not licensed to collect debt in New York State and it is illegal for them to attempt to do so without a license from the state of New York. I also do not own this debt as I never lived at the residence in which they say the debt incurred.This creditor has not responded to requests to dispute. I have disputed with the credit bureaus, but it seriously damaging my credit report. I want to buy a house and such, but this collection is prohibiting me from being able to do so.
|
| 12/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
I have a {$37.00} debt to a company called XXXX XXXX and is in collections by Credit Management? Or what ever it is. I have been trying to contact a XXXX XXXX in XXXX Mt. but phones have been disconnected and I have tried to find the name of the collection agency on the internet ... and???? What is going on? I have never used XXXX XXXX and do not know what services they even provide!!!! Some one please let me know ... It is only {$37.00} and I will pay it if I know what the bill is for!
|
| 02/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
|
XXXX accepted multiple accounts opened in my name by indetity theft. my name is XXXX and it was opened under " XXXX - a clear indicator this was not me. I have all the paperwork and police reports dating back to XX/XX/2012 when this started, however XXXX still has these accounts in collections which is effecting my credit. please help, how can i resolve? Can i send this paperwork for you to review? i can not reach anyone at collections agency to help me get this removed from my report
|
| 01/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt.
I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.
|
| 11/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a call from XXXX. If you call this number the message states you are calling credit management. I do not know what this call could be regarding. The person that called me, the person that answered when I called back, and the manager refused to identity who they were calling on behalf of unless I gave them my personal information. I do n't know if this is a scam what the call was regarding. When I refused to provide my personal information they would disclose nothing to me.
|
| 10/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX had an accounting error regarding an outstanding balance due on my closed account. This was then sent to a debt collection agency, Credit Management. XXXX XXXX agreed to resolve the error and request that the debt collection be removed from my credit reports, by contacting the collection agency, Credit Management of XXXX XXXX XXXX, XXXX, TX, XXXX. The collection notice was only removed from one credit reporting agency ( XXXX ), however, not removed from XXXX and XXXX.
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
My mom passed away XX/XX/2016. XXXX turned her over for collection. The first collection agency closed their file. She died with no funds. The second agency XXXX turned over the account to let a certified letter sit for XXXX week at the post office, therefore, allowing the XXXX day dispute time to elapse. I sent this company the death certificate in the letter. The day they finally claimed the letter, they sent another general collection notice out. The usps tracking number is XXXX
|
| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted Credit Management LP in regards to a dept for XXXX. I spoke to them and agreed to pay if off in full in two installments one of XXXX on XX/XX/2020 and the other on XX/XX/XXXX for XXXX They drafted XXXX on XX/XX/XXXX the on the XX/XX/2020 they drafted {$370.00} and today on XX/XX/2020 another {$180.00} they have took out double the amount that was owed.
The company is called Credit management LP XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX the reference Number # XXXX XXXX
|
| 06/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Between XX/XX/2022 and XX/XX/2022, a new account in collections was added to my credit report. The collection agency is CREDIT MANAGEMENT LP and the original creditor was XXXX XXXX XXXX. The open account has a balance of {$240.00} and was opened on XXXX. I do not live where XXXX XXXX is available and the account was opened fraudulently through identity theft. I've tried to contact XXXX XXXX without success and will be reaching out to CREDIT MANAGEMENT LP during business hours.
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is debt I have no knowledge of this debt and I have told these people this repeatedly although they keep calling me they placed this on my credit report without my permission and refuse to remove it unless I paid them this amount owed by someone else. I refuse to pay this and they refuse to remove it from my credit report this is fraud and it is illegal they did not contact me by mail or phone until after I contacted them to remove this information off of my credit report.
|
| 04/26/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My brother received a letter at his address with my name on it that states I owe someone {$11.00} for some service? I'm not aware of any such debt? Service debt amount is as of XX/XX/22 and letter is dated XX/XX/22.
I have no idea or recollection of any service or company name. They are giving me deadline of XX/XX/22. My brother sent me a text message/ copy of the front side of this notice ; I do not have a printer to print out this letter to see the back side of this letter.
|
| 03/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Was notified via mail by Credit Management L.P. in which i responded withing 2 days to dispute the validity of the debt owed, I specifically asked for validation of the debt which i sent via certified letter which Ive attached to this complaint, Credit management never responded within the 30 days allotted by law, Credit management knowingly added this debt to my credit file without validating this debt as i demanded.
Proof of my request will be attached to this complaint.
|
| 03/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Within the last 6 months, Ive sent Multiple disputes and FTC report to credit management and to XXXX XXXX and XXXX XXXX. for some reason this account for {$42.00} with credit management keeps coming back verified and Im sure of how its being verified. One the account is fraudulent. Second Ive never done business with credit management Ive never answer into a written or signed contract I have said multiple times this is not my debt I do not assume responsibility for this debt
|
| 01/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
|
| 10/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXXXXXX is reporting that My account is open and showing me late on Payments. The Account is closed and has been Sold to The Offices of Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Reference number with Credit Management is # XXXX.
I have asked for Documents regarding this account and they have refused to send me anything.
I am willing to clear this up and make payment arrangements, however this does not seem legit.
|
| 03/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I opened my XXXX XXXX account to see a closed collections account. The company, " CREDIT MANAGEMENT LP '' was reporting that I had an account with them related to XXXX beginning on XX/XX/XXXX. I never received any notice of this debt. I never paid this debt. This debt was never verified. I also had changed addresses during this time period, and kept an open account with XXXX the entire time. I have tried to dispute this account via other means without success.
|
| 09/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
ON XXXX XXXX TOLD ME THEY WILL NOT CONTACT ME ANY MORE TO MY PHONE NUMBER XXXX. UNFORTUNATELY, ON XXXX CREDIT MANAGEMENT SENT ME XXXX ILLEGAL AND UNWANTED TEXT MESSAGES TO MY PHONE NUMBER FROM THEIR PHONE NUMBER XXXX. I HAVE ALREADY TOLD THEM TO STOP CONTACTING ME BUT THEY CONTINUE TO CONTACT ME WITH THEIR ATDS. THE TEXT MESSAGES I RECEIVED FROM THEM WERE NOT SENT BY A HUMAN BEING BUT AN COMPUTER PROGRAM THAT STORES MY PHONE NUMBER AND SENDS OUT MESSAGES AUTOMATICALLY.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
|
| 07/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I currently have a debt under my name for past due tolls from NTTA ( north Texas tollway association ), however, I have in the past disputed, said balance with NTTA, because I am military. I am enlisted in the United States XXXX XXXX, and have not even lived in Texas in since XXXX. The vehicle listed under the tolls, was a XXXX XXXX that I have not owned since XXXX. This debt should not be under my name, these tolls were not perpetrated by me. The vehicle is not mine.
|
| 01/01/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed this company date of debt with XXXX, This company maintained that the date of debt was on XX/XX/2023. I had proof that a different collection agency had the debt listed starting back in XXXX XXXX. It is for the same amount & original creditor XXXX. The debt was removed from credit report for a couple months then reappear with This company stating it was new debt to which it is not. They are changing the date to change the statue of limitations in my state.
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it.
|
| 12/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by phone and requested the details on the debt in question and informed the representative that this bill was paid. She refused to give me any information other than the amount I owed to the university of Minnesota. I informed her I needed more information such as a copy of the bill, the account number, date of service, but she said she doesnt have access to that information. The payment was completed and they filed the inaccurate debt afterwards.
|
| 07/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING.I have a a unverified account from CMI GROUP # XXXX. I had previously disputed this account. I have never done business with CMI GROUP # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI GROUP # XXXX I DEMAND THIS ACCOUNT BE DELETED UNTIL PROOF OF CLAIM IS PROVIDED.
|
| 08/14/2017 |
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
|
|
Web |
|
|
I made payment to CMI who collected on behalf of XXXX for an outstanding debt.
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me.
ref # XXXX
|
| 05/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CREDIT MANAGEMENT LP has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX and XXXX that do not belong to me with a past due balance of {$370.00}.
i have never done business with CREDIT MANAGEMENT LP or any one they are collecting for, i have never signed documents, contracts or any agreements with CREDIT MANAGEMENT LP, i have provided this company with my social security number, private address or any personal information.
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2020, contacted company on credit report, credit management, at XXXX, concerning entry to credit report. I let them know i do not owe XXXX, it was paid im full and that i have a confirmation number to prove it from XXXX, and XXXX billing dept number to confirm. So the agent told me that they would bring it to a {$0.00} balance. I said no remove the entry to my credit report because its done in error and indo not owe XXXX. The company refused to remove it.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This has been reporting in my credit for almost three years now I have been filing disputes with XXXX XXXX and XXXX with no success. I filed a dispute directly with the company in XXXX of 2022 showing them where I have lived in ga for over 5 years before during and after the date in question of when the account was opened. I reside in ga this account was opened in Virginia somewhere. They still would not take the account down and I have exhausted every option.
|
| 12/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We have returned all equipment to XXXX XXXX. During the time we subscribed to their services between XXXX lightning had ran into our unit which they promptly replaced. The unit which was replaced was taken by the technician that fixed the problem. We have paid in full and returned all equipment. We have talked to them 3 times in the past 90 days to resolve the issue. The last lady we talked to said she did not see where anyone had put in a search for the item.
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I found about the debt on XX/XX/2020 Via my credit monitoring service. I immediately reached out to the collection agency and original creditor. Upon speaking with the fraud department of the original creditor they verified I never had an account with them. The collection agency credit management also verified they did not have the correct person I notified them I was victim of identity theft last year but they refused to remove the credit entry in my report.
|
| 07/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was contacted by Credit Management , LP multiple times by an automated dialer used to recognize the person answering by voice. They would never say anything until I redialed the number and then I would reach someone, this happened as recently as XX/XX/2019 at around XXXX.
I asked them to verify the debt but they have no information to verify and they transferred me to XXXX/XXXX fraud center and they don't have enough information to verify the debt either.
|
| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit Management LP d/b/a XXXX XXXX I returned my cable box to XXXX when I cancelled my service with them, and they charged me {$82.00} for this box. I was able to dispute the bill and have it removed from XXXX and XXXX, but it is still showing on my XXXX credit report, and I can not get them to remove it. When I disputed it with XXXX, the response was that it is valid - completely different than the XXXX and XXXX credit responses. I do not owe this debt.
|
| 11/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CREDIT MANAGEMENT is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a XXXX rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit.
|
| 04/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
|
| 09/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had.
|
| 02/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The Collector Failed To Validate Debt Which is a violation under Fair Debt Collection Practices Act ( FDCPA ) Dispute was Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE : CREDIT MANAGEMENT LP DISPUTE REASON : Accuracy There were fraudulent charges made on this account.
The " Account in Dispute '' remark is missing or incorrect.
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
|
| 02/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I received a collection bill from XXXX. They are stating that I owe them XXXX due to breaking a contract, when I wasnt under a contract. I lived in XXXX for 3 years. During that I time, I used XXXX for internet and cable. I moved to TN and XXXX does offer services in this area. When I spoke to XXXX, I asked from a copy of the agreement that I supposedly made but didnt hear back from them. They sent the collection notice to Credit Management in XXXX, TX.
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.
|
| 06/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter in the mail dated XX/XX/2021 from Credit Management stating that owe XXXX XXXX XXXX XXXX XXXX XXXX in the amt {$1900.00}, I didn't receive the letter until XX/XX/2021but the letter is dated for XX/XX/2021. I advised Credit Management that I have been a victim of identity theft and I have a police report. I was told by a company representative that I would have to send documents in to prove that I have been a victim of identity theft.
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
Credit Management has XXXX inaccurate items on my credit report. XXXX I called last XXXX they have it dated as XXXX per XXXX the date was XXXX. They changed the date only to re age the bill again this XXXX Now they have XXXX internet and the date is XXXX. We were living with my father in law from XXXX-XXXX. This bill would be from XXXX. The Re aged this bill and when I call they hang up on me and will not correct their errors that they do intentionally.
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is continuously reporting a false, unverified collection account. I have sent written communication and ask for proper proof of this collection. They have not provided it. I have stated my rights in regards to the XXXX and this account has yet to be resolved. This is a violation. I have request physical verification of the original signed consumer contract. It has not been provided and I want this account deleted from all bureaus immediately.
|
| 08/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.
|
| 02/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive sent a letter to this company a few times requesting validation of the debt they are reporting, not verification. They continue to ignore my request of the proof of me having any obligation to pay them. I asked that they provide a signed agreement or any other supporting documentation that binds me to them and they have not. Im requesting that this debt be deleted with the credit bureaus but this company continues to report delinquent information.
|
| 12/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was falsely accused of not paying an internet bill from XXXX XXXX XXXX. Months after the alleged delinquency, a collection agency was commissioned to contact me and collect the amount owed. The issue ended up being a clerical error on XXXX XXXX 's part. I verified that the bill was in fact payed on time and provided proof. The claim was removed and they corrected the problem. Now it has affected my credit score and I want it removed from my records.
|
| 03/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I received a notice from Credit Management XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX FILE # XXXX Date : XXXX The notice stated that I owe {$47.00} to XXXX XXXX for a government phone which I get for free. The phone number is XXXX Since this phone has been free to me for at least the past XXXX years, I don't understand why I owe any money.
Furthermore, I have never been billed by XXXX XXXX for any service for this phone.
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received at least 3 other collection agency attempts of collections on this issue ; I have provided all of them ( including Credit Management ) with Identity Theft documents via certified mail. They immediately closed their file back to XXXX XXXX? and ceased and desist! Now I get yet another collection agency attempting to collect on a debt that has already been documented as a disputed debt as NOT OWED! Isnt that the definition of harassment?
|
| 09/16/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit management XXXX XXXX XXXX has sent an {$84.00} charge to collections that is false and doesnt exist. They never sent any bills or have any proof. XXXX themselves, never sent a bill or said anything about any money owed when I simply switched addresses. The company has many people who do not know their job. It is clearly a mixup and they are simply lying to get money they do not deserve. There are many reports of this deceit from this company.
|
| 05/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Credit Management LP on XX/XX/23 stating I owed money to XXXX XXXX XXXX. at XXXX XXXX XXXX in the amounts of {$410.00} and {$470.00}. I believe these charges are erroneous and fraudulent. I wrote back to the Credit Management LP asking them to provide evidence of the charges including the service and date. They wrote a letter back without providing any evidence other than stating XXXX XXXX XXXX. is trying to collect a debt.
|
| 01/30/2019 |
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
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account CREDIT MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT MANAGEMENT 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.
|
| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i chched my credit report and noticed i had a collection from Credit Management LP that was opened XX/XX/2021 for {$320.00} with account number starting with XXXX that I do not recall and am not liable for. I never entered into a signed contract with credit management. This inaccurate collection is not mine. i would like all collection activity to cease and for this inaccurate collection activity to be removed from my credit report immediately.
|
| 06/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debit for {$800.00} from XXXX XXXX or credit management lp via certified mail Several times. I never opened the account I was told the account was made in Nevada which I have never lived. The company will not provide and documents to prove I opened this account. I have not been provided anything to accurately dispute the fraudulent account. They keep saying the debt has been verified when I know I did not open this account.
|
| 04/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 I received a letter stating that I owed XXXX XXXX a sum of {$610.00}. At the time, I put it off because I believed it to be false. But, over time I kept getting repeatedly called about it. I was told by XXXX that I made a purchase of {$610.00} out of state. While I do have an account with XXXX XXXX, I have never made a purchase of this amount with XXXX XXXX. The company attempting to collect this debt from me is Credit Management LP
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They are claiming I owe money to Credit management LP a collections company attempting to collect on a debt for an account with XXXX from years ago. I have never in my life had an account with XXXX until about 3 months ago I got internet from them. Ive tried to have them remove this from my name but its still on there and XXXX XXXX will not remove it from my credit report until they verify it with them and its negatively impacting my credit.
|
| 07/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The main company XXXX ( XXXX XXXX ) gave my information to credit management to collect money from me on an account that I never had with them. They gave my personal information to credit management without my consent for a balance that I never owed. I have a collection on my credit labeled as due to natural disaster and I called both the collection agency and the original creditor and they both can not find an account under my name and SSN.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 I checked my credit profile at approximately XXXX CST and upon viewing my report I noticed erroneous and fraudulent accounts on my profile. The accounts that are not authorized by me are as listed : XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1700.00} XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1500.00} XXXX XXXX XXXX Account number : XXXX amount : {$53.00} XXXX XXXX Account number : XXXX amount : {$180.00}
|
| 04/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Today XX/XX/2022 I received a notice from a company called Credit Management that I was in collections for a debt owed to a company called XXXX XXXX XXXX based in XXXX, TX. I live in XXXX, TX and have absolutely no idea what this debt is about. I have never received notification prior regarding this debt or what, when or where services were rendered. I looked up the website for XXXX XXXXXXXX XXXX and numerous complaints exactly like mine.
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed my credit score dropped dramatically.
today i checked my credit report through XXXX and found collection account {$370.00} pass due as of XXXX, XXXX
Account Name XXXX XXXX XXXX XXXX Also Known as XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT TYPE COLLECTION RESPONSIBILITY INDIVIDUAL ORIGINAL CREDITOR : XXXXXXXX XXXX.
This is account doesn't belong to me. I don't even have XXXX cable account.
it is fraud and wrong information.
|
| 03/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : CREDIT MANAGEMENT # XXXX, DEPT OF EDUCATION/XXXX # XXXX, DEPT OF EDUCATION/XXXX # XXXX, DEPT OF EDUCATION/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. They are in violation of FDCPA XXXX.
|
| 08/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
although i this collection wasnt mines i decided to call the company to resolve the collections since it was really harming my credit. this acct is not mines and i actually had requested a signed agreement. i dont even know what type of debt is this the service rep told me that if i will pay the debt in full that they will remove the collection out of my report. they recently gave me a letter of deletion but the debt is still reporting.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.
|
| 03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The only notice that I received of this debt or any attempt to collect this debt was through my credit monitoring service that indicated that I had a collections record. I researched with my bank and found that is amount was already paid to the original creditor before it was reported to my credit. This tactic is unfair- I could have provided proof that this debt was paid rather than having my credit ruined because of {$140.00} dollars.
|
| 09/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Credit management, Added a debt t my credit file, but I have not received any correspondence for me to verify and establish his debt as a verifiable debt. They added to report when they new i never new about a debt that I have previously paid and closed out with XXXX. Per, Fair credit reporting I have this right, and to add to my credit report like i don't want to care of a deb shows tactics that are not in fair crediting reporting act,
|
| 06/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I continue to receive phone calls from XXXX. When I call back they answer " XXXX '' They are looking for someone else. I have told them NUMEROUS times I am not the person they are looking for and to remove my cell number from their records. They always say they will and then the phone calls continue. this has been going on for six months. When I call back they will NOT give out any info on the Company making the calls and Hang up on me!
|
| 05/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
an unknown account that is not mines have damaged my credit as well as been reported in error. this account is mine, they also removed it back in XXXX because it is not my account and said they would remove all my information from their databases and Credit bureaus but today XX/XX/XXXX and debt collector by the name of CREDIT MANAGEMENT L, this is not identity theft and is going against the fcra i want this removed immediately FOR GOOD
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom it may concern, I noticed on my credit report, a charge for {$39.00} from credit management LP, without any notice. I never received any letters from spectrum or credit management LP.
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX is claiming a debt that is not owed ; this occurred in their error.
I have 2 accounts under the same address and name with one paid in full and one made in error from a XXXX representative. This has caused a huge impact on my daily living right now. I have spoken with XXXX and this is what they have supplied to me XXXX request XXXX This code is what a new representative made ; asking his supervisor to dispute this account.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 rights to privacy.
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten 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.
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I spoke to XXXX today ( XX/XX/2022 ) explaining that I do not have a debt with XXXX. I cancelled service and returned the cable box equipment to the nearest office. From that initial point of cancellation, whatever balance I owed was satisfied. There hasn't been any notification thereafter about any remaining amount due. I don't owe anything more. Please remove my name and the connection of this collection error from the data base.
|
| 03/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a notice from my new monitoring service regarding an account from CREDIT MANAGEMENT LP from date XX/XX/2018 in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$370.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
|
| 05/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Credit management reported a debt to credit report for a debt that is not mine.
The company is ( XXXX ) for {$100.00} The account number is XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX.
XXXX, Illinois I dont have a middle initial and I have never lived in XXXX XXXX Illinois XXXX The account information says this was during the year 2021 I have lived at my address in Mississippi for the past 14 years. This is not my account.
|
| 11/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
" CMI '' and " XXXX XXXX XXXX '' and " Crdt Management '', probably CMI Group, has been calling me every day, at random hours including before XXXX XXXX, utilizing a different phone number pretty much every time, making blocking their calls impossible. Their constant harassment has nearly caused me to lose my job, and I have gotten written up at work because my phone constantly ringing is a distraction to customers and coworkers.
|
| 12/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account.
2 Deletion from all consumer reports.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 open end consumer credit plan as late for any purpose
|
| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CREDIT MANAGEMENT LP is making a false claim that XXXX XXXX Equipment was never returned. In fact it was returned directly to XXXX XXXX and XXXX XXXX has now allowed us back. This was explained to Credit Management LP and they still refuse to remove the debt from my credit report. They were also given a cease and desist letter that they also refused to acknowledge. I want this removed from my credit report because it is false.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed.
|
| 10/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out and cancelled this account XX/XX/2022. I have already spoke with customer service last year for sending me to collections for charges after XX/XX/2022 and it was cleared and now I just had a new notice on my credit report for charges from XXXX XXXX XXXX at an address I had cancelled and did not live at the time.
This has now been fixed for the second time and the debt collector on my credit report is incorrect
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I recently looked at my credit report and noticed this company XXXX XXXX XXXX is reporting a collection on my report. Unlawfully incorrectly and this is hurtling my chances of getting a home. I will pay what they said I owe under one condition.
1. The validation of the debt 2 verification of their claim you ; that is a signed invoice 3 a copy of the contract binding both parties IF THEY CAN NOT NO PROVE THIS PLEASE DELETE
|
| 03/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Old account with XXXX XXXX where debt was owed in XXXX of XXXX has been paid in full as of XX/XX/XXXX. Debt collection company, Credit Management LP refuses to remove collection and continues to falsely report on credit report as derogatory and seriously past due with no current balance. Attempts have been made to dispute collection and Credit Management , LP continues to report debt as accurate which is simply inaccurate.
|
| 12/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've disputed this alleged account ( XXXX ) this year and previous years via multiple collection agencies and it was proven the alleged debt ( XXXX ) wasnt mine. When this took place the item was removed from my credit reports. This debt was purchased from a portfolio of debt and im tired of being taking advantage of. I've seeked counsel to help resolve the issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
|
| 08/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX reported a debt collection of {$40.00} regarding XXXX XXXX. On XX/XX/2019, I called XXXX XXXX XXXX. They reported I don't have an account with them. They advised me to call Credit Management since XXXX XXXX reports the debts collections to them. I called soon after. Credit Management stated I don't have an account with them as well. There is no report anywhere that I owe {$40.00} with XXXX XXXX not Credit Management.
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
multiple phone calls with no voicemails over the course of 2 weeks - recently upgraded to sending multiple text messages as well that do mention the company involved... i contacted said company and they have confirmed multiple times that no accounts under my information are in any kind of default/were not sent to any collection agencies. can not get live agent from collection agency on phone to tell them to cease contact
|
| 11/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Contacted Credit Management LP in XXXX in regards to the validity of the alleged debt. Followed up in XXXX to see if the company had received any word from XXXX regarding the {$290.00} outstanding balance. I have never received a copy of the signed contract or showing that the debt belongs to me and as of XX/XX/21 the account was listed on my credit report as a collection and not reported that I disputed the account.
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX, XXXX. a company I have never had an account with placed a collections on my credit report. I contacted this company to tell them I paid XXXX directly and would like them to remove this account from my credit file as I have no relationship with this company. The young lady I was speaking to was rude and hung the phone up in my face. I have filed a complaint with this company regarding that lady 's behavior.
|
| 08/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There is a collection company that keeps putting an amount on my credit report. Every time I get it removed, they change the account number and put it on again, with a different date too.
Their name and address is : Credit Management XXXX XXXX XXXX XXXX, TX XXXX It says it 's for XXXX XXXX XXXX, however I have NEVER had service with XXXX XXXX. I 've always had XXXX.
No matter what I try to do, they will not stop.
|
| 11/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.
|
| 07/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT MGMT Account Number : XXXX
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit Management is collecting a debt that I do not owe. I paid this debt to XXXX XXXX XX/XX/XXXX. Credit Management has it on my file from XX/XX/XXXX. This is outside of the obsolescence time frame for staying on my bureau.
I called Credit Management today and they said they do not even have the account in their office. They said it was " withdrawn '' by XXXX XXXX ... yet it continues to be on my credit files.
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am filing a dispute on this collection that is not mine. I have contact XXXX to verify this and with all the information provided, XXXX has found no info pertaining to this.
I also contact the collection agency which gave me some info, such as the address that this account is linked to. Address is link to business in XXXX, GA. Which I have nothing to do with. No business or I do not live anywhere near there.
|
| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDIT MANAGEMENT LP Last reported XX/XX/2020 {$610.00} Open balance 11 XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name 11 XXXX XXXX I had this debt resolved by Consumer Finance before under another debt collection and now it is back again. I was not the person who had this account..
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The account was settled on XXXX XXXX XXXX. I have contacted Credit Management LP multiple times to request the closure of the account to XXXX balance and deletion from my credit report. However, to date this issue remains and continues to negatively impact my credit rating. Therefore, I am demanding the IMMEDIATE deletion of this item from my credit report, close this account, and cease all collection actions.
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.
|
| 03/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I received a letter from " Credit Management , L.P. located at XXXX XXXX XXXX, XXXX, TX XXXX. They say they are collecting this debt for XXXX. The the amount is for {$500.00} for the year 2013. I contacted XXXX and they say they can not go back that far in their records. They also say this is a fraudulent account. I am also a victim of identity theft and I have a file located in the XXXX, NJ Police Department.
|
| 09/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted the company directly to dispute the debt they in turn sold the debt to a collection agency. I have disputed this debt 3 times already once was successful last year the two this year were not. I have not had service with the company since XXXX yet the debt is supposedly from last year at my previous address. I have had new service with a different company since XXXX. They refuse to remove the debt.
|
| 07/06/2021 |
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
|
|
Web |
|
|
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I went to apply for a house loan and I was declined. They told me that there was a collection account on my credit report. After getting the credit report I saw that Credit MGMT had put a balance of {$1300.00} on my credit. I dont know who this company is and I don't owe them anything.I send out a letter disputing this account and I have been waiting for weeks. I will attach the letter to my file
|
| 04/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.
|
| 01/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX account was closed and paid in full. There was actually a over payment that the company owed me.
A collection agency is trying to collect on an amount that is not owed. In fact this is the second collection company that has tried to collect money not owed to XXXX.
I have contacted XXXX to dispute and they supposedly checked and collection is correct. It is not!
I have documentation to prove
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I Disputed many time the validity of this account I have asked for proof that this is my account which I have yet to receive ( billing statement is not of form of validation ) I am asking that this be removed from my report as it is being reported by different companies and the date of the account being opened is being re aged which is illegal I have attached copies of how it is being reported thank you.
|
| 04/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report.
Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My social security number has been comprimised and I am receiving debt collection calls regarding XXXX XXXX Unpaid bills. I mentioned to the the debt collector that it is fraud. They insured me that they flagged it as fraud. I recently received my credit report and it shows as uncollected. I never lived or have any knowledge of the address of service. Its located in a different state that I never visit.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit Management LP with Account # XXXX is showing on my XXXX and XXXX Reports, yet I have never had an account with this company. I contacted them yesterday as well as today and they stated they couldn't find an account with my information. I asked them to remove the erroneous information, but they stated there was nothing they could do. I requested a supervisor and they stated no one was available.
|
| 09/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My XXXX account on XXXX XXXX has 2 medically related debts. From XXXX XXXX. of XXXX. 1in amount of {$150.00} & 2nd in amount of XXXX .
This is a medical debt and I always had insurance. I had XXXX and XXXX at this particular time because I was put on XXXX.
XXXX in XXXX XXXX removed the bill for $ XXXXbut not the {$150.00}.
This is a billing error with XXXX XXXX XXXX and bill is getting resubmitted
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The CMI Group d.b.a Credit Management , LP is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Credit Management can not provide any proof that I entered any legal contract with them to even attempt to collect an alleged debt. I've sent letters letting Credit Management know under FDCPA 15 USC 1692g that I am requesting proper validation of this debt.
|
| 10/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Checking in my XXXX XXXX account, which I do often, saw a new derogatory mark for a certain Credit Mgmt that lowered my score by 8 points. I have no idea what account it refers to, since I'm very careful with my payments, as my credit history surely shows. I would like to know what account was left pending, so I can either dispute or comply, so the derogatory mark is erased form credit history.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance to the fair credit reporting act, Credit Management LP, has violated my rights by reporting a debt of {$160.00} for Account # XXXX with XXXX, XXXX and XXXX credit reporting agencies .
15 U.S.C 1681 section 602a states I have the right to privacy.
15 U.S.C 1681 604a Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account with CREDIT MANAGEMENT is reporting on my credit report this account doesnt belong to me I sent them a investigation request letter to prove this account, belongs to me, which it does not, and I havent heard anything back. I would like for this to be removed off of my credit profile. $ {$2000.00} in a second account for {$450.00} this account doesnt belong to me please remove them
|
| 03/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone in the XXXX Texas area is opening accounts under my name for electric services and cable ... i have all ready call the collection depts and the companies. also called XXXX XXXX and XXXX of what is happening ... .the only identification i get is when they already did the damage and hear it from debt collectors ... .Dont understand why it keeps happening if someone is using my SS number.
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Credit Management LP has listed this account in my credit file as a collection account for XXXX XXXX in the amount of {$310.00} in XX/XX/2019. I disputed this account with XXXX and it was removed in XX/XX/2019 but was placed back on my file in XX/XX/2019. This company has never sent a collection notice, or a right to dispute notice. I have no knowledge of this account and where it came from.
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX was the original creditor imposed data charging for internet without notification then tried to collect. account as been sold several times to different collection companies after being disputed and removed from credit. now credit management company is claiming I owe them money and as ruined my credit with there false collection account. Ive never been in any business with said company
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I was living with someone and they used my information to open a Wifi account and didnt change it to her name after I called to cancel it so Im being charged for something thats out of my control. I didnt have the information for anything for the XXXX not the product to return when I called and reported my account needing to be closed due to someone using my SSN. They said they handled it
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is a account on my credit from XXXX that is with a collection agency called credit management. The amount for the debt collection is XXXX. Discount was made fraudulent. I never opened a account. Ive tried to resolve this several times Ive put in fraud claims theyve removed it from my credit several times and keep trying to put it back on there. This is not my account. This is fraud.
|
| 11/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 10/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received two letters, of which I am aware, from the offices of credit management stating that I owe XXXX to XXXX XXXX . I live in Alabama and have never been a XXXX customer. The mail to address provided was XXXX XXXX XXXX XXXX, TX XXXX.
I assumed the first letter was simply a scam as I have gotten scam debt collection letters before. When I got the second one I decided to take action.
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed an account placed on my credit report I have no knowledge of this account this is a result of fraud and I have no knowledge of this company the balance is XXXX I would like debt validation such as my signature on file or a document to prove this is my bill if no validation is available I would like this item remove from my credit report within 24 hrs or receipt of this notice
|
| 07/28/2020 |
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
|
|
Web |
|
|
I have a loan with CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 10/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got a debt collection hit on my credit report on XX/XX/22 for {$330.00}. Original creditor is XXXX XXXX. I try calling Credit Management LP about the collection and was told they couldn't help me dispute the collection since Minnesota is one the state they can't help. Issue is I don't have an account with XXXX XXXX. Never did. I never receive any mail, phone calls or email about it
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My XXXX account was turned over to a Collection Agency for none payment of a bill I was unaware of. I paid the Collection Agency just so they would mark it as paid and show on my credit report. However it is still showing as an uncollected debt on my credit report. I will dispute these charges myself personally with XXXX, but frankly the small amount owed isn't even worth my time.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management.
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service.
|
| 08/04/2020 |
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
|
|
Web |
|
|
I had a collection with XXXX that i paid and the company told me that they would remove the collection from my credit report with the credit bureaus after i paid it since it never should have been a collection in the first place. I have tried disputing it with the credit bureaus but have not been able to get it removed. Please help as it is affecting my ability to get a home loan.
|
| 12/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have made several attempts to get an unvalidated Cox Communication account removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the Cox Communication was confirmed by. I honestly do not believe anyone is doing an investigation because if so, they would be able to produce the documentation within the legal time frame.
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Company called me from a fake number see attached. When I picked up the company did not identify them selves when I asked who it was, just stated the name of the person calling. I asked again and they hung up. Company is described as Credit Management LP when I called the number back. Phone number I was contacted from does not appear in XXXX. Calls from other random numbers.
|
| 06/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
014 - Credit Management LP Credit Managemnt has told me this for a XXXX bill inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 06/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
014. Credit Management LP Credit Managemnt has told me this for a XXXX XXXX inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.
|
| 07/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2019 I sent a certified letter to the company, requesting the account to be verified and validated but the company failed to do so. They failed to send any proof that the account belonged to me. No contracts, no fee explanation they failed to send anything at all in regards to this debt of {$250.00} said to be owe to ( Credit Management ) XXXX XXXX dba XXXX.
|
| 08/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists CREDIT MANAGEMENT LP Last reported XX/XX/2023 {$260.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2023 ( 3 mos ) Account status Open
|
| 12/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Recently, a collection agency named XXXX XXXX XXXX contacted me about an outstanding balance I had with another company for {$250.00}. I informed them that the balance was due to equipment that was unreturned, but I had since returned the equipment, which negated the balance that was owed. But despite that, this collection agency reported this negated debt anyway.
|
| 08/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted about a debt on a XXXX XXXX XXXX bill.
I handed in my XXXX XXXX XXXX modem and box to the store and confirmed my bill was settled on the account.
Credit Management sent me a bill for this. It now has been reported on my credit report as an uncollected debt. It has lowered my credit score by greater than 100 points.
How can I get this removed?
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Credit Management LP account # XXXX, # XXXX, and # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may I receive a letter in mail from Credit management .Lp, that I owes {$780.00} for a utility bill which I have no knowledge off I don't lived in the state where the utility Company is located I call the credit Management and let them know I have nothing to do with this bill, I also called the utility company to informed I never and account with them.
|
| 01/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information.
|
| 08/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
In the collectors first communication they did not include the statement of the right to dispute the debt within 30 days. The collector reported the debt as valid to the credit bureau before the expiration of 30 days. They continued to report the debt as valid and undisputed to the credit bureau after I disputed the debt and requested validation of the thereof.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I called XX/XX/XXXX to inquire about this debt. Credit Management , LP informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX.
It still shows up on my credit report from the three bureaus. It shows up once from Credit Management , LP, again as XXXX, and again as XXXX account number XXXX as till owing.
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I moved in XXXX and disconnected my cable service with XXXX. There was a last bill and my daughter was still in XXXX and said she was going to pay the bill. She forgot to pay it and I finally learned of this a couple of months after the fact and I then began making payments to resolve this matter. XXXX has been paid in full and this can easily be verified.
|
| 08/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive asked for verification of the account. Ive asked for an actual bill showing that I owe this. I asked for the exact date. Ive never been sent anything showing me that this is my account. The amount listed on my credit report is {$1400.00} and it said collection was opened in XX/XX/2017. Ive disputed this with the credit agency but it didnt do any good.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I got a notification on XX/XX/23 of a negative account being reported to my XXXX credit file. I spoke with XXXX XXXX at CREDIT MANAGEMENT XXXX, who stated that they sent over notification to remove the account from my file due to the original creditor pulling the account back on XX/XX/23. That still do not correct the negative impact to my credit report.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have two collections account reporting on my credit with XXXX XXXX XXXX both for past due XXXX XXXX accounts. Both accounts were paid in full not settled. Payment was posted and both collections are still being reported as " OPEN '' and open balance as past due. I asked if they could email a receipt of payment and they stated they could but have not.
|
| 11/29/2017 |
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
|
|
Web |
|
|
1 ) Credit Management ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 ) XXXX XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
|
| 05/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company is fraudulently reporting information to credit bureaus and I have never done business with them neither have they ever contacted me about a delinquent account as I dont know who they are? I dont owe this company anything and they dont have a right to report any collections to a third party thats not a validated debt between me and them.
|
| 09/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company issued a alert with XXXX credit bureau about a fraudulent account opened in my name using my stolen identity my information was leaked due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX this accountbwas fraudulently opened in my name please remove this account immediately I've uploaded police report ftc report and cfbp report
|
| 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
|
|
Web |
|
|
the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts.
1 ) XXXX XXXX # XXXX 2 ) CREDIT MGMT # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information.
1 ) XXXX XXXX # XXXX
|
| 04/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hi. Mi name is XXXX XXXX XXXX. Mi email : XXXX Mi last SS digits : XXXX Today, XX/XX/XXXX, I received a notification from the app XXXX XXXX.
The app said that a company named Credit MGMT is trying to collect me a debt.
Actually, I am totally debt free. I do not know this company Credit MGMT. I think that some fraud is hapenning right know.
|
| 09/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Clear this report from my information, this account was resolved with another collections company ( XXXX XXXX ) in XXXX of 2023 through the CFPB ; An amount of {$300.00} is owed by a XXXX XXXX of Wisconsin, after explaining this to a representative of Credit Management LP on XX/XX/XXXX, no action was taken to clear this from my credit report.
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted on or around XX/XX/XXXX by Credit Management regarding a XXXX bill. I advised them I do not owe this debt as this was attempted already by another collection company that could not validate this debt. I asked for something with my name and signature and they didn't provide it but added a collection to my account on XX/XX/XXXX.
|
| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I filed a complaint on XX/XX/2023 on this same company for stealing my identity from XXXX. I received a COLLECTION LETTER in XX/XX/2023 I did not agree to a contract with either of these entities. Credit Management closed this matter earlier this year and this is the second time they are sending me a letter dated XX/XX/2023, received today.
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
A collection of {$520.00} appeared on my credit report on XX/XX/2020 for a bill that was included in my bankruptcy. I called Credit Management LP on XX/XX/2020 to explain this should not have been reported to the credit bureaus. They told me they would notate that my account was a chapter XXXX bankruptcy but did not give me any resolution.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company has sent no validation/ contract showing that I owe {$120.00} despite me requesting it. They have also refused to provide proof that they own this debt and have the right to collect. After speaking directly to the original creditor on XXXX and confirming that I do not owe, it still has not been removed from my credit report.
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP is trying to collect a debt from me that I do not owe. My XXXX report was reflected a " unpaid '' account status and I've never entered into any business with this company. This entry is defamation to my character, I will not hesitate to file a suit against you in small claims court for this violation of my rights.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
A company called Credit Management sent a bad debt notice to credit agencies for a debt that I do not owe. I contacted them over a week ago and have not heard back a word while their mark on my credit report has affected my credit negatively in a substantial way. I need to make them responsive in order to get this bad mark removed ASAP.
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This XXXX XXXX debt was never mine as I have NEVER lived in XXXX over the age of XXXX, never applied for credit, nor service from that company. Additionally, I made this known as suspected identity theft and the item was REMOVED from my credit report. However, it has been re-added saying that it is an open account as of XX/XX/XXXX.
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CREDIT MANAGEMENT LP AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. XXXX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has called me 8+ times on two different numbers asking for someone I'm not associated with. I answered 5 times asking each time to be removed from the " do not call list '' and yet they still call daily, this has now become harassment in my opinion.
Phone numbers I was called from : ( XXXX XXXX XXXX ( XXXX ) XXXX
|
| 03/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.
|
| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Pleas check your records. I paid this debt off over 7 years ago and it was just {$190.00}. I paid it off, they refused to allow me access to the number I had been assigned. I wanted to keep my phone number. However, I did pay this off and for 7 years this is just hanging around. Please stop reporting this paid in full account.
|
| 07/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I checked my Credit Report and saw a collections for {$580.00} from Credit Management LP. It states the Original Creditor is XXXX XXXX. That the account was opened XXXX 2022. I have no idea who XXXX XXXX is. I have looked them up online and I do not know who they are. I have not recieved any communication from either company.
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Hi, I have got calls/Letter from Credit Management XXXX to collect debt. I have disputed the debt and requested details of the calculation as I do n't own any debt for XXXX. Credit Management XXXX is not able to provide any details of the debt verification.
I will appreciate your help in resolving this issue ASAP.
Thanks
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account info Account number - Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/202XXXX XXXX
|
| 03/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had received a letter saying that I have a debt from XXXX XXXX saying that I owe money, when I dont live in the places that XXXX XXXX services to and I dont have any phone bills or bills in general with them. I live in california and the only bill under my name that I pay for currently is my only credit card bill ( XXXX )
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I paid XXXX {$60.00} on XX/XX/21, because of a bill they said I owed. When I pulled my credit report, the bill had been reported the the credit bureaus and they did not afford me the opportunity to dispute this amount, because I never used their service and the equipment was returned. The debt is still on my credit report.
|
| 12/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX.
I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance.
XXXX isn't even a cable provider where I live!
|
| 11/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit Management LP XXXX XXXX XXXX, XXXX XXXX Piano, TX XXXX Placed a debt ( XXXX XXXX / XXXX ) that has been paid in the Credit Bureau.
I called to inform them that bill had been settled with XXXX XXXX XXXX , XXXX .
XXXX XXXX XXXX XXXX, NY XXXX The customer service person didn't want to hear it and placed me on mute.
|
| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have received a collection on my credit report from Credit Management I have not received any mail allowing me to dispute the validity of this debt before they put it on my credit report. Once I have received that I will pay any debt in full once I have reviewed it.It needs to removed from my credit report until then.
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have had no contact with this company. They put this on my credit report, dropped my credit score by XXXX points. This was identity theft someonenin Texas has been using my information to get medical attention and now to get cable services using my information in Texas. Somewhere i have never visited let alone lived.
|
| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CMI collections has repeatedly called me about an account with XXXX XXXX XXXX XXXX. This account is still in dispute between me and XXXX and is not resolved. CMI has now sent debt collection info against my knowledge which has effected my Fico scores considerably. CMI and XXXX now refuse to communicate on this matter.
|
| 07/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months
|
| 06/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is a collection listed Credit Management for XXXX which was just seen on my credit file. I have no idea what this is for nor ever received anything about this, I requested validation via the mail and received NOTHING back. I have disputed this and nothing. I do not owe this unknown company anything. Please help
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection showed up on my report that I dont recognize I called the co. He proceeded to ask information from me but never told me who I owed when he asked for my ssi number and birthdate I hung up. The co is credit management Lp Ive since looked them up and now know its a scam I dont know how to get it off my report
|
| 12/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have never received information regarding my original debt from this agency despite attempts to have it sent to my house. I only know of two accounts due to pulling my current credit report. I will not acknowledge debt unless original debt is validated through statement provided by original company, as is my right.
|
| 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
|
|
Web |
|
|
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
|
| 05/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this account back in XX/XX/XXXX with collection company called Credit MGMT XXXX XXXX on behalf of XXXX cable. And they stated that they will have this item out of my account within 30 days. Now it is XX/XX/XXXX AND THIS ITEM STILL REPORTED ON MY CREDIT REPORT PLESAE HAVE THIS ITEM REMOVED! THANK YOU SO MUCH
|
| 01/04/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have noticed a debt of {$160.00} from XXXX on my credit report from a collection company. I never own it to XXXX. I reached out to both XXXX and the collection company who confirmed it and suggested me to fill and claim.
This account is not mine. I am requesting to remove this account from my credit report.
|
| 02/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please be advised, Ive sent numerous Communication to credit management in reference to a debt that I do not owe. this account is fraudulent and does not belong to me please see attached FTC report. I have never done business or enter into a signed contract with credit management lp Account number XXXX {$810.00}
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Receiving alerts, messages and phone calls about a debt that is not mine. I do not have and have never had services that I am being contacted about. I have never lived or visited the location of these debts. It is impacting my credit and my life. I can not provide dates or amounts because they are not my debts.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received, multiple letters and phone calls from credit management about an alleged debt. I received XXXX letter on or around XX/XX/21 with multiple violations under the Federally protected consumer rights/ USC . I have tried numerous times to resolve this issue with credit management LP and have had no luck.
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Credit Management LP, Diverified Adjustment and XXXXXXXX XXXX XXXX are attempting to collect debt that I dont owe to them. I sent a. Identity theft report and still no response. Ive asked to send me proof of debt like a signature or contract that I know they cant proof because I never did business with them.
|
| 08/28/2020 |
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
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit Managements is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. I never received any phone calls, letters, or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
|
| 06/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act Credit Management LP XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent a validation letter to Credit Management LP asking to validate the debt they are reporting I owe. In the letter I included my name, address, and the account # provided on all 3 credit reports. The company responded on XX/XX/XXXX stating they were unable to properly identify my account.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My mortgage lender ran my credit for a home loan and notified me of a collection that is preventing me from obtaining a home loan. After researching the collection, I know for a fact this debt isn't mine and was opened fraudulently. This fraudulent account is having an adverse effect on my credit rating.
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.
|
| 05/01/2022 |
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
|
|
Web |
Servicemember |
|
New Creditior : CREDIT MANAGEMENT LP Last reported : XXXX XXXX, XXXX {$1200.00} Open balance XXXX XXXX XXXX : Original creditor Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status : Open Type : Responsibility Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX
|
| 08/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDIT MANAGEMENT LP has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. CREDIT MANAGEMENT LP has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
|
| 01/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDIT MANAGEMENT is ruining my credit trying to collect a debt for XXXX that does NOT belong to me. It's not my name nor my address on the debt. Someone used my social security number for the debt that is NOT mine. This debt for {$890.00} does not belong to me. I did not open this account with XXXX.
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
They continuously call every day before XXXX and after XXXX. I have asked them repeatedly not to call me at those times. When I answer their calls, there is no one on the other end, it takes around 5 seconds or longer for someone to actually answer. If I try and call back they are rude and harass me.
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX entered a XXXX XXXX transaction on or about XXXX XXXX with XXXX. I not know who Credit Management L.P, I have never done any business with this company. I sent Credit Management L.P. a letter of debt validation that has never been answered and a Notice to Cease and Desist communication.
|
| 12/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have an account reporting on my credit as bad debt. I have never authorized this account nor have I given anyone else permission. I have no knowledge to how my personal information was obtained. But I do know that this debt is not mine due to the fact that I never had services with this provider.
|
| 10/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The first collection requst was from XXXX XXXX for TV service in XXXX XXXX about a year ago.
I disputed it and explained them that I never lived in Nevada and I did not receive any service from them.
They removed it from the credit report.
Now CREDIT MANAGEMENT LP revived it on behalf of XXXX.
|
| 09/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have an item on my credit report from Credit Management LP claiming the original debt was with XXXX. I paid this debt in full over 4 years ago and returned all the equipment. Credit Management LP also claims this debt started on XX/XX/XXXX of XXXX I have not had a XXXX Account in over 4 years.
|
| 02/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 03/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Saw company was negatively affecting my credit score when I received no notification of debt, says the original creditor was XXXX XXXX. Never owed XXXX XXXX 's the {$590.00} they are claiming I owe them. Did not give me a chance to request validation of debt and never notified me of the debt.
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im noticing that youre furnishing an alleged debt that I have noknowledge of. I hereby am disputing this debt and requesting proof of this alleged debt according to 15 usc 1692g this account is severely effecting my credit score negatively and impacting me from receiving new credit products.
|
| 09/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company is in many section of the fcra including but not limited too 604 and 609 i dont owe this third party collector upon asking for validation they can not give any i have not done business with this company and it needs to be removed asap this is really affecting my financial future
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
15 U.S. Code 1681c2 - Block of information resulting from identity theft My identity was stolen and used in different unauthorized instances. This is another result of that same ill advised and unauthorized act of someone using my identity. This is unfortunate and should be treated as such.
|
| 09/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with Credit Management LP, XXXX XXXX XXXX XXXX XXXX, TX XXXX. They did not provide me with the original application or contract bearing my signature like I asked. Therefore, they are unlawfully reporting this debt under my name to the credit reporting agencies.
|
| 02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I noticed a collection account on my credit report that is a result of fraud. The collection account is CREDIT MANAGEMENT LP and the original creditor is XXXX XXXX. I have never done business with XXXX or used any of their services. This account is not mine.
|
| 03/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter ( post card actually ) from Credit Management L.P. at XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Phone number XXXX. Reference # XXXX. They claim I owe {$850.00} to XXXX Internet Cable and Phone.
I have never had an account with XXXX, nor is XXXX even available in my area.
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP at XXXX XXXX XXXX XXXX XXXX TX XXXX has been mailing me collection letters via mail about a {$610.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company
|
| 02/04/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
An account was opened on XXXX for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '
|
| 07/14/2017 |
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
|
|
Web |
Servicemember |
|
I have contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
|
| 04/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.
|
| 01/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not a valid collection and it is time barred. I have reached out to the FCC and the XXXX to file a complaint against XXXX XXXX as they are unable to provide proof of debt or an accounting history or breakdown to how the balance came to be what it is with no notes in my file.
|
| 03/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The equipment and other cable boxes had been returned already, almost 3 years ago to their office. The receipts of that return had not been retrieved due to some unavoidable circumstance. Yesterday, for the first time, I received a collection notice in the total amount of {$300.00}.
|
| 05/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company is erroneously listing an account on my credit report. I've reached out to both the original creditor and credit management with proof this is not mine. It is still listed on my XXXX XXXX XXXX reports. XXXX has deleted the collection after investigation. See attached.
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Collections company posted two different amounts owed, one for {$170.00} and another for {$700.00}, on two different credit bureaus and wont respond to me on providing proof, after they have been paid. Credit bureau wont remove after Ive disputed with on experience and transunion.
|
| 08/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a notice that my account with XXXX XXXX, XXXX. had been turned over to Credit Management L.P. for collection. I have no business with XXXX XXXXXXXX XXXX and a XXXX search showed a long list of people who have been victims of fraudulent debt collection by XXXX XXXX, XXXX.
|
| 04/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.
|
| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A certified letter was sent to credit management on XXXX of 2019 for account XXXX and the amount of {$250.00} to dispute. The credit management responded by deleting the account and removing it from my credit, but unfortunately it was only removed from one bureau which was XXXX.
|
| 06/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit MGMT XXXX XXXX XXXX XXXX Tx, XXXX Date : XXXX Amount {$110.00} account NO. XXXX It was taken off my credit years ago, but it seem the company sells this account to someone else and put it back to my XXXX report. I demand it off or we will file a claims action law suit.
|
| 06/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received no notification regarding a collection account now appearing on my credit report. The company never contacted me regarding the account therefore I was never able to dispute the validation of the debt.
Reporting XX/XX/2020 with remarks affected by natural disaster.
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent letter requesting verification to this company more than 6 months ago. Advised company this debt does not belong to me and to cease and desist reporting this negatively on my consumer finance reports and the companies continue to report the debt as negative on my reports.
|
| 04/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing this due to non-compliance with the CREDIT MANAGEMENT LP. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST.
I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
|
| 11/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed this debt on my consumer report I asked them to provide me the original certificate of indebtedness and they ignored that and my dispute i disputed this to XXXX and said I was never given the original Contract this is a third party collector thats against the terms
|
| 10/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed {$850.00} to XXXX XXXX. I have never used XXXX and have never had cable. I went online and it seems they are sending out letters to people saying they owe money for Cable services they never received.
|
| 04/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
An old cable bill was sent to collections which i paid in full. they are now still not removing the account from my collections. I can not get approved for a mortgage due to these collections. i do not feel the company is acting fairly as i have paid my balance in full
|
| 08/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This bull was for a month of service that I didnt have with XXXX XXXX I dropped the box off a while after I had service stopped but they didnt close my account in the correct amount of time, raised my bill without telling me I was losing the package because I moved.
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collection account does not belong to me. I have no knowledge of how this could have occurred. I have never been in contact nor conducted business with the debtor. The original debtor appears to be XXXX cable in which I have never had services with them.
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have made multiple attempts to settle this debt with XXXX XXXX. The amount of the debt is incorrect and without any response this debt was acquired by the collection company named Credit Management Company in the incorrect amount of {$280.00} opened XX/XX/2020.
|
| 12/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction.
Original Creditor : XXXX XXXX XXXX.
Amount : {$430.00} Creditor information : XXXX XXXX XXXX
|
| 09/05/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please see my attached identity theft report. I have already disputed this account due to it being fraudulent, unauthorized and a violation of FDRA, and TILA. This company is unlawfully operating and illegally communicating and publishing inaccurate information.
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CREDIT MANAGEMENT LP {$290.00} In collections by XXXX XXXX I have documentation that I do not owe this amount to XXXX, I owed {$82.00}. This amount is highly fabricated, and highly inaccurate.
This account needs to show that it has already been taken care of.
|
| 12/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
this account was disputed with XXXX and was removed from credit report. few months went by and XXXX as sold the account to a collection agency who as reported that I owe them money when I've never been in business with said company which is CREDIT MANAGEMENT LP
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I subscribed to XXXX in XXXX 2014, but cancelled within my first 30 days of service. I also shipped back the equipment to XXXX within the 30 days as well, and now they are saying that I owe a fee of {$98.00} in which I refuse to pay, because I do not owe that.
|
| 04/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 12/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Credit Management Lp has a collection reported to the 3 Credit reporting companies that is part of a fraud investigation. The account number for Credit Management Lp is XXXX. I would like this to be removed from all Credit Reporting Bureaus as it is fraud.
|
| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
|
| 12/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Collection agency reported information on my report, and a debt is not mine. I called to resolve the issue however, the debt collector stated that it doesnt matter the debt needs to still be paid regardless. I am not willing to pay debt that I do not owe.
|
| 10/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This appears to be a mistaken debt claiming that i owe XXXX dollars.
I traced it back to a XXXX bill that was paid for. either that or this is identity theft.
i have disputed this with the other bureaus and they removed the charge as it was not correct.
|
| 07/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Multiple call have been coming from XXXX. They don't have my name but ask me to confirm my address on XXXX XXXX in XXXX, XXXX. I own two apartment buildings on that street. They will not reveal any of my information, or the purpose or intent of the call.
|
| 09/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I received too many calls without written statements.
They still reported to Credit Reporting atgency and damaged my credit.
I went ahead and paid including finance charge and requested to remove from my credit file No action.
I have proofs of payments
|
| 06/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX has charged me for a balance that I do not owe. I reached out to them and discussed the matter and they told me they would clear out the account to zero. A years later, this account is still appearing on my credit reports and compromising my score.
|
| 10/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.
|
| 08/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Date was XXXX Amount {$730.00} CREDIT MANAGEMENT Ive tried to dispute this with XXXX and they dont want to remove it XXXX has remove it I do not have any knowledge of this account I shouldnt have this on my credit it I did not authorized this account
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive tried to dispute this item and it came back that this is correct with is wrong information I have no knowledge of this account and I do not know who this account is in for me to be liable to pay for something that I have no knowledge of is wrong
|
| 11/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP- Amount {$230.00}, labeled under cable or cellular. I have know clue as to what this is and would like to have it removed from my credit report. It is showing first delinquency date back in XXXX and last reported XXXX/XXXX/XXXX.
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I FAUGHT LONG AND HARD ALONG SIDE WITH YOUR HELP AT CFPB AND THIS XXXX XXXX WAS DELEATED FROM MY FILE AS WAS PROVEN NOT TO BELONG TO ME AND THIS REAPPEARED ON MY CREDIT REPORTS, I NEED YOUR HELP AGAIN PLEASE TO DELEATE THIS FROM MY REPORTS PLEASE?.
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt was put on my report before by XXXX XXXX and XXXX XXXX then removed and sod then placed back as a collection with no notice still and no verification from any one. As well as they do not have a phone number or contact information listed
|
| 04/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account was opened inXX/XX/XXXX I moved to this address in XX/XX/XXXX I asked to get the accounts verified but ssn and nothing was done XXXX said that account was verify, but were not tell me how the account was verified with what information
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/22 - Received a letter from Credit Management , LP to collect an alleged debt of {$260.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX under File number XXXX but this is not my debt and now my credit is negatively impacted by this false claim.
|
| 11/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.
|
| 01/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.
|
| 01/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Credit management claims I have a outstanding debt of XXXX for a cable bill with XXXX. I currently have a account with them an I'm current on my bill with them. Please help me remove this off my payment history its tarnishing my credit report.
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid for a removal said they would take it off my account once I paid the XXXX company lied said I had to go on there website and asked for a removal. I want this off my credit report, They took my money and didn't make good on there promise.
|
| 03/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Resubmission - I reached out to them XX/XX/XXXX in a request for validation and they never responded as you can see with the attached green slips. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
|
| 03/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Credit Management LP is attempting to collect on a debt for XXXX that I do not owe. There are no records on file for XXXX that any money is owed. A collection has been placed on my credit report which has affected my home buying process.
|
| 06/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a credit collection notice in XX/XX/2018, it was for someone of a different name in a different state. I called them and told them it was sent in error, they did nothing. I disputed this with XXXX and they said it was valid.
|
| 11/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
The collection account was posted on my credit credit report from debt collectors. One from Credit Management LP with an amount of {$350.00} with original creditor XXXX XXXX. It was posted that it occurred from XX/XX/2023 - XX/XX/2023.
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 05/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am disputing the collections on my account as it is not my address and I never lived there and it is not my charge.
CREDIT MANAGEMENT LP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX thank you, XXXX XXXX XXXX
|
| 03/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've been recently made aware of a supposed debt to Credit Management. On XX/XX/2019 the debt was added to my credit report. I have no contractual agreement with this company and no proof of this debts validity. The debt is for XXXX.
|
| 12/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They have repeatedly contacted family members with whom I have never lived with, even after being told to cease contact by both them and me. I have asked for a written account for what they believe is owed, which I have not received.
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2022 I spoke with a rep from collection agency informing them of debt not being owed. I also had XXXX on the other line which said the account was never sent to an agency as it was paid in full at the time of disconnection.
|
| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I filed a dispute with the credit bureaus for inaccurate information on my credit report and they investigated it and it was deleted from my credit report for several months.And then it came back with a different reporting agency.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information 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
|
| 08/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is trying to collect a debt that is the result of identity theft. The originating company, XXXX XXXX, claim they have written off the account as there is no record of my ever having service with them in XXXX Arizona.
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The office of credit management called me and asked me to verify my identity and i sent them a letter to cist and desist. Also I sent them a method of verification letter. I didn't get a response but I still receive phone calls.
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company that is listed on my credit report is not only mine but is not licensed to collect this debt in the state of Florida per the fdcpa the collection agency has to be licensed in the state they are trying to collect in.
|
| 07/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i discovered on my XXXX report i have the following collection -Collection Agency XXXX XXXX Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX amount {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE
|
| 07/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made a settlement with Credit management and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
|
| 09/19/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get repeated calls for a collection agency trying to collect a bills that I do not recognize. I never received any bills regarding a medical bill due. I really need the collection calls and need some detail about this bill.
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Credit Management LP open a claim on my credit report FOR {$110.00} I repeatedly contacted the originator of the account letting them know that this inaccurate it`s not mine. my credit has taken a hug hit because of this.
|
| 10/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit Management by way of XXXX XXXX contacted me about a cable bill that was due upon disconnecting services. I paid the balance down to {$0.00}, however, the account is still showing as a collection on my credit file.
|
| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
account was opened on XX/XX/22 for the company XXXX XXXX for the amount of {$3600.00} was opened on XXXX, TX a city i have never been in my life. the company Credit Management LP open a collections on my credit report.
|
| 12/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, we received a letter from Credit Management in XXXX, TX dated XX/XX/2020. The letter claimed that we owed XXXX XXXX {$260.00}, but we have never been an XXXX XXXX customer. We would appreciate your help.
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw an account from Credit Management for XXXX XXXX for {$580.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.
|
| 12/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt collection on my credit report from an account thats not mine. It appears to be from a utility service through XXXX. The time frame specified for service is not applicable to a period where I had service.
|
| 05/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm seeking validation of this debt that is said to be owed, I have not opened such account with Credit Management LP.
I've reached out to XXXX, XXXX and XXXX multiple times and this such debt has not been validated.
|
| 05/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Called and asked for personal information over the phone. Never given information back. Charged {$63.00} unpaid against credit report. Will not tell why they are charging that amount when you call and ask the company.
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am monitorin g My Credit report and I contacted Credit Management XXXX XXXX , 2017 @ XXXX est. I have no contract with them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.
|
| 10/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this XXXX account on XXXX XXXX , 2017, of XXXX . I have confirmation numbers and account numbers to prove it. Credit bureaus are still saying they are owed, affecting my credi t FICO s core
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone fraudulently opened an account in my name in XXXX, Texas using my social.
XXXX XXXX Acct # XXXX {$100.00} Address : XXXX XXXX XXXX XXXX.
Unit # XXXX XXXX, TX XXXX This is not my account it is fraudulent.
|
| 09/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company refusing to remove a debt I dont know anything about never had XXXX XXXX I was in the hospital between XXXX to XXXX I asked credit management to remove this account and they have refused I am a XXXX senior.
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They call from one spec ific number, and I do n't answer, Seconds or minutes later they call again using a different phone number, but my call ID says its the same company. I do n't have any debts in collections.
|
| 04/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recent credit mgmt. posted {$780.00} for 11 XXXX XXXX for {$780.00} for individual account account that is in accurate and violates Federal Truth in billing disclosure act and TTC law. Must be remove immediately.
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. Original creditor- XXXX
|
| 08/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year.
|
| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit management LP is trying to collect a debt of {$210.00} not owed. this is not my debt i dont know who this company is and they have added a negative and derogatory mark on my credit score.this is illegal
|
| 07/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collections account notification on my credit report - however I never received any phone calls, mail or emails. I have never had the chance to verify the debt and so I have no clue what its for.
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2022, I was notified by XXXX credit monitoring that there was a collection for {$2900.00} put on my credit report for XXXX XXXX in XXXX XXXX, NY, a location I have never been to, let alone. lived in.
|
| 12/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.
|
| 06/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!
|
| 06/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.
|
| 04/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 03/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i have called XXXX XXXX XXXX and advised them this cable account doesnt belong to me. I have been a victim of identity theft for a while but they refuse to remove this account from my personal information.
|
| 08/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a copy of my credit report and there is a debt listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/17. I did not attempt to open any accounts with XXXX XXXX.
|
| 10/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I do not recognize this derogatory account listed on my credit report.
This account was paid in full with XXXX XXXX and I would like it removed immediately.
All dates are on the screenshot submitted.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP is attempting to collect a debt owed to XXXX XXXX for cable service at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. I have never lived in Oklahoma. I do not have cable service from XXXX.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
|
| 12/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have sent letter dated XX/XX/ to Credit Management to discontinue collection efforts as this debt is not mine. I have not received any communication other than an invoice for the amount on {$1100.00}.
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Credit Management LP is reporting a fraudulent account # XXXX on my credit files that I did not open. I have not received services, goods or money from this account. I am a victim of identity theft.
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a account reporting on my credit for utility services that I have no knowledge of. The debt originated from XXXX at a time where I know I didnt have services. This debt does not belong to me.
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.
|
| 06/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A strange note appeared on my credit report about a debt owed to a collections company somehow affiliated with XXXX XXXX. We don't use XXXX. We never have. I have no idea where this is coming from.
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have not received any documentation validating the debt that they are trying to. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
|
| 08/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to.
|
| 07/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company by the name of Credit Management LP has called and harassed me viciously regarding a debt they claim I owe to XXXX XXXX. Now they are sending letters to my home claiming I owe {$91.00}.
|
| 12/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I sent a letter to Credit Management LP asking they please supply me with information about the debt so i can be fully informed of the debt in question as to be mine. Please see attached letter.
|
| 08/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.
|
| 02/22/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I owe a past due to XXXX and the credit collector, Credit Management, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.
|
| 11/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this debt through a closing attorney and the Credit Management LLC said they would send a letter via email stating the debt was paid in full and they did not send it to me nor XXXX.
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is trying to collect a debt thats already owned by a different debt collector which is against the law and is trying to charge a different amount which is against the law as well
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not liable for the debt with so & so. They have not provided me with SSA Form 3288. I have not signed a contract with so & so, they did not provide the original contract as I requested.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a notification on my credit dated XX/XX/22 the inquirer named CREDIT MANAGEMENT LP a collection agency on my credit, this is fraud. I have also contacted all three credit bureaus
|
| 09/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There's debt from Credit Management ( cXXXX XXXX ) for {$300.00} from XXXX. I contact company and they advised my social security isn't matching. It hasn't been removed from credit bureaus.
|
| 02/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After reviewing my credit report I seen there was an account that I already paid in full and its still reporting and needs to be deleted, This is the account : CREDIT MANAGEMENT LP # XXXX
|
| 01/09/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone has used my information to obtain a utility in my name, in a state in which I do not reside. The utility company is XXXX XXXX. Delinquent amount is {$2200.00}, obtained XX/XX/23.
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX XXXX has contacted me and since I have failed to communicate with them during my work day, they are now contacting a family member, leaving messages for me on their voicemail.
|
| 12/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding.
|
| 11/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am not liable for this debt with XXXX Charter communications. I do not have a contract with credit management LP. They did not provide me with the original contract as I requested.
|
| 01/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
Credit Management Lp. Did not contact about a debit that they received from XXXX XXXX XXXX. They did not follow Fair Debt Collection Practices Act and Consumer Credit Protection Act.
|
| 10/13/2020 |
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
|
|
Web |
|
|
These are old accounts I've been XXXX for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not
|
| 10/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
While viewing my credit report I'd notice Credit Management Lp with a balance of {$470.00} which I do not recall. I will like documents bearing my signature of this assumed account.
|
| 11/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CREDIT MANAGEMENT IS SHOWING ON MY CREDIT REPORT AS IF I OWED XXXX XXXX {$270.00} THIS IS NOT ACCURATE, I PAID THIS BALANCE TO XXXX XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt was paid to XXXX and i was given conformation # XXXX. I want this removed from my credit report immediately. XXXX used hidden fees and charged me even without a contract.
|
| 05/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is a company named Credit Management LP attempting to collect an alleged debt in the amount of {$300.00} for XXXX. This debt is a result of fraud and I do not owe this debt.
|
| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management is reporting an collection account for the amount of {$160.00} I am not aware of this account and it does not belong to me.
Date open XXXX XXXX XXXX XXXX XXXX
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I am a federally protected consumer, enforcing my God given rights which were violated by the company Credit Management LP.
Please refer to the attachment to see my complaints.
|
| 09/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is in someone else name a XXXX XXXX my name is XXXX XXXX I have never had XXXX account in my name my XXXX account is in my wifs name XXXX XXXX this is not my account
|
| 10/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused.
|
| 10/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I got a collections account pop in my credit report state, I never get any XXXX letter from the collections agency, I called XXXX and their records doesnt match my information.
|
| 03/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX received a letter from Credit Management for XXXX XXXX for the amount due of {$290.00}. I have never been heard of, been affiliated or done any business with the company.
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was not sent notice to dispute the validity of this alleged debt. I am disputing the completeness and accuracy of this trade line that is being reported to my credit file.
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Credit Management LP that I owe a creditor XXXX XXXX ( XXXX ).
But I believe that I do not owe money.
The letter from XX/XX/21 Amount : {$59.00}
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not have or have ever had a contract with this company. I have never signed or asked for services from this company. I dispute existence of any contract what so ever.
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDIT MANAGEMENT LP XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX {$260.00} Called company and without certain information I could n't provide they could n't process my request
|
| 05/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I do n't know what credit management, l p I have like XXXX or XXXX charges in collections from them. I do n't remember dealing with a company like that please help me.
|
| 08/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This number calls multiple times in a row. Yesterday I got three calls in 30 minutes, today I got 2 calls within 30 minutes. I have requested they do not call me anymore.
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid before account was assigned to this company. Also the date of last activity was XXXX not XXXX which makes it out limits for being on my credit report
|
| 05/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt collection does not belong to me and never received any documentation via mail saying i owe this debt yet still put it on my credit report as i am a consumer.
|
| 06/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing!
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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.
|
| 08/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
CREDIT MANAGEMENT, XXXX. XXXX XXXX, XXXX, TN XXXX IS REPORTING AN INACCURATE ACCOUNT FOR XXXX XXXX XXXX FOR {$2100.00}. I DO NOT OWE XXXX THE AMOUNT OF {$2100.00}.
|
| 06/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and created this account. i have never had an account with XXXX in the state of Florida. The owner of this account should be prosecuted.
|
| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Credit Management, you violated XXXX XXXX XXXX, consumer, rights to privacy in addition to violated the Fair Debt Collection Practices Act. See attachments.
|
| 05/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a bill for an account that was closed and I sent a debt validation letter to gather information and did not received any veritication letter response.
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
CREDIT MANAGEMENT LP nevered contacted me and I do not owe this debt. I asked to be provided with agreement with my wet ink signature and they have yet done so.
|
| 10/04/2021 |
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
|
|
Web |
|
|
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I called CREDIT MANAGEMENT LP to discuss the debt showing on my credit report. They were unable to locate it with my name and my social security number.
|
| 02/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have repeatedly tried to contact CMI to remove an incorrect account off my XXXX, XXXX and XXXX credit reports. Its hurting my ability to apply for new credit.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My ac count with XXXX was cancelled and all equipment returned. This account was closed in person at the XXXX store at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
|
| 08/23/2020 |
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
|
|
Web |
|
|
I have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.
|
| 07/22/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services.
|
| 03/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
It is showing that I have a bill from charter communication in XXXX tn from XXXX and I have lived in XXXX TN since XXXX. I 've never had charter communication.
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
|
| 03/18/2021 |
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
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/18/2021 |
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
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 12/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
get XXXX calls from the following number daily XXXX Belongs to The Offices of Credit Management , LP XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Adding inaccurate debt to my credit report. Not checking if it is my debt. bills must be going to one of the inaccurate address recently added to my report.
|
| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Credit Management continues to attempt to collect a debt I do not owe for cable services. My cable bill is current and I owe no monies of any kind to XXXX.
|
| 09/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Credit Management Lp indicates I owe {$940.00} date of debt XX/XX/2023 until XX/XX/2023 for a one month term service. I have never had a account for XXXX.
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
|
| 09/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Paid company off, with an settled amount and i need this debt removed from my credit report. The less collections on my report the bigger my buying power.
|
| 08/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Received a letter from Credit Management of XXXX trying to collect a debt that I do not owe. Refused to send me an itemized statement of the alleged debt.
|
| 10/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX sent me a letter claiming I owed them {$270.00}. They have also been calling according to my wife, I've never heard of this company whatsoever.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a fraudulent Credit Management account on my credit. Please note the attached FTC report and remove it from my credit. THIS ACCOUNT IS NOT MINE!
|
| 10/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got a letter from Credit management a debt collector trying to collect a debt that I don't recognize so I am disputing this debt as it is not my debt.
|
| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
The company Credit Management calls in spite of being informed that we have never lived at the addresses/cities in question or had an account with XXXX.
|
| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dont not believe that I owe the amount of XXXX I have no knowledge of this account I believe that somebody else is responsible for this charge thanks
|
| 09/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I show on my credit report an alleged debt for XXXX XXXXXXXX XXXX a company I have never worked with. The amount of the debt is showing as {$430.00}.
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Credit Management LP has an account on my credit report that doesnt belong to me. Enclosed is a copy of the complaint I sent to Credit Management LP.
|
| 01/26/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023 I visited a XXXX store and received a receipt of confirmation that all equipment has been returned and there is no outstanding debt.
|
| 12/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt onXX/XX/2019 for {$63.00} is not mine. I do not know where this comes from and kindly request that this be removed from my credit report.
|
| 04/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid a debt from XXXX XXXX a while ago. It is still showing negatively on my report and they are still contacting my telling me the i owe money.
|
| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive never been or even heard of XXXX XXXX XXXX XXXXXXXX. I have had XXXX or anything and I never received any bill or anything. I do not owe them
|
| 03/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THIS DEBT WAS A RESULT OF SOMEONE USING MY ID TO OPEN A UTILITY ACCOUNT WITHOUT MY KNOWLEDGE.CREDIT MANAGEMENT LP # XXXX I DO NOT HAVE XXXX XXXX!
|
| 03/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These people keep showing up on my reports and I have no business or have ever had any business with these companies that are ruining my credit
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company is reporting that I owe a balance of {$710.00} and I do not. They continue to report on my credit and this information isnt mine.
|
| 07/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in XXXX
|
| 01/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times.
|
| 07/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Placed a collection on my credit report of {$1800.00} I do not have any knowledge of this company or how they have access to my information
|
| 03/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDIT MGMT is claiming that I owe them {$86.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This complaint was resolved as identy theft 5 years ago by the FCC. Now I 'm getting notices again. I do not know what to so to stop this
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I paid the account and was never given a letter of balance paid off and it is still on my credit report when I asked for Deletion Letter
|
| 05/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
this account was paid and i ask them to remove from my credit which they did not when i ask do they pay for delete they said they did.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
|
| 06/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX /2016, XXXX , XXXX /2016, XXXX , none just now looking at my credit report I had identity theft someone been using my social
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Management LP XXXX Disputed unpaid XXXX XXXX collection {$240.00}. Please initiate a consumer complaint against this agency
|
| 11/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX says I didn't turn in their device and wrongfully charged me {$170.00} on XX/XX/2020 when I provided proof of location.
|
| 09/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Credit Management posted a Collection to my credit report the day after the balance was paid in full to the original creditor.
|
| 10/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid and credit management group promised deletion once paid, still no deletion from none of my credit reports.
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a derogatory mark on my credit report from a debt collector I have no knowledge of the balance would like it removed
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a federally protected consumer, and I have an update to the complaint filed previously please review the attachments.
|
| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
THEY REPORTED A COLLECTION ACCOUNT FOR XXXX XXXX AND IT HAS DAMAGED MY CREDIT. COLLECTION ACCOUNT IS UNDER XXXX XXXX.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reached out to XXXX the original debt collector they couldnt find the account nor had any information to assist
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never had an account with this company, yet they have reported a delinquent account on to my credit bureau.
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Never received information about the debt. debt appeared on credit report. Not able to verify if the debt is mine
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've reached out to XXXX and the collection company and I was told to dispute collections with the credit bureaus
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Violation of 15 USC 1681 No permissible permission or contract with the company Unauthorized use of Assumed Name
|
| 01/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received invoices from companies and I have never heard of theses nor do I know what this invoice was for
|
| 06/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
The bill was paid in full and appropriate credits were given due to constant outages of service for the cable.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE A COLLECTION ACCOUNT APPEARING ON MY CREDIT REPORT THAT I DON'T KNOW HOW IT ENDED UP ON MY CREDIT FILE
|
| 10/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I 'm a victim of identity theft someone got hold of my information and try to opened up accounts in my name.
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I GOTTEN A LETTER FROM CREDIT MANAGEMENT WITH ACCOUNT NUMBER XXXX BALANCE XXXX OPENED FRAUDULENT IN MY NAME
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Furnishing of un-verified and un-authorized accounts to credit bureaus and/or consumer reporting agen cies.
|
| 09/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CREDIT MANAGEMENT LP HAS {$250.00} OWED IN COLLECTION REPORTING ON MY CREDIT REPORT THAT I WASNT AWARE OF.
|
| 08/04/2020 |
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
|
|
Web |
|
|
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I do not recognize the charges nor was there any proper paperwork submitted for this to be on my credit
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requesting original contract, creditor information, payment history, and proof of ownership {$450.00}
|
| 09/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I do not have any account with this company, have never heard of them and this needs to be deleted.
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I returned my XXXX equipment over 3 years ago and paid all the bills associated with this account.
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is completely inaccurate and not mine. They have even said this but yet they still report it.
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection is not from original creditor, Ive already tried to fix this problem with the company.
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Debt is not owed. Credit management continues to call to collect despite requests to cease calls
|
| 10/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
They sent me a letter - we told them many times that this is not mu debt but they will not stop.
|
| 05/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Credit Management Lp has reported to all 3 credit reporting agencies concerning an unknown debt
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've submitted multiple request for documents and the bureaus are ignoring me. Please help me
|
| 10/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I was told by XXXX that if I paid off debt that they would remove it from my credit report
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This debt was reported directly to XXXX in XXXX and I have no record of notification.
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CREIT MANAGEMEN XXXX NOT MY ACCOUNT I SENT DISPUTE THEY DENIED MY DISPUTE SEVAL TIMES
|
| 02/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debit and I don't know what it is. I have never had XXXX XXXX XXXX
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
XXXX sent my name to a collection agency saying that I owe {$300.00}. There was a
|
| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA.
|
| 09/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Credit Management Opened XXXX XXXX, 2012 {$430.00} Original creditor : XXXX XXXX
|
| 01/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The debt is being report on my credit report and I was never notified about it.
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Due to being a victim identity theft a fraudulent account with XXXX was opened.
|
| 06/30/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Credit Management has ignored my legal request for validation. Letter attached.
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Older American |
|
XXXX ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.
|
| 02/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this balance in XX/XX/2016 for the amount of XXXX to Credit Management.
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 04/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I looked on my credit report and I never heard or see this company before.
|
| 12/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not have knowledge of this debt that is attempting to be collected.
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Reporting Agencies and Collection Agencies violated the Law.
|
| 03/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This was removed from my credit report then it reappeared.
|
| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I asked for something that's bearing my signiture on it.
|
| 03/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ACCOUNT IN REFERENCE IS NOT RECOGNIZED AND IS NOT VALID.
|
| 08/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am still being charged for a debt that is not mine.
|
| 04/15/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not have any ownership of this collection debt..
|
| 10/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
11 XXXX XXXX is not mine to the best of my knowledge
|
| 04/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with company and the debt was paid in full.
|
| 01/02/2019 |
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
|
|
Web |
|
|
I do not recognize the new inquiries on my account
|
| 11/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Harassing me over an account that I never opened
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt please remove immediately.
|
| 10/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never lived or had any service at company
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2015 {$180.00} Currently disputing.
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I need validation of this account.
|
| 12/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no knowledge of this dept
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
No knowledge of said debt.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is failing consumers
|
| 08/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
No knowledge of debt.
|
| 05/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX is not mines.
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 11/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
|
| 09/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2023 |
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
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 05/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 05/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Servicemember |
|
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
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
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2023 |
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
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2023 |
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
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/07/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 11/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 10/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2022 |
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
|
|
Web |
|
|
|
| 07/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
Servicemember |
|
|
| 05/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Phone |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/22/2022 |
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
|
|
Phone |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 02/24/2022 |
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
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2022 |
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
|
|
Web |
|
|
|
| 01/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/21/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2021 |
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
|
|
Web |
Older American |
|
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/19/2021 |
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
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/04/2021 |
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
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/28/2021 |
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
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2021 |
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
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/21/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2021 |
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
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/01/2021 |
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
|
|
Web |
|
|
|
| 08/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 08/26/2021 |
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
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2021 |
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
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2021 |
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
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/22/2021 |
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
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/21/2021 |
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
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 01/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/01/2021 |
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
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 12/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 12/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/20/2020 |
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
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/04/2020 |
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
|
|
Phone |
|
|
|
| 08/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 06/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 04/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Older American |
|
|
| 02/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 12/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 11/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Older American, Servicemember |
|
|
| 10/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 09/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American, Servicemember |
|
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 08/23/2019 |
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
|
|
Web |
Servicemember |
|
|
| 08/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
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
|
|
Web |
|
|
|
| 08/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 06/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 04/29/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 04/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 04/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 03/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|