The Law Offices of Mitchell D. Bluhm & Associates CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/21/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	SC 29577	Web	Servicemember
Hello, the MBA LAW LAW OFFICE OF MITCHELL D. BLUHM & ASSOC DEPT # XXXX XXXX, TX XXXX ( XXXX ) XXXX Had opened in account on me without ever verifying anything to me as well as refusing to verify anything to me and telling my personal information over the phone before even verifying if it was me they were talking to which is a huge violation of the FDCP AND FCRA, they threatened me i had 4 eye witnesses because these XXXX people did not realize I had XXXX people listening to their XXXX threatening phone. Call to me when they threaten to take legal action on me if I did not pay them right now over the phone with my bank account number so they could take more money than supposedly owed out of my account to silence them. My uncle is a judge. My brother and husband are military and have access to every type of XXXX humanly possible and they will not tolerate people threatening my safety, the amount old, they stated was {$250.00} when I made it clear to them, but they cant lift anything on my report on the {$500.00} in compliance with the new laws they turned around, deleted off my report, and then relisted it at {$580.00} to try to keep it up there again when they were listed it no 30 day notice refusal to verify debt and threatening to take legal action they can not take, they are based out of Texas. They call themselves a law firm well kind of funny how the owner of the supposed law firm name is Mitchell D Bluhm himself is not an attorney that is registered in the state of Texas where it supposed law firm is located. He has employees that work there that are registered with the Texas state bar but him himself its not registered as a lawyer in the state of Texas, because my uncle is a judge, and my friends and family are military they got a court order and found people he grew up with to talk to quite a few people spoke very poorly of him. In fact, they stated they wouldnt allow him near their children because he was a XXXX XXXX, now when they relisted the account, they raised the balance of it so they could try to keep it on there so I cant they opened on me in XX/XX/2022 its about 3 to 4 months ago and still I was never given any form of verification of any form this supposed law firm is verified only as a collection agency, and one that has had hundreds of complaints for consumer abuse. Fraudulent account listings price gouging on the account to try to make it so they can continue to report it as well as giving out peoples personal information, both two addresses they dont live at and two people on the phone before they verify it through they talking to as well as collecting phantom debt and zombie debt, not the fact of the matter is they purposely took it off my report, knowing they can report it under {$500.00} and it timers only under {$300.00} so they turned around and relisted it over {$500.00} so they could keep it up there, blank, let consumer abuse in violation of the fair, credit reporting act and fair debt collecting practices as well as consumer abuse and fraud and threatening to take legal action they can not take as well as threatening my life because like I stated I had I witnesses two of the four not counting myself, which makes five I witnesses are military and the other two one is a lawyer, and one is a judge all which witnessed them threaten legal action they cant take threaten garnishment they can not take as well as threatening me to give them my bank account information so they could take more money out then they say I supposedly owe so that it would silence them so right there theyre trying to admit theyre going to steal my extra money from me in the first place even if I did pay them which Im not because theres no proof that thats mine and according to the credit bureaus because I called them they are listing an address on my credit report that I dont live at I dont live in XXXX and I have not lived there and well over 9 months now so the credit reporting agencies have already verified to me over the phone that an address I dont live at is being verified by this company that I live there wrong that means what that you sent XXXX to an address I dont live at cause if thats the case, violation of the fair credit reporting act that collecting practices as well as consumer abuse and attempted identity theft selling, because that means if you did send something to that address, my identity can be stolen which means I will have my uncle who is the judge, my husband who is military and friends of the family that are both military, and some are lawyers and we will bury you in the XXXX ground you climbed out of, refusal to verify debt for months at a time deleting XXXX off my credit report, that you know you cant report a balance of, and then re-listing it at a higher balance is fraud, and you are well known for it. You also have contacted me about 385 times and deny it all you want. Its called a call log you XXXX XXXX, I have already had my uncle and my friend whos a lawyer start the process of suing you XXXX for what you said and Im trying to do to me either. Remove your XXXX from my XXXX credit report or I will prosecute you and I will bring you up on criminal charges. Also the place that you state the debt supposedly comes from states that its been permanently closed for a while. Also, Im uploading the person you do have working at your firm that is registered with a Texas bar and it is not the owner of a law firm the law firm in question. The owner of a law firm in any state must be a lawyer and registered in that state himself. They have Been sued for this before and are currently in a lawsuit.. And as for XXXX and XXXX for allowing the listing then relisting of raised balance, try to legally keep it there by committing fraud Ill be filing charges on them too if it is not removed.
04/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 759XX	Web
On Wednesday XX/XX/XXXX I received a letter from Mitchell D Bluhm & Associates, XXXX attached ) saying I owed money. On XX/XX/XXXX I contacted their office letting them know that I had already paid this debt to the hospital back in XXXX. XXXX informed me that this particular hospital will send in more then one doctor and then charge you for each one and I probably paid for one and not the others that had came in. I dont recall having more then one doctor, and I let her know that when I was contacted by the hospital about this debt, I was told it was resolved then. She offered to settle the debt with me if I paid {$180.00} by Friday XX/XX/XXXX and said if I was going to dispute it I only had until that day for them to receive my dispute or they would put it on my credit. I immediately typed out my dispute XXXX attached ) and sent it overnight mail ( receipt from post office attached with tracking number and signature request on delivery ) on XX/XX/XXXX. I received the next letter on XX/XX/XXXX ( dated XX/XX/XXXX attached XXXX saying they had not had time to complete their investigation. During this time, they never stopped the harassing phone calls, my understanding is that they are suppose to stop the harassing calls until they send proof of debt. I received their validity of the account on XX/XX/XXXX ( dated XX/XX/XXXX attached ) but nothing they sent shows that I owe anything. It has a Current Statement Balance : {$0.00} and does not have any type of letterhead or any information about the creditor on the paper. It looks like they couldve typed it theirselves and printed it. I never got the address of the original collector, any details about the account, no response on if it was within the statute of limitations, nor anything about their authority to collect on the debt or any proof that any of this is legitimate. ( Attached picture of letter I sent them asking for all of this information XXXX XXXX called me on XX/XX/XXXX, she did not say who she was whenever I answered. XXXX immediately started asking me my personal information when I answered the phone. I only responded to yes when being asked if I was XXXX. She proceeded to ask my date of birth, address, and before she could ask anything else I asked who I was speaking with. She then told me who she was, and I asked that she disclose that before asking for personal information and that I didnt feel comfortable just giving a random person from a random number any of my personal information. She immediately became very rude, saying they had sent proof of debt, I told her what they sent I didnt feel was proof and I needed something saying that if I go and pay this, the hospital cant come and say I didnt pay it later on like what they are doing to me now. She ended up transferring me to someone else without even informing me she was doing so. The next lady was even worse. I did not get her name, but she was extremely rude and told me I dont pay your bills for you. I simply asked if they had bought the account ( like XXXX had told me they did XXXX if they could send something showing they own it and that the hospital cant try and collect on it later, basically showing they bought the debt and that I dont owe the hospital anymore. ( I never received anything with the hospitals name on it or letterhead through this entire nightmare ) Whoever I spoke with, ended up hanging up on me while I was speaking, I never raised my voice, used any type of bad language, or made any types of threats. I simply asked for something showing that this would be it if I did pay what I had already paid. The lady sent me another letter on XX/XX/XXXX XXXX attached ) with what she said was proof that they had the account. She simply sent another privacy notice ( attached XXXX from another company, not from the hospital nor her office. I am extremely confused on who is trying to collect the debt ( on their letters, sometimes the letterhead looks official and in color and other times their letterhead looks completely different and in black and white, also confused on how they are in XXXX, Texas yet sending me letters from XXXX, CA. ) I havent received anything that I asked for in my dispute and on XX/XX/XXXX I was informed by my credit card company that they ( Mitchell D Bluhm & Associates ) had put a major derogatory on my credit without ever sending me any kind of proof that this debt is valid or that they own the account. I have a XXXX year old at home with me, jobs are hard to find due to COVID, and the harassing phone calls and threats to ruin my credit are really getting old. Im not sure what I need to do from here, and really need help with this office. I also wanted to say I really feel like this is some type of scam, when XXXX had offered to settle with me, she said I had to pay with a card over the phone and they would not send me anything via mail. I have no idea if they are even a legitimate company, and nothing they have sent me shows that this is a valid debt. I dont feel right about giving someone my personal information and credit card number over the phone, especially whenever they can not tell me who they are when they call me.
08/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32608	Web	Servicemember
This complaint is against the company MBA Law ( Mitchell D. Bluhm & Associates , LLC or MBA Law ). They claim that I owe on a medical bill in the amount of {$1600.00}, but I dispute that bill, because it is for services I do not believe I received, and there is no evidence that MBA Law is registered or licensed in the state of Florida to legally act as a collection agency. I left two voicemails, and sent two e-mail 's disputing the bill, and requesting proof that MBA Law had authority to collect the debt in the state of Florida. I received no response from MBA Law about this question and when I asked a representative on a later phone call to produce their FL license or registration, she simply said that it was public knowledge. There is no record of registration as is required by FL Statute XXXX, which requires the registration of consumer collection agencies. I called the FL Office of Financial Regulation, and they told me directly that MBA Law ( Mitchell D. Bluhm & Associates , LLC ) was NOT licensed or registered in Florida to try and collect this debt, and that they had multiple other complaints about them. The FL Office of Financial Regulation then directed me to file a complaint directly with CFPB. In addition, I dispute the medical bill because it is for services I believe I did not receive. After a car wreck that was not my fault ( uninsured motorist ), I had to have minor XXXX XXXX XXXX. I did extensive research and decided that I did not want XXXX XXXX, due to the much greater risk of side effects and increased recovery time. I only wanted local XXXX. I requested this of the surgeon and he agreed to do the XXXX where he would personally do a local injection to numb my knee. The procedure went very well, and never at any point did I receive additional services from an XXXX ( XXXX XXXX / XXXX ) due to pain or because I could not handle the situation. I was awake and watched the whole procedure on a video screen, while having a conversation with surgeon and his staff. They were amazed that this was my request, and said it was very rare to have someone choose XXXX XXXX rather than being put under. A month or more after the XXXX, I was under the impression that all bills for the medical services had been provided to me or my insurance company. I called The XXXX XXXX a couple times to confirm there were no more outstanding bills before I settled the case with XXXX XXXX and XXXX. We then settled the case, thinking all bills were paid. About four months later I received the first notice of a bill from XXXX XXXX , XXXX for {$1600.00} on XX/XX/2016. XXXX was the usual provider of XXXX XXXX for this arthroscopic type XXXX on behalf of XXXX XXXX XXXX. I think they did a routine billing without considering that I did not receive XXXX XXXX. I called XXXX XXXX multiple times to explain that the bill might be a mistake as I refused to have XXXX XXXX, and the surgeon from XXXX XXXX XXXX performed local anasthesia himself. As far as I know, I did not receive any services from XXXX XXXX. On XX/XX/2016 I spoke with a representative named XXXX XXXX XXXX XXXX and she assured me this bill was not going to collections, but being reconsidered. I called again one month later, and a different XXXX XXXX named XXXX told me on XX/XX/2016 that my responsibility was still {$0.00}, and the bill had been sent to XXXX, even though I disputed it. I also very clearly asked if it had been or would be sent to collections, and again I was told No. I made multiple attempts in good faith to rectify the situation. I asked for them to contact me directly if they were not satisfied after speaking with XXXX. I heard nothing else from XXXX. See my notes on the bill they sent me, and proof of XXXX XXXX Then three years later, I received a collection notice from MBA Law ( Mitchell D. Bluhm & Associates , LLC XXXX. Their paperwork shows that XXXX XXXX had already made a collection adjustment to their records on XX/XX/2016 and zeroed out my account. This contradicts the conversation I personally had with XXXX on XX/XX/2016 and on XX/XX/2016 and took notes on. It had not been sent to collections, and they were considering dropping the bill. They should have zeroed out the bill as an accounting adjustment, but should not have labeled it as a " collection adjustment ''. I believe that XXXX made some mistakes in billing me to start with and was disorganized in re-coding my situation, which resulted in this illegitimate bill being bought by MBA Law ( Mitchell D. Bluhm & Associates , LLC ), who bought the debt hoping to make money off of me, even though they are not licensed or registered in the state of Florida to collect, and I have never had any dealings or contracts with MBA Law.
01/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 640XX	Web	Servicemember
I am a XXXX employee with the XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX in Texas mailed me a letter to inform me of a privacy incident involving a database used by the XXXX/XXXX, and that my personal information has been impacted by this privacy incident. The compromised information included personally identifiable information ( PII ) such as names, SSNs, DOBs, positions, grades, and duty stations. See attached document. On XX/XX/XXXX, while being interviewed by a XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ) XXXX for my security clearance background re-investigation, I was asked about the three ( 3 ) medical debt collections that were placed on my credit file. I was completely unaware of these debt collections since I havent checked my credit report. I firmly stated that I shouldnt have any debt collections on my credit file ; most significantly nothing related to any medical debt as I have always used the Veterans Affairs Hospital at XXXX XXXX, Kansas for all my medical needs. Any and all medical services I receive from the VA are 100 % covered due to service-connected XXXX. After my interview, I immediately requested for my free Annual Credit Report via online with all the three credit bureaus ( XXXX, XXXX, and XXXX ). I reviewed those three medical debt collections that are as follows : ( 1 ) XXXX XXXX ( XXXX XXXX XXXXXXXX, XXXX, NC XXXX ), Date Opened : XX/XX/XXXX, Amount : {$340.00} ; ( 2 ) XXXX XXXX ( XXXX XXXX XXXX, XXXX, NC XXXX ), Date Opened : XX/XX/XXXX, Amount : {$180.00} ; ( 3 ) XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX, NC XXXX ), Date Opened : XX/XX/XXXX, Amount : {$120.00}. XXXX XXXX XX/XX/XXXX, I disputed all three medical debt collections with XXXX, XXXX, and XXXX. As a result, all three collections were deleted/removed off my credit file. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, NC XXXX ; Phone : XXXX ) placed multiple collections on my credit file for the amounts of : {$260.00} ; {$260.00} ; {$500.00} ; {$180.00}. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX, NC XXXX ; Phone : XXXX ) once again placed the following collections on my credit file : {$500.00} ; {$180.00} ; {$260.00} ; {$260.00} ; {$260.00}. On XX/XX/XXXX, XXXX, XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO XXXX ; Phone : XXXX ) placed a collection on my credit file for the amount of {$10000.00}. On XX/XX/XXXX, XXXX, XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO XXXX ; Phone : XXXX ) once again placed the same collection on my credit file for the amount of {$10000.00}. On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Phone : XXXX ) placed a collection on my credit file for the amount of {$2100.00}. On XX/XX/XXXX, LAW OFFICES MBA ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Phone : XXXX ) placed a collection on my credit file for an account that was opened on XX/XX/XXXX for the amount of {$2100.00}. AGAINALL OF THE ABOVE DEBT COLLECTIONS THAT HAVE BEEN PLACED ON MY CREDIT FILE DOES NOT BELONG TO ME! I CONTINUOUSLY DISPUTE ALL THESE COLLECTIONS THAT HAVE BEEN AND CONTINUE TO GET PLACED ON MY CREDIT FILE, BUT IT CONTINUES ON AND ON!! I HAVE PLACED MY CREDIT FILE ON FRAUD ALERT SINCE BECOMING AWARE OF THE FALSE THREE DEBT COLLECTIONS THAT WERE PLACED ON MY CREDIT FILE ON OR AROUND XX/XX/XXXX. CURRENTLY, MY CREDIT FILE REMAINS ON FRAUD ALERT STATUS, BUT ALL THESE FALSE DEBT COLLECTIONS CONTINUES TO GET PLACED ON MY CREDIT FILE! I FIRMLY BELIEVE THAT THESE COLLECTIONS AGENCIES ARE FULLY AWARE THEY ARE PLACING THESE COLLECTIONS UNDER THE WRONG CONSUMERS CREDIT REPORT, AND WILL CONTINUE TO DO SO UNTIL FACED WITH LEGAL RAMIFICATIONS. IT IS ALSO IMPORTANT TO NOTE, THAT INITIALLY THESE DEBT COLLECTIONS AGENCIES HAVE A DIFFERENT ADDRESS ( ES ) ON THEIR FILE, AND WILL UPDATE THEIR FILE WITH MY ADDRESS ONCE THEY GET AHOLD OF IT. PLEASE ASSIST.
01/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX The Law Offices of Mitchell D. Bluhm and Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : 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
03/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33710	Web	Older American, Servicemember
On XXXX XXXX, I had a XXXX XXXX which required me to go the emergency room at XXXX XXXX XXXXXXXX XXXX XXXX Florida. Upon checking in, I provided the hospital receptionist my complete contact information and medical insurance information. Both my contact information and medical insurance information are the same today as they were XXXX XXXX. I have insurance coverage by both XXXX and XXXX. Part of my treatment was an XXXX. I was not informed that the XXXX tech was not affiliated with the hospital. My itemized statements from both Medicare and XXXX show the amount that I may be billed or the amount owed is {$0.00}. Review of my itemized insurance statement allowed me to believe that my debt for the medical services had been satisfied. I have received no communication nor contact of any type from the hospital nor XXXX XXXX for payment of services performed XXXX XXXX. In mid to late XXXX, I received a letter from debt collectors office, The Law Offices of Mitchell D. Bluhm & Associates , LLC XXXX Attorneys at LawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX. I reached out to XXXX XXXX XXXX XXXX Florida. XXXX, the lady who answered the phone said that XXXX XXXX had no record of my address or any other contact information. I requested to speak to a supervisor. XXXX ' came to the phone after several long " holds ''. He identified himself as the supervisor. He also stated that they had no contact for me. I informed him that the hospital was given that information. I also told him that I had the itemized statements from both Medicare and XXXX indicating that I owed nothing. He asked me to email them to him. He stated, If the documents showed payment, he would request my case to be removed from the collection agency. I emailed him the itemized statements on XXXX XXXX XXXX XXXX XXXX XXXX EST. I received receipt of the email four minutes later stating most emails were answered 3-5 business days some could take longer. On XXXX XXXX, I received an email that a change had been made on my ticket stating that an attached letter will detail the needed information. Signed by XXXX. I replied to her that there was NO attachment. Please provide. I have received no more information as to what is needed. So, I reached out to the collection group of Bluhm & Assosciates. The lady that I spoke to was all business! I gave her my MBA Account # and she replied that the file was still active and that she had received nothing from XXXX to make a change. I asked what her title was and she replied " debt collector ''. No one that I contacted in either office has the time to try to clear this up. I Expressed mailed XXXX XXXX XXXX XXXX, stating that I wanted to dispute the debt, a letter with enclosed copies of the itemized Medicare and XXXX statements, copies of the emails to and from XXXX, and the fact that no one from XXXX had contacted me in more than 2 1/2 years. I have had multiple XXXX XXXX XXXX XXXX XXXX XXXX in my hometown and Medicare and XXXX have covered all the expenses. I do not want their inability to properly contact someone to reflect on my credit score for a bill that has been satisfied by two insurance companies. The Law Offices of Mitchell D Bluhm & Associates is trying to collect {$640.00} for an XXXX XXXX charge of {$130.00}, that no one has contacted me in more that 2 1/2 years.
06/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20646	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MBA LAW account with a balance of {$590.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER written me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
06/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 652XX	Web
I was seen and treated at XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I had just turned XXXX XXXX XXXX and was in my first year of college during XXXX when I suffered XXXX. My dad came to be with me, although he had to stay in his car and at a hotel because he could not physically be with me most of the time. He was able to sign paperwork as the financially responsible party and provide insurance information. XXXX XXXX billed our insurer ( XXXX XXXX of Illinois ). The claim was processed by them on XXXX We were billed for the amount not covered by insurance. That amount was paid to XXXX XXXX promptly and without issue. In XX/XX/XXXX, I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX, XXXX, saying that they are attempting to collect an unpaid medical bill from XXXX XXXX XXXX, which bought a written-off account from XXXX XXXX XXXX XXXX XXXX IL XXXX based on medical care I received during the hospitalization referenced above. I was never billed for this care by XXXX XXXX XXXX ( XXXX XXXX, XXXX ), or by XXXX XXXX, XXXX. Not a single written bill was received, not a single phone call was received to tell me that I owed for this care. Despite the paperwork that my dad signed at the hospital and the insurance information he provided ( as shown by the hospital 's actions for the amount owed to them ), XXXX XXXX XXXXXXXX did not bill my insurance for their care. At least some portion of this bill would have been paid by my insurer. Now, over two years later, I am being asked to pay the entire amount for care that would have been covered by insurance if XXXX XXXX XXXX XXXX, would have billed my insurer as I instructed them. My credit has been damaged by both a write-off and a collections action for an amount that would have been paid years ago if I had received one bill in the mail or a phone call notifying me of an amount due. There is no indication that my address or phone number weren't available to them, as I have received letters and phone calls from the firm attempting to collect the amount. This is an unacceptable course of action for a medical group, particularly given that I was ill, young ( had turned XXXX less than one month prior to this hospitalization ), away from home, and in the midst of the XXXX pandemic. At my authorization, my parents have spoken to representatives at Mitchell D. Bluhm & Associates, including " XXXX, '' to explain the issue and request itemization, which was received. This office has no interest in the circumstances of the bill. Our insurer has spoken with representatives at the office of XXXX XXXX XXXX XXXX, who has referred them to the collections agents.
08/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Original Creditor : Florida Hospital Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care at Florida Hospital. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify Florida Hospital that the debt is the result of identity theft. My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also, a police report is in the process of being filed in regard to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that the information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : XXXX. Application records or screen prints of Internet/phone applications XXXX. Statements or invoices XXXX. Payment/charge slips XXXX. Investigators summary XXXX. Delivery addresses XXXX. All records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts XXXX. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : XXXX notify the original creditor that the debt is the result of identity theft ; XXXX stop collection proceedings against me ; XXXX cease reporting this information to the credit reporting agencies ; XXXX provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33056	Web
On XX/XX/2019 I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. Law Offices Of Mitchell, was changed to MBA LAW. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
05/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 783XX	Web
On or about XX/XX/2022, I was notified by my credit reporting service that Mitchell D. Bluhm & Associates , LLC ( XXXX ) had placed a collections notice in my credit file. According to the reporting service, the original creditor was XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have never had a relationship with or received services from either of these entities. In addition, I never received a letter from XXXX notifying me of the debt and did not have the chance to dispute it prior to it going into collections. Based on this, I disputed the collection with the credit reporting agencies. I also sent a debt verification letter to XXXX requesting information regarding the alleged debt and requesting that the only communicate with me in writing ( as is my right under law ). Despite that, a representative from their office contacted me on XX/XX/2022 to attempt to collect the debt. When I informed her that I had received no correspondence from XXXX, she said they had sent letters in XXXX to an address that I hadn't had in almost 7 years. Since my forwarding order for that address had expired almost 6 years ago, it is likely that correspondence was returned as " undeliverable ''. It's clear that XXXX made no futher effort to obtain my correct address ( which is readily ) available and proceeded to file a collection with taking reasonable steps to contact me in writing and allow me an opportunity to dispute the alleged debt and receive more information about it. Given I have no recollection of the original creditor and XXXX claims to have sent notification to an address that is almost 7 years old, I have serious doubts as to the validity of this claim. XXXX has not responded to my request for information and, based on their actions to date, has no interest in following the debt-collection procedures outlined in law. Since I was not given the opportunity to protest or respond to their original request for payment, I have asked XXXX to remove the collection notice from my credit reports and start the process over. I feel that it's only fair for me to have the chance to investigate the claim, validate the amount ( if any ) is owed, and settle the issue prior to having my financial reputation tarnished by what could very well be an invalid debt. I further request that XXXX 's business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.
08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53406	Web
On XX/XX/2020 XXXX Law ( Law offices of Mitchell D. Bluhm and Associates ) reported a collection account on my credit report from XXXX XXXX XXXX XXXX for {$960.00}. I was never made aware of this debt from the original creditor or the collection agency unitl on or about XX/XX/2020 when I began applying for a mortgage company and was made aware that is was negatively impacting my credit score from the mortgage agent and causing issues with my approval. On XX/XX/2020 I immediately contacted my insurance company XXXX of Illinois to find out what the issue was, I was informed that this should have been paid by the insurance, but due to a billing error betweein the hospital, medical group and insurance company it was not. Since any emergency issues are covered at 100 % under my insurance policy I was not aware of the outstanding balance. XXXX of Illinois made arrangements to send payment to XXXX XXXX to pay the amount in full that day and said it would be processed in 7 days. I then contacted XXXX XXXX and left a message concerning the account. I recieved a voice message back on XX/XX/2020 confirming that it was a billing error and that they were contacting XXXX ( MBA Law ) to remove the account from collcetions and that I should expect a letter from the collection agency confirming the account was removed. I waited 2 weeks then contacted MBA Law to find out the status of the removal. They said I still owed the account. I asked if they had been contacted by XXXX XXXX and they stated that they had not. I understand things take time, however I asked MBA Law what I could provide them to expedite this since it is holding me up from obtaining a mortgage and she said she would " note my account '' and that I needed to show them proof it was paid. I asked if we could contact the creditor to confirm payment and was placed on hold she again said she said I would need to provide proof to them. I said I needed this removed completely from my credit report and not just show it as paid, and again she stated she would notate my account and that was pretty much it. I do not understand how a collection agency does not have to offer any information or a solution as to how to get the issue resolved with them when it is clearly an error on their clients part and causing a hardship. They are refusing to take any action to contact the creditor and resolve this issue or provide me with what is needed to have this removed from my credit report.
09/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
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 XXXX 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 XXXX 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 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 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32907	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX LAW OFFICES MBA XXXX LAW OFFICES MBA 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 LAW OFFICES MBA XXXX LAW OFFICES MBA 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. 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 DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
10/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
I was XXXX on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX XXXX XXXX whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded XXXX XXXX that they were in violation of the HIIPA Laws. XXXX XXXX could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which MBA Law knows and XXXX XXXX XXXX. I spoke with MBA Law who could not validate the bill but stated if I show proof of insurance for the time in question MBA will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. MBA bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked MBA Law to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with MBA Law or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.
03/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* 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 XXXX 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 XXXX XXXX XXXX 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 XXXX # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/06/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33613	Web
On or around XXXX MBA LAW obtained private and confidential medical information about me and my minor child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verification in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected information including social security numbers and insurance policies of that of my minor XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themselves as lawyers and debt collectors yet do not and did not have a NMLS # valid for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX XXXX XXXXXXXX XXXX. After many years and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudulent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and lawyers and then ignored me. XXXX XXXX XXXX XXXX who represent themselves as a law firm also have NMLS # that are not valid in the state of florida and have resold the fraudulent debt. I received a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an incredible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.
08/06/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33613	Web
On or around XXXX MBA LAW obtained private and confidential medical information about me and my XXXX child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verfication in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected informtation including social security numbers and insurance policies of that of my XXXX XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themseleves as lawyers and debt collectors yet do not and did not have a NMLS # vaild for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX and XXXX XXXX. After many arguements and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudlent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and attornies and then ignored me. Assetcare and capio parteners aso have NMLS # that are not vaild in the state of flotida and have resold the fraudlent debt. I recieved a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an immensible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.
03/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA 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 LAW OFFICES MBA 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 XXXX, FL XXXX
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA 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 LAW OFFICES MBA 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 XXXX, MO XXXX
01/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 349XX	Web
This company MBA LAW also known The Law Offices of Mitchell D. Bluhm & Associates Called me with treats and curse words and when I ask them about debt that they were implying about.I asked them to mail out to me so that I can verify it.They said that they would mail it out and they never did.They called back from a different number cursing and treating me once again then told me that they can email it to me.All I said is that I am not aware of this debt and that I needed more information .I gave them my email address and they said that they would email it to me.they never did .Today XX/XX/2020 was the first time it was emailed after they cursed and said derogatory things constantly to me and the email that they sent needs a password to open up .How does a company get the right to harass and torment people like that .I was even told No that they are not emailing me anymore because they sent it already.They never sent it until today. They are rude nasty and down right despicable to people .and I still do not even know what the bill is .I have XXXX, and I am afraid to answer my phone because they call from different numbers all the time treating me cursing and teasing me of my accent, RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. RIGHT TO VERIFY THE DEBT : A debt collector verifies the debt by giving you enough information about the debt so that you can tell whether you actually owe it. The type of information that must be provided changes depending on your specific circumstances. In most cases, verification should include, at minimum : the amount of the debt, the date of the debt, and the name and contact information of the original creditor. If you contest the debt on grounds of identity theft or mistaken identity, verification should include a copy of the original signed contract or note. If you contest the amount of the debt, verification should include information about payments made, and interest and fees charged and/or waived.
03/30/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60628	Web
MBA law XX/XX/XXXX contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. XX/XX/XXXX MBA law sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). I then received a letter from XXXX partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/. I was never notified anytime before XXXX about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. MBA law firm address : THE LAW OFFICES OF MITCHELL D. BLUHM & ASSOCIATES , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX And The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
05/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33598	Web
In XXXX I underwent treatment for XXXX XXXX. Under my medical plan with XXXX, my medical insurance carrier at the time, all of my medical costs were covered at 100 % after meeting {$5000.00} out-of-pocket expense which I had easily satisfied prior to my XXXX in XX/XX/XXXX. All XXXX XXXX XXXX were paid in full. In one instance during my follow up XXXX XXXX in XX/XX/XXXX, I was required to pay a {$67.00} co-pay which I did as per my XXXX plan, my insurance carrier paid the remaining costs as per plan arrangement to the provider , XXXX XXXX XXXX XXXX ( please see XXXX Statement enclosed with this complaint ) To my utter surprise, on XX/XX/XXXX, I was notified by the XXXX XXXX XXXX credit monitoring service of a potentially major derogatory collections report for {$170.00} that was filed by MBA Law Offices/XXXX ( see the derogatory report provided with this complaint ). I have no idea who this company is an why they attempting to damage credit for money that I do not owe. In an effort to get the bottom of this and resolve this matter, I have spoken with both XXXX and XXXX, explained the situation and have initiated disputes. I have also contacted MBA Law Offices/XXXX however they are not cooperative. The representative to whom I spoke indicated that this was related to an imaging service that I had at XXXX XXXX XXXX XXXX and had paid {$67.00} and that there was a balance due. I explained to her that this was incorrect, that XXXX, my insurance carrier paid and balance to the provider under my plan. I told her that at no point during my treatment was I ever required to pay more than the co-pay for imaging services under my plan with XXXX. I explained to her that I did not owe any money and that they had incorrect information and that I am being victimized by their bad information and derogatory report against me for what I do not owe. Following my conversation with XXXX and XXXX, I have XXXX MBA Law Offices/XXXX and have learned that this company buys medical debt in bulk and aggressively pursues individuals with collections even if the information that they have on the discounted debt they purchase is not accurate and I am now a victim of this practice.
06/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18951	Web
Our son was born in XXXX XXXX on XX/XX/XXXX. One month after our discharge from the hospital, we received an invoice from XXXX XXXX XXXX for the medical expenses attributable to our son. That invoice was for {$9100.00}. After adjustments/co-insurance from my insurance company ( XXXX ), I owed {$420.00}, which I promptly paid in full on XX/XX/XXXX from my HSA. The confirmation number of my payment was XXXX. On XX/XX/XXXX, I received a Past Due Notice indicating an additional {$300.00} was added to my account sometime after I paid the invoice. No explanation of the {$300.00} additional charges was ever provided by XXXX XXXX XXXX and no explanation of benefits was ever sent to my insurance company. I received another similar invoice dated XXXX/XXXX/XXXX, still with no explanation of charges. We called XXXX XXXX for an explanation, we were told it was being put in review and that we didnt owe anything. The matter was out of our minds until we received our 1st notice from MBA Law dated XX/XX/XXXX, indicating XXXX XXXX XXXX parked this debt with a collection agency, followed by a second notice, dated XX/XX/XXXX, offering me a 30 % reduction to pay by XX/XX/XXXX. I believe that some department in XXXX XXXX failed to document these expenses prior to the invoice being generated. Since I promptly paid the bill, my invoice was closed, such that additional charges added after that did not trigger the mechanism that forwards the expenses to my insurance. Had those new expenses gone onto a new invoice and not one I had already paid in full, perhaps the expenses would have been correctly sent to my insurance and billed to me. XXXX XXXX XXXX should never have parked this debt. I believe they need to resolve this debt with MBA Law, then can choose to document these charges and appropriately submit them to my insurance provider, XXXX, so the charges can be adjusted in accordance with my insurance plan. After repeated calls to XXXX XXXX XXXX, someone indicated these charges appeared to be for XXXX testing, XXXX XXXX, and routine XXXX XXXX of which would have been covered by my insurance plan had they been properly submitted.
03/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web
We were notified of an alleged debt that was in collections sent by XXXX in XX/XX/2022. We requested, in writing, a validation-of-debt and, per law, an itemized bill of the alleged XXXX XXXX- we we're never notified of any bills or debts by the hospital to begin with so we wanted to make this wasn't a case of mistaken identity or a fraudulent charge - the dates they listed the bill in didnt make any sense. We never received any response from XXXX. Regardless, the alleged debt of {$2600.00} was still listed as negatively affecting my credit score. We found out we could dispute this with the credit reporting agencies and we decided to dispute this with XXXX. XXXX reached out to the collector and found that this debt was not accurate and fraudulent- it was removed completely from all of my credit reports in XX/XX/2022. We were then sent a collections notice the end of XXXX by XXXX XXXX Collections in XXXX, TX and have until XX/XX/2022 tp respond. We, again in writing, requested proof of this debt by asking for the XXXX XXXX XXXX and we also provided printed screenshots of the winning-dispute claim with XXXX to show this same debt was already deemed inaccurate and fraudulent/was already removed from my credit report. We mailed these documents on XX/XX/2022. Today i called to see if they had a chance to review the documents sent. I verified that the alleged debt was the same with XXXX for the {$2600.00} but she stated she had not received any documents to review and that we still owed the {$2600.00}. I explained that this debt was already removed from my credit history and was deemed fraudulent/inaccurate by the credit reporting agency . She stated that they still showed the debt and it could still be sent to the reporting agencies - that it could still negatively affect my credit. I'm not sure how that is possible- in the insurance industry, we call the act of attempting to collect on a claim twice " double-dipping '' and its a form of fraud. How can debt-collectors attempt to damage your credit when proof has been provided that its not an erroneous debt?
05/18/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 441XX	Web
Today XX/XX/2022, I spoke with XXXX XXXX with XXXX law collection agency. She stated that they were a collection agency and that any information obtained will be used to collect debt. She asked For my information and stated that I owe a debt to Their client alteon health. I informed her that Ive never had any business with XXXX XXXX or XXXX law and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX health has stole my identity and sold it to XXXX law collection agency as the representative stated XXXX XXXX is their client. I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people. 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 : also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States 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.
11/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19111	Web
My name is XXXX XXXX XXXX My consumer Rights are being taken advantage of by these debt collectors, Law Offices MBA and XXXX XXXX for committing identity theft with my name. Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the initial disclosure if any, to direct that such information not to be disclosed to third parties under 15 USC 6802 ( B ) 1c. Not to mention some HIPAA Violations but Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by Law offices MBA and XXXX XXXX who now says i owe them a debt which on XX/XX/2022. i requested validation and have not received any notice of this attempt to collect until now but they are communicating to me via my consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all other third parties involved. If I don't find remedy to cure these violations of my right to privacy under federal law, I will have no choice but to file a lawsuit in which I will be looking for actual damages caused from these companies ' unfair and deceptive practices. Law offices MBA and all other third parties involved to be criminally liable and prosecuted for aggravated identity theft pursuant 18 USC 1028A, extortion, mail fraud and theft by deception. Please note that I went through all channels to get this problem solved and I am giving formal notice that I intend litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.
01/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 206XX	Web	Servicemember
In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that my XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and placed with this law firm for collection. The letter stated that the law firm was authorized to extend to me a special offer of settlement for {$480.00} ( a 40 % savings from the original amount of {$800.00} ). I researched the date of service ( XX/XX/XXXX ) and amount owed ( {$800.00} ) and found that all bills associated with that date were satisfactorily paid by my insurance company. No one from the hospital or related services had turned my account over for collection because there was no outstanding bill. In my research, I did figure out what had happened. The hospital originally requested payment under my SSN instead of my husband 's SSN as he is the account holder. Payment was denied by my insurance company. As soon as I realized that happened, in XX/XX/XXXX, I contacted the hospital to correct the error. The bill was then resubmitted to insurance and paid. I sent a letter to this law firm with a letter stating they were trying to collect a debt that was not owed. Additionally, I enclosed plus the EOB from my insurance company to show that this bill was paid. The letter was sent Certified with Return Receipt requested by USPS on XX/XX/XXXX. The letter was returned to me marked " Unclaimed '' on XX/XX/XXXX. I filed all that away in case it became a further issue. On XX/XX/XXXX, I received another letter with the same information and offer. Today, XX/XX/XXXX, I received another from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX with the exact same offer. This letter had errors in my address that were not present in previous letters. But all letters shared a common address on the enclosed payment stub : XXXX XXXX XXXX, XXXX, CA XXXX. I feel like this company bought access to old information and are trying to see what people will be frightened into paying. How can they be stopped?
11/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33596	Web
I had a medical debt that went into collections with MBA law collection agency. The balance was from XXXX XXXX XXXX hospital in Florida for the XXXX of my son. I paid {$5000.00} in advance to my XXXX for my XXXX and XXXX. I then paid any additional statements I received from the hospital. I moved shortly after the XXXX of my son and never received any additional statements despite having my address changed with the post office. When I attempted to buy a car I checked my credit online and found a collection account from the hospital. I was denied a loan for a car due to this. The hospital never responded to my repeated requests for information and neither did my obstetrician. Defeated and fearing for the credit score I had worked so hard to obtain, I worked out a payment arrangement with the collection agency and have paid consistently and paid my agreed upon balance due over a six month period. I went online months later to check my credit score so I could try again to buy a car and found that MBA law has opened a second collections account for the same balance I have already paid off! They never removed the account I paid off and they also opened a fictitious account ( with the same original debtors information ) under their partner company ( XXXX ). Now I have three separate accounts in collections for my one original debt that I was so excited to have finally paid off. I have not received response from MBA law, XXXX or the original creditor when I tried to find out why they keep sending me to collections for the same original balance due. I even attempted to settle the amount with the hospital if they would only share with me the details of the debt. I have no reason to believe this is an accurate balance due, but they are affecting my means of transportation and therefore my ability to provide financially for my family. Here I am several months later still trying to find answers and I have come up empty handed and begging for rides from friends and family. Please help me.
03/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29615	Web
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law are debt collectors attempting to collect 3 ( three ) unverified debts of {$490.00}, {$1300.00}, and {$1900.00} on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law flagged my credit files on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. ( See attachments ) I have not received any good or services from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law. I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX and associates XXXX Law Offices MBA, or MBA Law. I have not provided any releases of my medical records to XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law and I have no idea how XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law received my private information. I have not received any documentation from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law to allow them to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. According to XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Laws website ( https : //www.law-mba.com/ ) in the blue section labeled XXXX XXXX letters I was not honorably granted the opportunity, to dispute their debt via mail instead, my credit file was flagged for collection. This proves XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law do not honor their alleged clients wishes as it is displayed on their website. ( See attachments ) As per the Better Business Bureau : XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law do not have my permission to contact me by phone. I accept mail only. My address has been provided on their notice via XXXX Mail XXXX. : EJ XXXX XXXX XXXX XXXX.
11/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30038	Web
XX/XX/2021 : I was informed by the credit bureaus that MBA placed a medical debt on my record. /////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed certified debt validation / verification letters to both MBA offices, one in XXXX TX and one in XXXX TX XXXX XX/XX/2021 : the letters were received by MBA XXXX XX/XX/2021 : The item was rightfully removed from my credit report. ///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a response from MBA stating that they didnt have sufficient time to investigate the debt and would reach back when they finished the results. ///////////////////////////////////////////////////////////////////////// XX/XX/2021- XX/XX/2021 : sometime between the aforementioned dates, this item was REINSERTED into my file. ///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a statement from MBA with a poor excuse for a document that they are trying to pass off as verifiable. There are no signatures, no official paperwork, no hospital paperwork, the page numbering is off, and there are even typos! It is a simple print off of a document that was clearly typed up by someone in their office. Frankly, Im quite offended that they thought I would even accept this. Not to mention, even if this were my information ( which it is not ) this document is clearly in violation of HIPAA. This document goes into very specific medical details about this patient. Lastly, this balance says {$0.00}. MBA, do better! Resolution : Permanent deletion of this item. Im filing a CFPB complaint against XXXX for violation of FCRA Section 611 for no notification of re-insertion. Im filing a HIPAA violation against MBA and XXXX XXXX for exposing their patients medical information to a stranger. These are serious violations and all 3 businesses need to be held accountable. Please see attached documents.
11/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85029	Web
I received a letter from Law Offices of Mitchell D. Bluhm & Associations, LLC, on XX/XX/2022, that listed an outstanding debt with a company named XXXX XXXX XXXX XXXX XXXX I don't know who that company is or what services that would have been for, so I immediately sent a letter back to them with attached emails I had sent to a company named XXXX XXXX asking about a bill I received from them that I had no idea who they were or what it was for. I never received a response from that company after repeated emails to them. I asked them to send me detailed information outlining what the bill was for. I told them I would only communicate in writing. On XX/XX/2022, I received a letter from MBA stating that they had received my dispute but no one from their firm had reviewed the account, so they would inform me of the accuracy once they investigated. I have not received any response to that as of today. Today, I received a notification of this debt being attached to my credit report. I immediately called MBA and spoke with 3 different people after being transferred multiple times. I was told that they has mailed an invoice to me on XX/XX/XXXX, just one week ago. I explained that I had yet to receive it ( it's only been a week ) and so I still have no idea who the company is or what the bill is for. I am very upset that my credit now has a major negative report that I still have no information about. If this is a valid debt, I absolutely will pay it. But I still do not know what it is for. My understanding is that they must inform me of that before they can report it to the credit agencies. I am so angry that this is now going to have a significant effect on my credit report. My understanding of my rights is that they must give me the opportunity to review the information I have requested before submitting anything to my credit report. I will be submitting a dispute to the credit reporting agencies for this.
11/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Mitchell D. Bluhm & Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 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 Mitchell D. Bluhm & Associates , LLC, 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 Mitchell D. Bluhm & Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Mitchell D. Bluhm & Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 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.
03/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34711	Web
I received a letter from in XXXX of 2019 alleging a balance owed to in the amount of {$910.00}. I subsequently responded by disputing ownership and requesting verification as well as validation of the debt. On XX/XX/2019, I receive a letter dated XX/XX/2019 enclosed with an alleged verification of the debt obtained from the alleged current creditor, XXXX XXXX XXXX. The Statement of Account provided, which I have attached for additional reference, provides NO information as to who the current creditor is, has no letterhead or company information, what their contact information is, what agreement I made to pay their offices, what services I allegedly received, when the original notice to pay was provided to me, etc. On XX/XX/2019, a collection account owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$910.00} was reported to the credit reporting agencies. At no time have I EVER received a bill or statement from any company named XXXX XXXX XXXX XXXX, nor have I received a bill statement or intent to collect any balances owed from XXXX XXXX, XXXX. Further, the response to my demand for verification and validation showed NO proof that XXXX XXXX XXXX XXXX XXXX owns the debt or that they have been assigned the debt by the original creditor. The letter shows NO verification that I owe the debt, nor does it include the valid documentation from original creditor. It is a violation to simply send a printout of the amount owed. Please remove the account from my credit reports immediately, provide original proof of notices provided to me from the original creditor, notices that the original creditor intended to send my alleged account to collection, notices from the current owner of the account providing me with the opportunity to dispute the alleged debt and all original contracts between the creditors and myself showing agreement to pay for any services rendered.
10/12/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33324	Web
I received a letter in the mail from a company called The Law Offices of Mitchell D. Bluhm & Associates , LLC. The letter is dated XXXX XXXX and describes a debt that is attempting to be collected from dates of service XXXX and XXXX with a company named XXXX XXXX at XXXX XXXX in XXXX, AZ. I am a very financially responsible and organized individual who pays any bills owed as soon as possible and have incredible credit history with no overdue bills in my life. I never received a bill from XXXX XXXX back in XXXX and this is the first that I am hearing about this outstanding debt. I spoke with a woman at The Law Offices of Mitchell D. Bluhm & Associates , LLC this morning ( XXXX ) and she told me that I can dispute the claim if I'd like ( for the amount of {$210.00} ), but that my credit will still be hit on XXXX regardless. Her solution was to file a police report if I don't believe that the debt was mine. I next called XXXX XXXX 's billing department and spoke with a woman there the same morning ( XXXX ) and she stated that I have no outstanding balance with them and that it shows that everything was paid in full by my insurance from those dates. She mentioned that they use another company for their imaging and that I should try getting in touch with XXXX XXXX to see why they sent me to collections without ever sending me a bill. I tried contacting XXXX Partners on XXXX and after several minutes of the phone ringing, my call was disconnected. I researched both XXXX XXXX and the Law Offices of Mitchell D. Bluhm & Associates , LLC, and I read several XXXX reviews and complaints with the XXXX which state very similar situations to mine. It seems many people have received notices from this debt collection company for dates of service from over 2 years ago and had not received any notices of outstanding bills prior to hearing from the collection company.
01/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45014	Web
A new collection appeared on my credit report for { {$120.00} } and ( {$710.00} ) listed as Law Offices MBA and this same company is listed under a different name as XXXX, MBA Law ( alias XXXX XXXX XXXX XXXX ). I attempted to dispute this debt collection on my credit report since I had no knowledge of the account or collection status. The collection agency did not send written information regarding the debt owed but submitted it to the credit bureaus as accurate. I have now have no way of verifying the debt ( original service date, total amount owed, etc ). I suspect this is not a legitimate debt as I have not had any outstanding bills needing attention. I recently received a communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I herby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of all and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and received any related information herein. Be advised ; if you fail to comply with this demand letter, I may turn this matter over to an attorney.
02/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43055	Web
To Whom It May Concern, The reason for my dispute is Mitchell D. Bluhm & Associates , LLC I would like to see proof of claim 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, Mitchell D. Bluhm & Associates , LLC 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 Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. Mitchell D. Bluhm & Associates , LLC 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 Mitchell D. Bluhm & Associates , LLC 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. Mitchell D. Bluhm & Associates , LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
12/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web
NOITICE XXXX XXXX XXXX XXXX/ LAW OFFICES MBA IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
12/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20852	Web
On XX/XX/XXXX I sent a letter to request a debt verification if it actually belongs to me but I have not received anything, this debt is not mine and XXXX sending a letter below what I want to do. YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A. You have invaded and breached my privacy which violates The Privacy Act of 1974. I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. You have 10 days to request for this information to be deleted from my consumer report. Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.
07/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37110	Web
On XX/XX/XXXX, I received a missed call. It said MBA Law Firm. Turns out, it was it was Mitchell D. Bluhm Law. They first asked me to verify my information. I have never heard of these people. Then they proceeded to tell me I had a debt. At first they wouldnt tell me but I finally got them to tell me it was a debt for XXXX dollars from the XXXX department of XXXX XXXX XXXX from XXXX. I have no knowledge of that. At that point in time I was on a charity program at the hospital and my mom took care of my bills. I told this place I had no debts. I then contacted the hospital and they had no knowledge of any unpaid bills. I called radiology and it was the same. I then called MBA back and told them that the hospital said that, and MBA proceeded to stutter and tried to say that the hospital wouldnt know. Then they let it slip that they bought my medical information, which violates HIPPA 4 days ago. I then got my sister involved but they refused to talk to her. I then proceeded to request and look up my medical records and discovered there are no unpaid bills. The timing is odd as well, y mom who took care of some of my bills, passed away XX/XX/XXXX. In the 2 years they claim I owe, I have not received a bill, letter, phone call, nothing from anyone. This is the first Im hearing of this. Ive tried to talk to these people but its useless. I also discovered that this place is masking a local number and the firm is actually located in XXXX, Texas. Mitchell D. Bluhm is not even a real lawyer, the Texas Bar doesnt have him. Ive also read other complaints about these people. This is a scam. Ive talked to the hospital and others and I have no unpaid bills. I am also in the process of moving and buying a place to live. I dont need this. Someone has to investigate this place.
07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75002	Web	Older American
A collection account has been added to my credit report for an amount {$340.00} that I do not owe. Debt Collector Info : MBA Law XXXX XXXX XXXX XXXX TX XXXX Here is an excerpt of a letter I sent on XX/XX/XXXX explaining why I did not owe : I received a call prior to the procedure from the providers insurance department. I was told that my share of the cost ( after insurance coverage ) was {$200.00}. I then scheduled the procedure. When I arrived at the provider location, I was asked to pay {$540.00}. I explained my conversation with their insurance department which stated I would have a {$200.00} out of pocket cost. I was told by the check in person that they would accept the {$200.00} so I paid that amount and had the procedure performed. Here is an excerpt from a letter I sent to MBA Law on XX/XX/XXXX after MBA Law placed this on my credit bureau report : This is in response to your letter dated XX/XX/XXXX regarding a balance owed for services from XXXX in XXXX. There is no dispute that I received these services. The dispute arises from the fact that I called to schedule my procedure and asked about the out of pocket before I booked the day and time. As you can see from the enclosed letter copy dated XX/XX/XXXX that I was told that my out of pocket due at the time of check in will be {$200.00}. When I arrived for my appointment, I was told it will be {$540.00}. I explained my conversation with their insurance verification team and was told {$00.00} and they said they would accept the {$200.00}. Please have your client honor their commitment. Further Notes : I received no prior notification of the debt before the collection was placed on my bureau report. No phone call, no letter, nothing. Super unfair to do this without even talking to me.
01/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web	Servicemember
existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT There is a collection on all three bureaus for {$150.00} from Law Offices XXXX -ALLEGED ACCOUNT # XXXX that does not belong to me I sent XXXX XXXX XXXX a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from XXXX. This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I am putting XXXX on NOTICE : to verify and validate this debt but do buy some random account for pennies on the dollar and slam it on my report without VALIDATION i have no recollection of such account. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33056	Web
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. LAW OFFICES OF XXXX {$200.00} 2. XXXX XXXX XXXX XXXX {$840.00} Sincerely, XXXX XXXX
02/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43085	Web
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX C/O MITCHELL D. BLUM & ASSOC. LLC I would like to see proof of claim 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, XXXX XXXX XXXXXXXXfailed 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 Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. XXXX XXXX XXXX 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 XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32086	Web	Older American
The following debts belong to my father who died from XXXX in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices MBA {$2600.00} XX/XX/XXXX ) ( XXXX XXXX. XXXX accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
04/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
Im writing because I noticed that a collection for XXXX XXXX XXXX XXXX for the amount of {$770.00} appeared on my most recent credit reports as being seriously past due. This is an erroneous account. The date of service for this account was XX/XX/2019 and was listed in my daughter 's name. On this date, my daughters and I were in a car accident in which we all received service at XXXX XXXX in XXXX, LA. On this date both of my daughters were adults and should have been billed for their own services. XXXX XXXX sent my daughter 's bill in her name and XXXX XXXX XXXX XXXX sent the doctors portion of the bill in my name. I notified them several times that this was incorrect. They refused to resubmit the bill in my daughters name and file the debt with the insurance company. Therefore, two errors were made. The bill was erroneously placed in my name and the bill was never filed with insurance. They stated that they did not have the insurance information which is untrue because it was presented in the emergency room. Furthermore, they filed the insurance for my bill on the same date as you will see in the attachment. The payment for this date of service was already fulfilled for services provided to me from XXXX XXXX XXXX, XXXX. I am not obligated to pay them twice since this is not my bill. Because of these errors, I am falsely accused of owing them {$770.00}. Although XXXX XXXX XXXX XXXX placed this bill in my name, I am not the guarantor of this bill and is not responsible for this bill. I did not sign anything in the hospital assuming responsibility of this bill. This is a billing error and should be removed from my credit report which I disputed. I have not been able to resolve this issue and am now seeking your help.
02/24/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 49426	Web
XXXX XXXX XXXX. and said it was assigned to XXXX address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX Hospital/ XXXX XXXX from XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XX/XX/XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name Mitchell D. Bluhm & Associates LLC. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX one in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.
01/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78520	Web	Older American
Back in XX/XX/XXXX, I noticed on my credit report there was a collection account for {$1300.00}. When I realized that this debt represented a few hours stay at a local hospital, XXXX XXXX XXXX on XX/XX/XXXX. I had checked into this hospital due to breathing problems ( Not Covid-19 related ). From this hospital, I was transported by ambulance to the XXXX XXXX in XXXX XXXX that same day. I did not have any medical/health insurance at that time. However, staff at the XXXX XXXX assisted me with my application for XXXX and XXXX which was approved about 90 days later. When I got the approval, I placed a telephonic call to the XXXX XXXX XXXX and provided them with my XXXX XXXX number so they can receive payment for their services from XXXX -- -this was around XX/XX/XXXX. Imagine my horror when I discovered that the above -referenced medical-bill for {$1300.00} was now appearing on my Credit Report ( CR ) as a collection account. I immediately contacted the Collection agency, AR Resources ( see attached AR document ), and explained that this bill was already paid by XXXX XXXX Upon their investigation -- -AR Resources removed the collection account from my CR -- -this was back in XX/XX/XXXX. Fast forward today, XX/XX/XXXX, the same bill for {$1300.00} shows back on my CR but from a different collection company, XXXX XXXX, from XXXX, Texas. I immediately contacted their office and spoke to XXXX, XXXX XXXX XXXX, explaining to her this account was paid by XXXX back XXXX XXXX. She informed me that I would have to provide Proof of coverage and a copy of my XXXX XXXX XXXX -then she will remove it from my CR. Be that as it may, be, I do not trust XXXX XXXX, thus my instant complaint to CFPB.
09/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77381	Web
On XX/XX/2018, I had to have emergency XXXX taken at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. The hospital agent was XXXX XXXX. After this, I did not receive a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from XXXX XXXX XXXX. After asking them several times to provide the original invoice for the service they are collecting, they sent a confusing ledger. ( attached ) To date I dont have the original itemized invoice. The bill seems to originate from XXXX XXXX XXXX XXXX at XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX LA XXXX BILLING NPI : XXXX in network. The collection company argues that XXXX XXXX XXXX or her administrative company XXXX XXXX, ( XXXX XXXX, XXXX XXXX XXXX ) did not have my insurance information until after the time to file the claim expired, which is impossible since I presented my information at the time of services. The hospital agent was XXXX XXXX. ( attached form ) Furthermore, their own Patient Portal has me as covered with them by XXXX XXXX from XX/XX/2018 ( attached ) XXXX XXXX received and processed three claims originating from this event. Claim XXXX, Claim XXXX and Claim XXXX. There is not a denied claim from the provider you represent. ( attached email from XXXX XXXX ) I have paid the patients portion of the only claims they processed. I believe this is an administrative failure on your part and XXXX XXXX and I should not be penalized for this failure by sending the account to the credit bureau and charging more than what my insurance would have allowed.
03/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23234	Web
I called MBA Law ( The Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Attorneys at law ( today XXXX/XXXX/XXXX ) to get information about an attempt to collect on a very old medical bill. I felt billing was duplicative of a medical bill already in collections with XXXX XXXX. I asked the rep that I spoke with if this was a debit MBA LAW obtained from another collection agency. She said it was not and was received directly from XXXX XXXX XXXX. I looked back into my records and discovered that this is not the case, and this debt was with XXXX XXXX. In addition, the MBA correspondence indicated that the current Creditor is XXXX XXXX XXXX. I have no knowledge of this agency and never received any correspondence or spoken with this agency. I also indicated that my call was triggered by the prompt received online indicating that I was not able to enroll to get information " due to the status of your account ''. In calling I was told that in order to be able to view any information electronically, that I had to send an email acknowledging ownership of the debt. Even though the written correspondence encourages online use. I find the tactic of withholding online access ( the ability to obtain information ) unless I send a statement that I am responsible is a potential UDAAP trigger. I believe it is MBA Law 's intention is to restart the clock on an old debt where the statute of limitation may have passed. Facts regarding the dispute : As a Virginia resident the statute of limitation is five years this originated in 2018 This debt was sold a possible 3 times and old debt should not hit my credit report as new debt.
10/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75126	Web
I am the victim of identity theft. 4 years ago, I discovered this when I was purchasing my 1st home. All the fraudulent accounts went to collection, and I had to file a police report and send all of my identifying information to all 3-credit bureau 's which included my drivers license, my professional work license, my social security card, my birth certificate, and a utility bill. Each time a collection company tries to reach out to me I inform them of the identity theft. Unfortunately the companies just sell the information to another collection agency. On XX/XX/22 I received an alert that there was a collection on my credit file. I immediately reached out to the company who stated a debt was owed for {$260.00} dollars but was not in my name the debt has my 1st name XXXX, but a different last name " XXXX XXXX '' a name I have never went under. My name is XXXX XXXX, I have never went by the name XXXX XXXX. I made this company aware of the identity theft and using a fake last name with my social security number. This company has never reached out to me before they flagged my credit report. I have reached out again to all 3-credit bureau 's again and reported this account as fraud. The representative was rude and dismissive and ended the phone call with me. I do not owe any current debt with this company. I asked the representative who the original debtor was so I could reach out to them to inform them that this account was open under fraudulent premises, but she would not let me know and ended the call.
08/18/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33613	Web
MBA law placed two collections on my consumer profile totaling over {$6000.00} stating they were due and owing at the time. I then receive the " bill '' that showed a total balance due was only {$0.00}. After pointing this out the falsified debt was then placed with XXXX with different dates. This company recently admitted to being " XXXX XXXX '' which is conspiracy and conflict of interest by itself. They have finally removed it after many disputes yet have since allowed access to this confidential information to other companies. This company has affected my financial health severely by submitting false accusations of debt with forged bills and polluting my consumer reports and is still requesting hospital release forms from 2017 and sending me private HIPAA protected information out such as financial responsibility forms in an attempt to justify the fraud they have committed despite knowing that the debt was paid by medical insurance as shown in their falsified bill. This company is causing me XXXX and mental anguish by not taking responsibility for their actions. I am severely worried about the financial statement as they have shared falsified bills enough times already and since they have cropped out the hospitals name on the financial release form, they might sell that form for other companies or even themselves to torment me even more. This company not only has caused me to lose faith in the economic system of the United States of America, but makes me no longer want to voluntarily participate.
05/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33713	Web
I had a great credit score I tried to keep all my life and now an attorney from Texas shows up on my credit as an added new account from XX/XX/2016 which I had no Idea they can add an account to your credit with out your consent. so each month it shows you didn't pay on a bogus account they added, I had no contact or communication with these people at all ever. they keep hitting my credit every month, this was also on my credit I believe with another collection agency awhile back and also affected my credit score and then it gets sold to the next collection agency. why cant these people do their research first to make sure it was already submitted to my XXXX as a claim in 2016 and they processed it. before they go unto damaging peoples credit with no proof of claim was processed correctly or incorrectly? On Medical debt for all people is mainly error from medical billing people can not process or submit claims correctly so alot of these end up in collection at no fault of ours all has to do how medical billing submits claims. if they would submit the right way we wouldn't have this big problem. medical claims in collection should be reevaluated with medical insurance company first to resolve before, then can take next step if they need to. Sometimes the claim would need to be resubmitted correctly to process and will show paid or completed. Why is it that we have to do the work for everyone in billing dept with XXXX and try to retrieve OLD information on a claim that was submitted along time ago.
04/24/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	KY 40324	Web
I received a letter from Mitchell Bluhm Law regarding a bill for my adult son stating it was an older bill from XX/XX/XXXX with a balance of {$170.00}. I contacted MBA Law and set up payments with my debit card. After they have my card information, the next letter I get states the date of service was in fact not form XX/XX/XXXX, but from XX/XX/XXXX. The letter was dated XX/XX/XXXX. NO account is going to go to collections in 4 weeks time. They had already taken payments out of my bank account with the impression that this was an old bill, not a bill from 4 weeks ago.. and my son was not in the hospital on that date. So I called MBA on XX/XX/XXXX twice and left 2 messages questioning this, and asking for a call back. I emailed 2 people asking them to stop the payments ( they told me on initial contact that I could request to hold payments ). I got ZERO response from either contact. So I called again on XX/XX/XXXX, XX/XX/XXXX. So on XX/XX/XXXX I contacted my bank and told them what had happened. My bank reversed the charges and put a request in to MBA for contact. The next thing I get is a notice that they have reported me to the credit bureaus. Without even acknowledging my requests for clarification of a debt that say I owe for my adult, XXXX son who is also on XXXX. Yesterday, XX/XX/XXXX I called MBA again and left 2 messages. I got no returned call. Today I have emailed them twice, no return messages. But yet they want my money and can not validate a debt.
01/11/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75501	Web
on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....
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	FL 33178	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
11/16/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29642	Web
The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are debt collectors attempting to collect multiple debts from me on behalf of medical services, I have not received from them. My credit file was flagged two times on XX/XX/2021 for {$2200.00}, and for {$1000.00}. I am not a, party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as Law Offices XXXX. I did not receive any documentation from The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as LXXXX XXXX XXXX to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection I have no idea how The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are received my private medical information. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are violated my H.I.P.P.A. rights and is attempting to collect multiple debts that do not belong to me. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. Please be advised that The Law Offices of Mitchell D. Bluhm and Associates are not holders in due course and they do not have a permissible purpose to use my private information.
07/24/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web	Servicemember
On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a Bill allegedly for XXXX XXXX received at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Specifically, medical service allegedly provided by XXXX XXXX, XXXX at the Emergency Room of such Hospital. However, I rebutted this alleged medical service billed based on the fact that I did not authorized any type of medical service at this XXXX XXXX XXXX XXXX XXXX. I mailed certified letter requesting Cease and Desist along with reference documents regarding complaint filed against this doctor XXXX to the Texas XXXX XXXX. I received in return, attached a Billing Summary from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- which it is the official billing system of XXXX XXXX XXXX XXXX in XXXX and in XXXX XXXX, Tx ; this Summary showed {$0.00} BALANCE as of XX/XX/XXXX regarding allegedly outstanding balance from XXXX XXXX MD. Now, XXXX XXXX XXXX XXXX disregarded this fact, and SOLD this CLOSED XXXX to this Collection Agency lead by XXXX company that I just received on XX/XX/XXXX. It is not acceptable that I had to deal over and over with the same alleged issued when it is been already addressed with XXXX XXXX XXXX XXXX in the first place. I respectfully request from this office to please contact this MBA-LAW office to once again state my rightful answer of CEASE AND DESIST regarding this matter. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX
02/23/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32750	Web
I got a notice in the mail dated XX/XX/XXXX from " The Law Offices '' of Mitchell D. Bluhm & Associates , LLC about allegedly owing {$1300.00}. The letter states that a XXXX XXXX XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and that this account has been placed in collections. I haven't previously had any statement of a delinquent medical bill by either and if I had, I would have made payment before it went into collections. It says the service date was XX/XX/XXXX, but I never received ANY notice until now nor do I recall receiving ANY sort of service as described around or near said date. This could negatively affect my credit score and I've just started to receive multiple robo calls from spoofed local numbers, clearly a TCPA violation. The letterhead on the notice from XXXX also seems to imply that they are a law firm and attorneys, yet any other information points to scrupulous debt collectors. I would like it stated in writing that this debt isn't valid and that I am declining responsibility of this debt. I never received prior documentation from this XXXX XXXXXXXX XXXX, of whom claims ownership. This company has failed to provide an itemized bill detailing the alleged services / debt. The XXXX Account Number referenced is XXXX. I intend to take whatever action is necessary if this harassment and issue are not properly resolved in a timely manner.
08/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64083	Web
On XX/XX/XXXXthe Law Offices Of Mitchell reported a medical debt to my credit report that does not belong to me. This debt had already been disputed once with another debt collector and had been removed from my credit report, so the Law Offices of Mitchell must have bought out this debt. I have not been to a medical facility in at least 10 years. I do not have any liability to anyone else, for any medical payments. This debt does Not Belong To Me. I have had to dispute under identify theft before, with the credit bureaus. In XX/XX/XXXXMy vehicle was broken into and my checks and ss card/ID was stolen along with all of my business equipment. At that time I had to change my bank account information and issue a new ID & SS Card. As stated before, this does not belong to me. I haven’t even received a bill to call and dispute, I have already taken it up with the credit reporting companies. This needs to be removed from my report, and not sold to other parties. I am in the process of buying a home, and this debt is hurting my loan which is already in the process of closing XX/XX/XXXX. These people need to figure it out, if they have a copy of the information provided they should share. I don’t believe it’s fair I have to keep disputing the same debt, and the original company- XXXX XXXX XXXX Of Missouri and the debt collectors keep selling it to a new party.
07/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70127	Web
This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
02/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75039	Web
Date of services XXXX at XXXX XXXX at XXXX XXXX. My insurance was billed and radiology partners/singleton associates alleged mailing me a statement for {$260.00} that I never received due to mailing statement to the wrong address. I paid all other services I received from other entities, but never received anything from singleton associates. XX/XX/2022 I received a letter from the law offices of XXXX XXXX XXXX, debt collectors. I attempted to call and find out more information- since I am a victim of fraud and identity theft - I requested proof of alleged debt. They sent me a vague statement with wrong address and I called and spoke with two individuals that were rude and accusatory- I hung up due to conversation was not going no where- they didnt want any explanation, they wanted to bully me into paying debt. I called singleton associates directly to explain situation numerous times and was told by many employees that my situation was documented and I would receive either a phone call, email or correspondence in the mail. Ive Never received any correspondence of any kind from anyone to reach resolution. I placed a complaint with XXXX and singleton associates avoided resolution. Meanwhile, law offices of XXXX XXXX XXXX has sent a derogatory message/comment on me and my husbands credit report. I would appreciate any assistance in this matter.
03/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32080	Web
I went to emergency room in 2014. I was misdiognosed given the wrong antibiotics and was back in the ER a month later. I had not recieved a bill from the hospital and found out a collection agency had put every bill on my credit ruining my credit. every year since they total the bill up change names and put it on my credit as a new debt. It went from a {$1000.00} to almost {$10000.00} now. Ive tried disputing this with yet any results from the same credit companies giving away our info. what can do? In the past I paid a debt collector in full 10x the amount of the original bill and it had no effect on my credit It stayed for 7 years. These agencies now are changing names and every year acting as a new bill and adding to each other. I didnt even think medical bills were supposed to damage a persons credit being nobody expects emergencies and noone can afford there bills. One of my bills is {$500.00} for for someone bringing paper towels. one is {$500.00} for someone bringing a towel. I know that is another issue and the towel person has to maintain a luxurius lifestyle while I poor down sweat everyday taking care of a family barely surving, But collections destroying peoples lives by holding a persons lives XXXX and fraudualant tactics of robbing people and giving nothing in return should be dealt with very harshly for the safety of the public.
07/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 498XX	Web
On XX/XX/XXXX I was seen at the XXXX XXXX department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by MBA law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( XXXX XXXX ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted XXXX and have yet to receive a response. I contacted MBA LAW and they were unaware of who XXXX XXXXt was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.
11/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78501	Web	Servicemember
I received a bill on XX/XX/21 by XXXX XXXX The law offices of Mitchell D. Bluhm & Associates , LLC Attorneys at law for the amount of {$770.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. I will send a SECOND and last request for a VALID debt validation with the following. 1. ) provide breakdown of fees including any collection costs and medical charges. 2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies. & 3. ) Cease any credit bureau reporting until the debt has been validated by me.
08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD XXXXX	Web
A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
12/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 196XX	Web
XXXX XXXX XXXX - charge - medical bill I was asked to pay for imaging that could not be read by a radiologist - imaging was poorly done. It missed standard of care quality elements. In other words, it lacked information that is normally included in such imaging and reporting. Associated radiologist agreed and removed their own charges. There was no customer service department, and therefore, no resolution path within XXXX XXXX XXXX. With their billing department I tried to dispute bill but they would not discuss ; ordering doctor also tried to help resolve this issue because the imaging could not be read. I eventually contacted a XXXX XXXX XXXX Vice President for help ; he said he'd help but did not follow up. Non payment went to collections, and for several years I have been harassed by collections. I can provide a list of blocked telephone numbers from credit collectors. I ran my XXXX report in the summer of 2020. The bill is now bringing down my credit. Note that I am in my XXXX and have had nearly perfect credit for all of my adult life. Due to the ongoing harassment, I finally offered to pay the bill ( in writing, with the debt collector if they'd remove it from credit reporting as an error. They did not respond within 30 days - It's been 6 months ). See letter, and USPS timestamped return/receipt.
06/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH XXXXX	Web
In light of my previous complaint XXXX where I disputed the XXXX account associated with XXXX XXXX accounts XXXX _ please know XXXX XXXX is ALSO pursuing XXXX. The response to the above referenced complaint, was the collection account from XXXX was removed. Please also know, the XXXX XXXX NEVER responded to my CFPS complaint nor my request for documentation to support the balance of {$460.00} THAT WAS PAID! This account was removed from collections from my credit Report and I have heard NOTHING sense. Then I get a call from Mitchell D Blum & Associates Law Office, It was not until 5 min into the call, they admit they are a COLLECTION Agency! Please see the attached letter I received this is a COLLECTION company presenting themselves as a LAW FIRM which is a clear violation of FDCPA! In addition to this, there practices are XXXX! The XXXXXXXX XXXX sold a debt that was RESLOVED and now I am being harassed by some fake law firm! This must stop! Someone needs to do something with these abusive companies! This account was resolved within my last disputes of the vitality of this debt, and this needs to be honored by this makeshift lawfirm! It is a violation of FCRA to reinsert a deleted / previously disputed account!!! Therefore, I demand this company cease the negative reporting of this invalid debt! m,
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29360	Web
I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web
The collection agency, MBA Law ( Mitchell D Bluhm and Associates ) have a notorious history of trying to collect false collections. I first received a notice for a medical collection on my XXXX, that dropped my score 55 points for a supposed collection for {$300.00}. I contacted the agency and ask for proof of the debt I owe and an itemized receipt with medical coding, they were not able to do so. They said they would have to contact the XXXX for this information, and should have it 30 days later. Never received anything. I contacted the hospitals billing department and they have no record of selling anything to this collection agency. They actually gave me a copy of all my visits and amounts owed from all my visits. I then decided to dispute on XXXX and the account was eventually disputed and deleted. Today, this same account showed up on my XXXX for the SAME date and amount. According to the XXXX, this company has a notorious history of trying to collect non-existent past due balances from people. This agency is ruining peoples credit history, fraudulently. They never contact you to make you aware of this collection and just shows up on your credit history. Something needs to be done about this fraud agency, and they need to be taken to court as they have violated FDCPA many times.
02/10/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CO 80013	Web
I tried getting in contact with a supervisor and they refused to service me or have any contact as I requested a cease and desist in communication. Please refer to my Consumer Rights stated below that Im allowed too exercise because, I identify as a consumer 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I dont owe a debt of any company of such also this is a violation of : 15 U.S. Code 1692g - Validation of debts Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Please show me the original contract and statement of my signature XXXX, XXXX without recourse with the right to rescind. Your company has 30 days to produce me the original contract with my legal signature. This is the tangible instrument your company fails to show and provide to at all with this document stating I will be sued if, I dont disclose personal information. This is considered identity theft for the falsifying information in an attempt to violate my privacy.
03/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33461	Web
My FICO score drop to XXXX from XXXX suddenly on XXXX and when I search for " WHY '' i got notify from the bank to go for a credit report at XXXX which I did got the report. Per report- a Debt collection account opened on XXXX with a balance amount of {$170.00} which I didn't aware of that. I contacted with them and got replied- they sentmailed me and also call my cell-phone number but none of the calls or even letter I didn't received from them not even any debt related noticed. I moved from my old address to the new address on XXXX. I did the address change at USPS at the same time when I already moved and I received all my mailed that delivered to the old address and still continuing receiving but again- I didn't received any mail or noticed related with Debt collection. However, when I verified my address with the collection department they have my current address. NOTE : I didn't received any prior noticed or calls regarding this issue and my credit score drop due to collection department Debt procedure which damaged my credit history as well as to purchase my new vehicle and also to purchase some home appliance stuff. I would like to request to pay attention to this matter and help me to resolve this issue as soon as possible.
07/01/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77477	Web
On XX/XX/2022 I was sent a document from the law offices of Mitchell D Blum & Associates LLC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX The document was an attempt to collect a debt and for the amount of {$380.00} The original account # on the document is # XXXX Texas law requires debt collectors to carry a surety bond and requires they communicate their bond number upon request. The document I was sent does not have a bond # nor does the website for this business. Florida Law requires a debt collector to be licensed in the state of Florida and carry a surety bond. Florida law also requires debt collectors to communicate their license and surety bond details upon request. I called the offices of Mitchell D Blum & Associates LLC on XX/XX/2022 to ask about their bond number to validate their are an actual business that is authorized to collect debt in the state of Texas. The associate I talked to could not communicate the surety bond number to me and was very combative. I believe Mitchell D Blum and Associates LLC along with XXXX XXXX XXXX are engaged in identity theft in a attempt to illegally induce me to pay {$380.00} or have my ability to engage in commerce restricted via derogatory credit reporting.
11/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30291	Web
LAW OFFICES OF MBA {$740.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. THEY NEVER RESPONDED
08/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 206XX	Web
I was notified by my XXXX from a job I applied for that I have an collection acct for {$990.00}. From a company called MBA Law ( XXXX ) when I contacted this company they stated that I had a XXXX XXXX XXXX ( XXXX ) I notified the company I believe this is a mistake and I inquired why didnt I receive any notification from them about the bill I contacted XXXX XXXX twice and spoke with XXXX from billing who stated she dont see a bill in that amount and further more they do not deal with an MBA Law. They stated they felt with a company called XXXX help XXXX. I called the number twice to see if they possible deals with MBA Law and where did this bill may have come from since XXXX do not have a bill. I called the first time stayed on hold for XXXX. Someone picked up and hung up I called back being placed on hold XXXX minutes and someone did the same thing. MBA law is trying to get me to Pay a bill that I do not owe. Further more they placed this on my credit report without properly notifying me of such bill. I have XXXX insurances atena and XXXX both XXXX my parents so I normally dont receive a bill because XXXX is XXXX and XXXX pick up the balance. I may not get the job because this company placed this on my credit report.
02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21037	Web
XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX Hospital, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. Thank you
03/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45236	Web
I received no notice from MBA Law regarding a medical debt that accrued in XX/XX/XXXX, nor did I receive any notice from XXXX XXXX where this supposedly originated from. I did not receive a single phone call nor did I receive a single notice in the mail or anything electronically. I check my credit report frequently, and recently there was a collections account placed with MBA Law stating that I owe {$1000.00}. To my knowledge, this debt was settled in full in XX/XX/XXXX - I have proof of payment. I have contacted MBA Law 5 times, asking that a representative with their company contact me regarding this matter and to provide proof that this debt is in fact owed. I have not received one response from MBA other than them finally sending me a PDF that overviews the debt. I have asked several times for further proof and if it is in fact mine I will then negotiate. I want this removed from credit report immediately as it has negatively impacted my score. I have yet to receive a response. I have attached the original notice of Debt from XXXX XXXX services that outline the debts accrued from XXXX from two separate visits in XX/XX/XXXX. I have also included the proof of payment after a negotiation.
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX XXXX, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. Thank you
06/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 45255	Web
I received a call from Mitchell Bluhm and associates regarding an old medical debt. Three dates of service, however I applied for financial assistance through the hospital and believe that the bills had been waived. These people called me, claiming to be a law firm. They are not a law firm, they are bill collectors. The debt has been sold three times and I haven't heard anything about this for a long time until today. The person told me I was " not yet '' named in a lawsuit, and if I paid them they wouldn't sue me. I asked if the number she had called from was her call back number, and she said yes. However, I looked up the number and it is VOIP. The number came up as in my area ( XXXX ), but this company is located either in XXXX or XXXX. They have called me from a second number that is also a VOIP. I told them I would reach out to the creditor. Then, later I called back to request their mailing address so that I could send a debt verification letter. The woman on the line was hesitant to give me the address, but the address she gave me is a P.O. Box located in XXXX, XXXX. They are harassing me and making false statements, threatening legal action if I don't pay now etc.
10/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK XXXXX	Web
I have recently received a bill from MBA Law Firm located in XXXX, Texas. The bill claims I owe {$5600.00} to a current creditor called XXXX XXXX. It also states the previous creditor was XXXX XXXX. I spoke with a female, " XXXX '', who claims she is a debt collector with the above stated law firm. She advised me that I owe the above stated amount due to lab costs approved by my doctor. I spoke with my doctor and his business manager who both told me that it was a scam and I did not owe anything. This " Law Firm '' claims the date of service of the bill was XX/XX/2018 but I have never been contacted, or so much as received one bill from them. So they waited 1 year and 6 months to send this letter and are only allowing me 30 days to resolve it or they would report it to credit reporting agencies. " XXXX '' couldn't give me any specific information about the bill and gave me a bogus number to call. She claimed the number was a patient advocacy line but I cant get anyone to answer. I am a hardworking citizen who has worked years to build my credit to where it is. I don't even have ONE late payment on my record. This bogus bill for {$5600.00} would truly devastate my family.
11/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22304	Web
I incurred a {$200.00} medical expense at XXXX XXXX XXXX ( XXXX ) ( owned by XXXX XXXX ) in XX/XX/XXXX. I never received an actual bill from them ( which is a separate issue ), but I began received calls from XXXX XXXX XXXX XXXX ( XXXX ) about a year later, XX/XX/XXXX. I paid the debt in full to XXXX. I did not receive a receipt directly from XXXX, but the payment is shown on my VHC/Alteon records XXXX The balance now shows as {$0.00}. In XX/XX/XXXX, I began received letters from an entity calling themselves " The Law Offices of Mitchell D. Bluhm and Associated '' ( MBA ) stating that I still owed {$200.00} for the same date of service ( XX/XX/XXXX ), which I had already paid to XXXX. I contacted XXXX in XX/XX/XXXX contesting the debt, providing a copy of my {$0.00} balance with XXXX showing the XX/XX/XXXX {$200.00} payment to XXXX. In early XXXX, I received a response saying that they did not accept my proof and would not clear the debt. I have also tried contacting XXXX to obtain a receipt for my XX/XX/XXXX payment, but all numbers I have found do not work. I also tried their posted email in XX/XX/XXXX and have not received a response as of XX/XX/XXXX.
04/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22153	Web
I received a phone call about two weeks ago from this company. I didnt receive anything else and this was also my first communication I have gotten. They stated that they were attempting to collect a debt, and I did not know what debt they were talking about. They said I owed {$51.00}, and I was willing to pay online, the woman on the phone said that she would walk me through paying online instead of providing me the web address. I said that I couldnt stay on the phone long because I was at work and asked if she could call the next day. We agreed on XXXX the following day. She never called. On XX/XX/2021, I get a notice in the mail, stating it was collecting a debt. On XX/XX/2021, the notice was sent and on same day, they flagged my account for collections. I never got proper notice, and never got a callback number or email address or web address to contact. I didnt even know HOW to pay the debt let alone know its legitimacy and what the debt was in regards to. They only called me one time and sent one notice, all within the last two weeks. To date, this account is paid in full - despite the lack of communication and proof of legitimacy on their behalf.
01/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80227	Web
On XX/XX/XXXX I received a letter from " The Law Offices of Mitchell D Bluhm & Associates,, LLC Attorneys at Law '' based out of XXXX, Texas requesting I pay a past debt dating back to XX/XX/XXXX. They informed they were debt collectors when I called and that they were seeking {$3900.00} for medical services rendered at XXXX XXXX XXXX XXXX. Upon further research, the medical facilities seem to reside in Illinois, and I currently reside in the state of Colorado. I have not been a doctor in the past 4 years, let alone one within the the state of Illinois. I informed them that it was not me to which they requested I file a police report. In order, I reached out to the XXXX Police Department in Colorado who then directed me to The XXXX Police Department. They then transferred me to the District Attorneys office who explained that I needed to reach out to the FTC and file a report through them. Finally I was directed to the CFPB where I am now trying to figure this out. My father is Head of Investigations for the XXXX County Sheriffs Department and said he will help me file a legit report if I keep getting redirected so I hope this helps. Thank you.
07/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44130	Web
Received notification through XXXX XXXX that there was a collection amount of {$990.00} owed to a collection agency, MBA Law. I also received a letter in the mail from MBA Law stating the collection amount but no information provided as to where this came from. The original creditor name was XXXX XXXX, a hospital I have never been to and is only affiliated with two hospitals in the state of Ohio, the city of XXXX and the city of XXXX ( all other locations are not in Ohio ). I live in XXXX, Ohio and both of these hospitals are much further than my local XXXX hospital ( where I always go to if need be ). I have not been to the hospital at all this year and with COVID going on I chose to visit my local urgent cares if I had to. Since I do not have health insurance I paid upfront for every visit at a local urgent care. Since this has been turned over to MBA Law my credit score has decreased significantly over this. I have had a credit score of XXXX and above on XXXX, XXXX and XXXX since I have established credit. Again, I have not been to a hospital at all this year and I am completely baffled how I have a hospital bill from XX/XX/21.
08/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33406	Web
On XX/XX/2019, I exercised my rights under FCRA 611(a)(6)(B(iii) which provides that a consumer may request “a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available,” regarding inaccurate accounts on my credit reports reported by XXXX/Law Offices of Mitchell Bluhm by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, XXXX/Law Offices of Mitchell Bluhm is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
07/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30519	Web
I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law about an alleged unpaid balance from XXXX XXXX XXXX XXXX. I disputed the amount owed outside my co-payment and what was paid through my employer. I since then never received any other communication from the XXXX XXXX XXXX about owing any balance. I sent two letters detailing to this attorney 's office that I dispute the amount owed and that I don't owe this amount, but in good faith asked for an itemized bill to show what their accusing me of owing, which I never received. A letter date XX/XX/2023 stated that the account was sold to XXXX XXXX XXXX, and that they're attempting to collect the debt on there behalf. I never had any correspondence with XXXX XXXX XXXX about them purchasing a debt in which I'm responsible for. The bill from the hospital shows a balance of {$0.00}, but a typed letter without a letter head was attached with my name an alleged balance. I do not owe the hospital or anyone any money and I wish to stop being harrassed by this The Law Offices of Mitchell D. Bluhm & Associates , LLC on behalf of XXXX XXXX XXXX.
11/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
07/03/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 377XX	Web
On XX/XX/XXXX I looked at my consumer report and I see law offices mba on my consumer report. PER federal law 15 USC 1692 E ( 3 ) States that false representation or implication that any individual is an attorney or that any communication is from an attorney. The first communication I have is noticing this law firm on my consumer report with the name of law offices mba. I never had any written communication stating anything of this item that is on my consumer report per 15 usc 1692 c. I have never given this company permission to falsely place this item on my consumer report and by looking at this alleged debt this is a hippa violation due to the fact I do not know who this debt belong to because it does not belong to me. This is why you are to communicate the alleged debt to me by written notfication because this is clearly identity theft and a hippa violation. This company is false and misleading I have never went into any contracts with this company. per the privacy act of 1974 I never gave this company permission to purchase this debt and I opt out of this company reporting to my consumer report per 17 cfr 248.125.
01/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Servicemember
XX/XX/XXXX Please reference my original Complaint # XXXX, filed XX/XX/XXXX I have received another notice from the same company with a " reduced '' amount to pay. Per my original complaint, the VA has paid this debt once, possibly twice. I am a veteran and " all bills submitted '' to the VA, are paid through the VA. I had a three way conversation with the nasty woman who said she was an attorney and the VA billing department. She didn't do much listening however the VA and I managed to get through the conversation with her. Arrangements to pay the bill were confirmed and all parties hung up. The VA billing did add that their bill had NEVER been submitted to the VA however it did line up with when I was hospitalized. They can reduce the debt down to a dollar and I will not pay it! If their billing system is so messed up I get a notice once a year, and they can't find the payment sent to them. that's on them, not myself or the VA. To reduce the bill after I filed a complaint saying I would not pay a debt I do not owe is a testament to their inept handling of this matter. I will not pay what the VA has already paid.
09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 350XX	Web
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
08/07/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93063	Web
I have a collection agency trying to collect on an old debt. 5plus maybe 6 years old. I get continues calls to my business line and they have even sent a person to give me paperwork stating they are suing me in court. I have signed nothing or admitted to owing this money to this company. They bought a bad debt and are now pressuring me to pay it. They report it on my credit multiple times a month every month harassing me and using the reporting to the Credit bureaus to district me by distorting my credit. By them doing this it has made my life very difficult and has affected me financially. I believe the statue of limitations in the state of XXXX for credit card debt is 4 years, correct me if Im wrong but they do need to move past me and stop reporting multiple times a month to the credit bureaus in turn Destroying my credit. The above mentioned company is law offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XXXX ) XXXX please let them know they need to stop reporting on my credit report or I will be suing them for distorting my credit making my life difficult and pursuing this illegally.
07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35160	Web
have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
07/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33418	Web
Beginning of XX/XX/2019, I got an alert from my bank and XXXX XXXX XXXX via XXXX XXXX that there was a change in my credit score. I looked it up and my credit dropped XXXX points. It stated that the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX began a new line of credit or account to my credit report. After inquiring about the collections report we found out it was from XXXX XXXX in XXXX XXXX XXXX, FL. After calling them, we then found out that they had been sending my bill to the incorrect address. An incorrect address that I had never lived at. We then sent them a copy of my drivers license ( for correct address proof even though they were the ones who entered the address incorrectly ) and set up a payment plan. They never spoke with us before putting us into collections and we never received the bills. It is still on my credit report even though my husband I have repeatedly tried to contact XXXX and XXXX XXXX XXXX XXXX XXXX telling them it was not our mistake. I was even spoken to like a criminal by the XXXX XXXX XXXX XXXX. thank you so much for any help you can provide.
06/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
This debt was placed in collections and I was never contacted. Secondly this debt was charged off by the original debtor more than 180 days ago which it is illegal to sell after it has been charged off more than 180 days ago it has been placed on my credit without me having a chance to resolve it also caused my score to drop significantly in the last 60 days I tried to contact the.debt collections company and advised this was not my debt. I asked the supervisor how did they obtain the account in the first place at which time he explained that his company had purchased it from another third party not the original debtor I then advised him of the law that it is illegal to sell off debt accounts that are more than 180 days charged off he then informed me that he has been doing this for the past 11 yrs and this was the first time that he has heard this. I think that MBA LAW SHOULD BE INVESTIGATED if they don't know the laws they should not be doing this type of work they also should not be placing things.on people 's credit report and causing problems for things that they have no knowledge of
02/26/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NE 685XX	Web
A man called from XXXX XXXX XXXX on Friday XX/XX/2021, at XXXX stating he was from the Law Office of Mitchell D. Bluhm and Associates , LLC to speak about a personal matter. The man requested to verify my date of birth and last four of my social security number. He stated them as they were listed in his records to me. I stated that I would not be giving any information until I knew exactly what the personal matter was for as I had already mailed a request for validation of the debt they claim I owe. I sent a letter on XX/XX/2021 requesting a validation of the debt they claim I owe to them. I specifically stated in my letter to cease and desist all communication until I had received information back from the office and for 30 days after to review the information. I have not received any information nor the return receipt that I sent with my request. I requested VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. According to my rights the Law Office of Mitchell D. Bluhm and Associates, LLC has violated the Fair Debt Collection Practices Act and Defamation of Character.
03/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44067	Web
MBA LAW is listed on my credit report for owing a debt originally owed to XXXX XXXX in the amount of {$1400.00}. There is also a similar account on my credit report by MBA LAW for owing a debt originally owed to XXXX XXXX in the amount of {$610.00}. This is for supposed medical bills that were billed during a time period when I was covered by health insurance. I was unaware of this issue until this account showed up on my credit report and negatively impacted my credit history and credit score. I attempted to contact the original creditor who refuse to provide any information pertaining to this " debt '' and was told to contact MBA LAW. I contacted MBA LAW over 35 days ago and requested all information pertaining to this matter in writing, the collected my mailing information and I still have not received the documentation I requested. I understand the company has a certain amount of time to respond and was told that my paperwork would be sent via mail within the next few days. I still have received nothing over a month later. This account needs to be removed from my credit report!!
12/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 334XX	Web	Older American
This is a medical debt, nearly 5 years old, by a local XXXX XXXX, for interpretation of an XXXX. Their charge in 2015 was {$390.00}, but because the XXXX XXXX had a contract with my health insurance carrier, that charge was reduced to {$220.00} which was my responsibility. The XXXX XXXX XXXX A/R was purchased by XXXX who turned this over to MBA Law Collections Agency. I was unaware this debt was outstanding until my credit report monitoring service notified me of a negative posting by MBA Law and only subsequently did I receive a demand letter from them for {$390.00}. My complaint is with MBA Law : 1 ) MBA Law posted their collections action to XXXX & XXXX consumer credit reporting agencies before notifying me of their claim and giving me an opportunity to rectify it. 2 ) MBA Law wants payment of {$390.00} but they are only entitled to payment for the original debt owed by the account Guarantor, which is {$220.00} due to the XXXX XXXX XXXX contract with my carrier in 2015, XXXX. 3 ) Despite an offer in writing to MBA Law to cover the full {$220.00}, I have not heard from them.
07/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32837	Web
I had no idea about this debt and lately I received a letter from this law firm. I checked on XXXX about this law firm and all I see is bad information. I contacted them for the first time and the lady who answered the phone was rude, she wanted me to pay over the phone and due to the bad information about them, I decided to pay part of the debt online. After I paid, about 15 days later, I checked my credit report and it was showing that I owe the same amount, they didn't deduct what I paid ( one third of the debt ). I filed a dispute at XXXX and one month later I got the results, the reported that I owe the same amount, not deducting what I paid. I contacted them today and the guy " XXXX '' was rude, said that I don't know what a dispute is, also said he is not going to send any information to XXXX. I tried to find an email address to this collection company and there is no contact information. I tried to prove to XXXX that I paid part of the debt, they said there is nothing they can do. Is this what a Citizen has to go through? Where is the Law???? Where is the Justice?
06/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 335XX	Web
Patient : XXXX XXXX MBA Account : XXXX I spoke with the Collection Office of Mitchell D Bluhm & Associates on XX/XX/2022 in response to a dunning letter from the firm dated XXXX XXXX. I requested the firm provide validation of the account by furnishing documents with my signature, my agreement to pay, and all other pertinent information to verify the accuracy of the claim as is required FDCPA and FCRA. A supervisor who gave her name as XXXX refused to provide the information in writing per my request. I advised XXXX that reporting inaccurate and derogatory information to any of the three credit major bureaus without providing validation of the account is a violation of the Act. In reviewing my credit report today, I saw that Mitchell Blum had reported the account to the credit bureaus. In speaking with XXXX in this regard today ( XXXX ) she refused to provide any verification or validation of the account which is again a violation of the FCRA and FDCPA. Reporting inaccurate or unverifiable information to the bureaus is a violation.
06/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89102	Web	Older American
I checked my credit for employment reason and the collection agency came in the report. Its a medical bill that the insurance company told me that the reason they have not paid it was because the Dr. billed it as me being in his office and that was not covered unless I was in the hospital. I never went to his office and I don't even know who he is but I was treated at XXXX Hospital. I explained all this to the collection agency and asked them to send me the corrected billing showing he treated me in the hospital and all they sent me was a statement showing I owed the money to the doctor. They are not willing to correct the problems and i need to take care of this. Please help me as this could affect my job. The collection agency is MBA Law XXXX XXXX XXXX and the creditor shown on their letter is XXXX XXXX XXXX. I am almost XXXX years old and not on such a great physical and financial shape and I want to make this right but my insurance is willing to pay for htis old bill as long as they send a corrceted billing. Thank you, XXXX XXXX
02/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92102	Web
On XX/XX/XXXX I was contacted by The Law Offices of Mitchell D Bluhm & Associates, LLC about an alleged debt in the amount of {$2100.00} to a creditor named XXXX XXXX XXXX. For emergency services supposedly received on XX/XX/XXXX at XXXX XXXX XXXX XXXX. They said that the debt was originally with XXXX XXXX XXXX XXXX but they sold it to XXXX XXXX XXXX. I let them know in writing that I HAVE NEVER BEEN at XXXX XXXX XXXX XXXX EVER or requested any services from that medical center. They claim that I received emergency services on XX/XX/XXXX and it is completely FALSE. I requested proof that this bill/account belonged to me and in return they sent me a confusing, innacurate statement of account with an address where I never lived XXXX XXXX XXXX ... and a medical account number that was not verifiable ( XXXX I tried to log in into the website they provided ( XXXX ) to see the details of this bill and it doesn't match any records. The medical account they have in the statement doesn't match with my date of birth. It is fraudulent and fake.
07/18/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 18015	Web
Since XX/XX/XXXX, I had only received 2 letters in the mail at my address of XXXX XXXX XXXX. I had received a letter in the mail at my XXXX XXXX XXXX home a year ago in regards to applying for assistance in making the payment but did not send in the paperwork because I would not have been approved due to annual income. I feel that I was not given a reasonable amount of time or chances for someone to contact me in regards to payments and out of nowhere began receiving letters in XX/XX/XXXX that my account was now in collections. When contacting XXXX XXXX XXXX, they stated I did not return the paperwork for assistance and so they sent it to collections. I feel this is wrong and they should have contacted me even just asking how the paperwork was going or if I had any questions. Then could have told me to start setting up payments to avoid having the account go into collections. There was no heads up given nor any attempt from XXXX XXXX XXXX in getting my account paid for through them instead of dealing with a collection agency.
03/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35160	Web	Servicemember
MBA law {$1500.00} Original debt was owed to citizens hospital in 2021. XXXX hospital new employee was not trained to enter issuance correctly. Never received the first bill. More than 1 year later, I was turned over to a debt collector. I tried to straighten out bill. Due to I only owed 10 % of {$1500.00}, I have reached my medical deductible that year. The first collection stated that they would go Back to XXXX and have it straightened out. The debt collector stated it was fixed. 2 years later, the debt is sold to another collector. I stated the issue and proceed to straight it out again. I ask for an explanation of benefits and found out it was still not filed with my issuance. I have offered multiple time to owe my portion ( {$150.00} ), many times and they refuse to file a claim with accordance of being a XXXX provider. I do not owe this debt and want it removed from my credit report. I have documentation, names and contacts within XXXX that will confirm my called and my attempts to straighten it this bill.
02/19/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 341XX	Web	Servicemember
Received a bill from Mitchell D. Bluhm & Associates LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX saying that I have a balance {$980.00} from XXXX XXXX XXXX to pay {$580.00} ( 40 % ) and I need it to call them before XX/XX/2020 be in legal compliance. This balance is already showing on my Credit report. I call the company at XXXX on XX/XX/2020. I told the rep that I was willing to pay {$100.00} just to get it off my credit. The rep mistreated me. Told me that had to pay the full amount. I requested then documents to show me that it was actually my debt. The rep then hang up the call. I call again and then I was transfer to a Supervisor and she was more aggressive and demanded that I pay and they will keep it on my credit. If I did a payment plan they will keep it on my credit until I pay the full amount. Still refuse to give me any proof that the debt is mine. I told the rep that date on the bill is around when Hurricane Irma hit Florida. I was displaced for 20 days from my home. Again hang up on me.
05/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	LA 700XX	Web
This company PARKED a medical collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA XXXX ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA XXXX ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. If they sent anything out, I did not receive it or I would have sent a DV letter! Upon reading my credit reports a collection for this alleged debt has already been listed by another collector on the credit reports and the collection was removed in XXXX 2016. I request that they verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed number to collect in the state of Louisiana!
07/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NM 87111	Web	Older American
I had a XXXX XXXX in 2019 and my insurance company paid for all of my medical expenses under my XXXX XXXX policy. More than one year later I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX stating that I owed them {$1400.00} without any kind of documentation as to what the services provided were, where they were provided, when they were provided, or who provided them. Researching the company on the internet, I found multiple complaints about them and decided that this was a scam and that responding to them was not a wise thing to do. Subsequently XXXX XXXX, sold the alleged debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX who have now engaged the law offices of : Mitchel D. Bluhm and Associates LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX who offered to settle the debt for {$870.00} if I paid within 30 days of receiving their letter. I have not responded to them as I have no indication at all that this is a valid debt claim.
10/31/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32714	Web
*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. XX/XX/XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XX/XX/XXXX. Those items are : - XX/XX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : Law Offices of Mitchell - {$980.00} These debts were all incurred XX/XX/XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
04/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32811	Web	Servicemember
Received an alert for a drop in credit score of XXXX points, in addition to a new " collection '' from XXXX XXXX XXXXMitchell D. Bluhm & Associates in the amount of {$460.00}, from Emergency Physicians of Central Florida XXXX I have NEVER done business with this company, never received ANY documentation from either company. Pursuant to 15 U.S. Code 1681c-2, this is identity theft and MUST be removed and blocked from my consumer report within 4 days. I have filed an FTC report, as required by the CRA 's. Correction removed, indefinitely and not to be resold or transferred or added back to my consumer reports.to ALL credit reporting agencies that company is reporting to Letter on letterhead that states the items have been Relief, monetary compensation for damages this is the ONLY collections/negative account that I have reporting. I have been denied credit due to this ERRONEOUS and Fraudulently reported information. Filed complaint with XXXX : XXXX
07/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web	Older American
Collection Company : Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The company alleges that I owe {$510.00} in payment for anesthesia services. So far as i can determine, the insurance company was responsible for payment of this alleged debt. I do not owe them any money. But there is an unfavorable listing on my XXXX XXXX credit report as a result. Attempts to deal with the creditor have proven impossible, since they list a balance of XXXX and say the debt was sold. Attempts to deal with the collection agency are not possible. In the most recent case, my husband, with my approval, demanded proof of debt. He was hung up on twice. According to the XXXX, the collection company has victimized numerous people with falsified listings of alleged debts owed on credit bureau reports. There is no way this can be resolved with them directly. XXXX XXXX
07/20/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33610	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 Account # 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.
08/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CT 06514	Web
A company unknown to me placed a medical collection on my credit report. I am not a resident in the state of the medical center. I have not traveled to the state where the medical center is located. I am employed in my state of residence and carry medical insurance through my employer. I do not have family in the state where this medical center is located. I do not suspect fraud, rather I suspect this is an administrative error where my SS # is being reported to in error. I contacted the agency on my credit bureau report. Unfortunately, they were not able to assist me as they do NOT have an account in their office with my name. I was told due to privacy laws they could not disclose information about any debt. I offered my social security number to which they advised my name is not in their system and they could not speak to me. This debt does not belong to me. Please perform a thorough investigation to determine the same.
08/04/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55337	Web
on XX/XX/XXXX I received a phone call asking for someone. I said No, I was not that person and was in the middle of asking " Who am I speaking to? '' hung up on. I immediately called back and found out it was for my wife from XXXX but it was something that was already resolved. So I disputed it with the rep there. Fast forward to today, XX/XX/XXXX, and the same thing happened. I got a call, they hung up. I called back but this time, the rep that answered the phone was trying to belittle me and was being very rude to me like I was the one doing something wrong. First, I already disputed it with them and they are already calling me back not even 2 weeks later. Second, how the rep treated me was not right either. She was told me that I was arguing with her instead of giving her the info that she was asking for. I asked for a supervisor and was transferred. I have attached screen shots of my call log proving this.
06/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web
Law off of Mitchell D Bluhm XXXX XXXX XXXX XXXX, XXXX TX XXXX called and stated I owed a medical debt and tried to obtain my personal information. They stated it was for a stay at XXXX XXXX Hospital, though I never had a stay at XXXX XXXX Hospital. I asked that they Validate the Debt and send something in the mail regarding the debt. They did not do that. I sent a certified letter requesting the debt validation, which I have not received at this time. However, They posted a negative debt collection on my credit report. Several attempt to call the company and I have gotten only a voice mail and not return calls. They claimed the debt is from 4 years ago. I have never once gotten a call about this debt until I got the call from this XXXX Law office. When I looked them up on the maps they are in a a warehouse. Upon calling the police department there they said there are no law office there. Just transportation.
08/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78704	Web
Was contacted by Law Offices of Mitchell Bluhm on or around XX/XX/2023 about a debt that I supposedly owed XXXX Physician 's group. I asked they send me a letter to verify this debt was mine. They said I would receive it within a month, I did not receive any documents from them. Offered to pay debt in full if they could tell me the physicians name, they refused and claimed they did not have the information. Contacted again, XX/XX/2023 ( today ), I told them that I called XXXX and they said I did not have any debts to their organization and I would not speak with them and they would have to contact my lawyer. There is a chance it it just taking them a longer time to verify, but they are not being cooperative and at this point it seems highly likely like a refusal to verify the debt in a timely manner. Collection Agent : Law Offices of Mitchell D Bluhm & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85268	Web
A random account that went by ( LAW OFFICES MBA ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( XXXX XXXX ) and when I looked into it, i noticed that it was for the same amount that the ( LAW OFFICES MBA ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.
12/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33619	Web
I have been having over-and-over a report placed on my credit report as a collection for {$1300.00}. I contact the credit bureaus and they re directly to contact them. Which I do so and I contact XXXX XXXX XXXX and request the actual application signed by me at the time I supposedly enter the emergency room or some type of documentation with my signature on it and they failed to provide it, instead, they sent one 's again the bill only without any information that proves that I did in fact obtain XXXX XXXX. I contact them several times and no resolution, instead, they were hostile toward me and told me I will be sued. I demand them to provide the information and they fail. This is hurting me and causing me a great deal of stress unnecessary. Someone needs to take action against this type of collector trying to collect money from people fraudulently, threateningly, and with hostile verbal abuse.
06/24/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 328XX	Web
Received a letter from XXXX XXXX stating I owed a debt that I dont owe. They are using strategically misrepresentations of the facts to imply they are a law firm not a debt collection agency. I told them I was the victim of identity thief. I stated the debt was not valid and requested they produce competent evidence that bares my signature to prove I owe them a debt. Future more until they are able to produce valid documentation they do not take any future actions. The phone representative told me she could send me an invoice. I requested a signed agreement with my signature. She told me they had no legal obligation to provide such a document. Since the voice recording at XXXX states its a law office and the phone representative reaffirmed it, I told her to transfer the call or have the lawyer in the office call me. She told me no lawyer is going to call or is in the office.
06/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77571	Web
BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.
08/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39212	Web
I have been battling against this company for months now. They are stating that I owe two different debts in the amount of {$900.00} and {$430.00}. I called them at their phone number of which no one could give me valid information. I was simply told that it is my debt and I must pay them should I decide not to pay them they will continue to contact me via telephone and harass me until I pay them in full. Again I have never done business with this company, I have never signed to release any type of information to this company, and lastly they refuse to send me any proof stating I actually owe them or showing me any type of signatures or identification I used to allow this agency to collect my information. These collections in the amount of {$900.00} and {$430.00} both appears on my credit report X/XX/2017 and I have been contacting them ever since only to get nowhere.
02/04/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34952	Web	Older American
The Law offices of Mitchell , XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX , filed a collection account with XXXX XXXX on XX/XX/2017 . This has just come to my attention this morning . They claim that there client is XXXX XXXX XXXX . I do not owe any money to these entities ! I do not have an account with XXXX XXXX XXXX , I never signed any credit application nor did I guarantee payment of any nature to XXXX XXXX XXXX . I did not submit my social security number to XXXX XXXX XXXX or this alleged law firm . I have not seen any paperwork supporting any claims , I have had no explanations , I have received no phone calls , just a bold faced lie publish on my credit report . I am outraged that someone in this day and age can file a false claim , invade a consumers private credit report and publish false claims resulting in public embarrassment and tarnish ones reputation .
06/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL XXXXX	Web
Law Office of Mitchell D. Bluhm & Associates reported a derogatory account in my credit report from XXXX XXXX HOSPITAL for the amount of {$730.00} without any forewarning notification. Last time I went to XXXX XXXX hospital was 12 years ago and I paid all services provided through my insurance and co pays. This is a fraudulent attempt to collect a false balance as a derogatory debt. You must be desperate for money if you are attempting to collect on 12 year old accounts. No other data was given in my credit report except for a balance and Original Provider name. How illegitimate can you possibly be? Law Office of Mitchell D. Bluhm & Associates has a long history of fraudulent activity reported in the Better Business Bureau with hundreds of victims. Here is the information to Mitchell D. Bluhm & Associates : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
02/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33015	Web
I was charged with a debt that was covered by XXXX XXXX XXXX, XXXX I sent all the information to the Collection Agency and made the claim here in the CFPB, I received all your help and the debt was removed from my credit report, after some months they apparently sold the debt to a Law Firm and now they are reporting the debt again, I sent to the law firm all the info so they can make the research and be paid by XXXX XXXX, they didn't answer to me, they didn't call, or send a letter and they put the account in collection again.I had a good credit score, I take care of my credit because I have financial goals to improve my family life and this people just put an account on collection without making the research and do their work properly affecting my family, without any respect, of course they don't care about the consequences for me and my family since is not theirs
06/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
On XX/XX/XXXX I received notification from my credit monitoring that a new account was added to my profile from Mitchell D. Bluhm & Associates , LLC ( XXXX ) XXXX for unpaid medical bill for {$61.00}. I contact the number listed above to get clarification which I found out is due an auto accident I had the previous year. I informed the rep, this should have not been reported to the collection agency for two reason 1 ) I never received any documentation from them because they had an incorrect address and 2 ) I have a personal injury attorney that is handling this matter and has instructed all parties including the hospital and medical providers treating me of the pending case. I provided the rep my attorney information and ask this be removed. He stated it will but a few days later while applying for a mortgage this negative items is still on my credit report.
05/03/2022	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 Their investigation did not fix an error on your report	NH 03051	Web
XXXX XXXX is reporting a COLLECTIONS debt for unpaid medical expenses. One of these was removed, but two remain in the amounts of : 1. {$180.00} ( Date Updated, Payment Received ) I did NOT make a payment on this account. I have no knowledge of this account. 2. {$200.00} ( Verified as Accurate ) I have no knowledge of this account. I disputed these debts for the following reasons : 1. I had no knowledge of the debt. 2. The company, MBA Law, never attempted to collect the debt from me. 3. The debt does not match anything under my medical bills in the amount or date. 4. I have paid my medical debt or I am paying I'm accordance to a plan. 5. This has been added as a collections account to my credit report without the 180 days delay in reporting in accordance to the 2016 Credit Reporting Act. 6. MBA Law has not provided proof of this debt belonging to me.
04/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
Law firm Mitchell D. Bluhm & assoc ( MBA ) : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Received collection letters from MBA for {$210.00} for services date XXXX by a XXXX XXXX XXXX. we have contacted the collector ( MBA ) several times asking for verification of bill. they claim they don't have any. we have reached out to XXXX XXXX XXXX and they inform that we have nothing owed to them. have checked into the XXXX XXXX XXXX on this law firm/collection agency has over 600 similar complaints against them. they have reported us to our credit reporting agencies and have tarnished or perfect record. we are a retired couple and find that their practice is amoral and un ethical. we respectfully request your help. If we do owe monies we request again that they provide verification and we will pay. our credit report should be informed that it was improperly tarnished.
08/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 46143	Web
I paid an old ambulance bill to a collection attorney office Mitchell D blume back in XX/XX/XXXX. Now they are contacting me about said ambulance bill again and they have listed it on my credit with a date opened of XX/XX/XXXX. Last time we used an ambulance service was in XX/XX/XXXX. I paid that with them settling this in XXXX the first time they contacted me. That ambulance bill was for me personally. Now saying they have one for my daughter XXXX who was covered under package A XXXX in XX/XX/XXXX. I provided all her ins information at the time of service. And its against the law to bill any XXXX recipient for any medical bills. So why am I being billed again? And why is it now on my credit XXXX yrs later and just bow hearing about this with an open date of XX/XX/XXXX? We have not used an ambulance for any reason this year or for XXXX yrs now in fact!
05/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 337XX	Web
This complaint is against the co mpany " MBA Law Offices / XXXX ''. Currently, they are reporting that I owe them a total of {$1300.00} on my credit. I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : " XXXX ". My report indicates that the account has an " open date '' of XXXX 2016 .
01/29/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32824	Web
I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. the Collections Companies are : 1 ) XXXX ; and 2 ) LAW OFFICES OF MITCHELL D BLUHM I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. I need this items to be removed from my credit report and also need evidence of what is this collections for.
02/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48223	Web
The debt was paid directly to the hospital around the time the collection agency reported it. I have contacted them several times and sent several faxes with the receipt showing it was paid online. They then sent me over to another company who has refused to return my phone calls. One of their agents hung up on me and told me the other company is not handling the case that they are. Whenever I call either company they say it is up for review review means that they 're checking to see if the documentation was received. The documentation was facts almost two months ago and I have confirmations from the sent fax. Whenever I contact them they give me several phone numbers but no one has contacted me back. I 've also fax to several different numbers that they gave me for their company and also the other company that it 's supposedly handling the account.
05/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35007	Web
I noticed a debt listed as a hospital bill for {$360.00} on my credit report. I contacted the company listed as owning the debt, to dispute it, as I knew the debt did not belong to me. The company listed as debt owner was Mitchell D. Bluhm & Associates - XXXX XXXX . The date of the account being opened was XXXX / XXXX / 2016. I kno w for a fact, that I did not receive the services being billed. Mitchell D. Bluhm informed me that if I made a full payment, the debt would be cl osed and deleted from my report. Due to me not owing the debt to begin with I refused to make a payment. Mitchell D. Bluhm & Associates is violating the Fair Credit Reporting Act, by continuing to report a debt on my report, after being informed that the alleged debt is in dispute, I feel that the company is attempting to extort, money from me that I do not owe.
04/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33897	Web
This company LAW OFFICES MBA A.K.A Mitchell D. Bluhm and Associates, fraudulently has been trying to collect funds from me. They put me in collections with the credit bureaus. I have never done business with or have ever had any relationship with this company. Quick XXXX search of their company and I can see multiple people have been scammed by this company and are going through the same situation. There illegal activity must be stop once and for all. I have an FTC report filed that you will find attached to this complaint. My account number and amount that is fraudulently being reported owed is listed below as well as in the attached documents. FTC Report Number : XXXX Agency name : LAW OFFICES MBA / Mitchell D. Bluhm and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1200.00}
07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43605	Web
XXXX XXXX XXXX XXXX MBA XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MT 590XX	Web
On XXXX, I paid {$740.00} to XXXX XXXX XXXX to settle a debt that XXXX XXXX XXXX had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from MBA Law ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to XXXX XXXX XXXX a year ago. I contacted MBA Law informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that MBA Law has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.
12/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
On XX/XX/2020 the main creditor was XXXX XXXX XXXX XXXX XXXX, La. for services that day. I had currently had XXXX at that time which before leaving I provided that information to bill them. XXXX and XXXX have my current mailing address and I never received any bill from them. I decided to check credit report and I noticed that I had 2 negative accounts with LAW OFFICES MBA ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX. I made several attempts to reach out to them regarding matter. They will not answer/respond back when i left my info. I disputed with experian which I am assuming they were able to get in touch with them. They deleted one account but not the other. They stated I still owed them which is inaccurate information. Listed below is the info for the debt : date of service : XX/XX/2020 amount : {$610.00}
03/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85251	Web
The law offices of Mitchell D Bluhm & associates, LLC sent a letter that I owe a medical debt of {$210.00}. I disputed the debt and asked for a validation of the debt for reference account. I then received another letter stating that they received my dispute with the enclosed " verification '' from the current creditor. Their verification included : Statement of account from a service date of XX/XX/XXXX A bill for the amount of {$210.00} dated from XX/XX/XXXX The law offices of Mitchell D Bluhm & associates, LLC failed to provide any documents that say I signed for this debt and proof that they are able to collect in the State of Arizona where I reside. I consider this harassment. I need to see proof were i signed for the debt since i do not recall this debt whats so ever. i feel they are violating my consumer rights
12/18/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NE 68116	Web	Servicemember
I was sent a letter from a law firm, XXXX XXXX XXXX about an alleged account for {$440.00} that they acquired from another collection agency on XX/XX/XXXX. They offered a 5 % discount for paying them on or before XX/XX/2021. I noted many violations of the XXXX in this initial letter. I sent a letter in response and asked for validation as well as a cease and desist demand if unable to, on XX/XX/XXXX. The XXXX XXXX sent me a response to my letter, that is dated in the letterhead as XX/XX/2021, and again implied that the letter was from XXXX They also violated my privacy by sending me a statement that displays my alleged XXXX XXXX I have just sent off a XXXX letter, XX/XX/XXXX, pointing out there violations. I feel defamed, embarrassed, threatened and violated by these letters and their disregard for my consumer rights.
07/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
MBA LAW aka XXXX XXXX reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by from another junk debt collector whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, MBA LAW aka XXXX XXXX did not send me a written notice in regards to the alleged debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.
09/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32828	Web
I am writing this letter to bring to your attention a matter of grave concern regarding your recent communications with me in relation to an alleged debt. It has come to my attention that your company may have violated several laws outlined in the Consumer Financial Protection Bureau 's ( CFPB ) guidelines, specifically under CFPB 1006.34 regarding the Notice for Validation of Debts. This violation pertains to the failure to provide essential information about consumer protections and consumer-response information, particularly the omission of required dispute prompts. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
08/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33196	Web
i wrote to the collection agency, Mitchell D.Bluhm & Associates LLC, because of an account that they are currently collecting on. however, i felt forced to enter a payment plan because this was comming from an " attorney 's office ''. But as per FCRA guidelines, I have the right to question the validity of any account that is being reported or being collected on behalf of another lender/provider. I honestly do not recall having an open account or even owing any money on behalf of their client. i wrote Mitchell D.Bluhm & Associates LLC, and asked for supporting documentation that shows that i have a binding agreement with their client, that shows my signature, stating that I agreed to services rendered and agreement for payments. i believe that this is a violation from FCRA and should be investigated further.
02/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web	Older American
On XX/XX/XXXX and again on XX/XX/XXXX, The Law Offices of Mitchell ran my credit, they also reported falsely that I owed money to a XXXX XXXX XXXX or another 3rd party. This is a violation of the Fair Credit Reporting Act, they do not have factual information. There is nothing backing up their allegations besides unsubstantiated claims. I never applied for credit, I never guaranteed payment, I never signed anything and I never gave out my social security number, it must have been obtained from another source. This company " XXXX " has blatantly violated the FCRA requirements for reporting in an attempt to " Extort " money and tarnish my name. It is my understanding that in order to publish false claims in attempt to ruin someone's credit they must factual information, they do not. Please look into this
01/28/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 359XX	Web
A collection law firm ( MITCHELL B. BLUHM & ASSOCIATES LLC representing XXXX XXXX XXXX XXXX ) mailed a collections letter to my MOTHERS address ( I haven't lived there in 20+ yrs ) on XXXX for {$1900.00} for a medical bill datedXX/XX/XXXX. I have never received a bill for this and have a top tier insurance policy. I spoke with them and did give them my personal info to assist the representative in my case. My insurance company XXXX said that the claim was NEVER sent to them and even tried to speak with the collector. They would not process the claim because they said it had timed out and would only take collection payments. THIS IS A SCAM, Please help!! They have made threats to hurt my credit score. Please Help!! There have been many complaints and law suits against this company.
07/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA XXXXX	Web
XXXX XXXX of Louisiana sent me to collections with XXXX XXXX XXXX and Mitchell D. Bluhm & Associates , LLC Attorneys at Law for a XXXX service from XX/XX/XXXX. 1. I did not know I owed a debt to XXXX. I have not received any previous bills. 2. There are no details about the debt or the service I received for me to verify the debt on the bill that I received from the law offices. 3. This is the first notification I received from the collections lawyers and on the letter they threatened to report to credit agencies and they did so dropping my already suffering score 42 points. 4. A representative from the office called and when I attempted to ask questions, that person hung up the phone while I was talking. 5. On XX/XX/XXXX, I was temporarily laid off from my job.
02/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 328XX	Web
On XXXX I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC requesting {$1900.00} from an ER visit from XXXX. In 2020, I was making monthly payments to another credit agency for this exact debt ( XXXX XXXX XXXX XXXX XXXX ). I reached out to XXXX XXXX via written letter requesting proof of debt and a halt on credit reporting until I am able to verify the debt on XXXX. I also contacted XXXX XXXX for proof of payments made. I never received this requested proof of debt from XXXX XXXX XXXX and today, XXXX, it was reported to XXXX as in collections and my credit score dropped XXXX points. I know that this is a violation of the Fair Credit Reporting Act, and feel that this was done spitefully because I requested to verify the information/debt.
08/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	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 the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 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.
08/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	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 the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
05/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 770XX	Web
The creditor XXXX XXXX XXXX has placed a collection in my XXXX on XX/XX/XXXX using a company called Law Offices Of Mitchell and it seems they have received this request to collect from me on XX/XX/XXXX. I have never heard from this collector and I don't agree with this charge, since my ex-husband has told me this bill was paid with many other bills when I had an XXXX treatment about 3 years ago. I have been separated since XX/XX/XXXX and I left the house since them. I have been divorced since XX/XX/XXXX and during the divorce my ex has told all the bills I had to pay including having to fill and pay my taxes from XX/XX/XXXX and XX/XX/XXXX, and he has never mentioned this bill. He also never gave me any letters from any of those companies mentioned above.
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98056	Web
In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights. 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX MBA Law {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.
03/08/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70471	Web
I dont understand why this company keeps doing this, they are relentless! Multiple times throughout XXXX I have been able to get these alleged debt accounts removed off my credit but this company keeps coming after me and now its continuing into XXXX. Im tired of this, these debt accounts were previously removed from my credit and credit report with all 3 credit bureaus several times! I want this to be the last time and for good! This is not right that these companies are doing this to us. Like most people in the United States, I was affected by Natural Disaster COVID-19 : JXXXX XXXX. Going through Divorce : XXXX XXXX. My Ex-Husband is Responsible for this Account and again these accounts were previously REMOVED from my Credit several times.
08/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31406	Web	Servicemember
Law Offices of MBA has put a collection on my credit report from XXXX XXXX XXXX XXXX in XXXX of XXXX. I went to the emergency room in XXXX and my bill was paid in full with my insurance. I never received a single bill after I paid. I am in the XXXX and have good insurance ( XXXX ). There is no reason I should have a {$2300.00} collection when the hospital was in network, had my insurance, and I already paid the bill. I never even got anything in the mail regarding this collection, it just popped up on my credit report. I am unable to get anyone on the phone from either of these companies. If you look at XXXX reviews law office of mba, it is littered with people with the same complaints as myself. They are doing this to a lot of people.
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 43232	Web	Servicemember
on XXXX XXXX, I received a notification that a negative item was reported on my credit report. The collection company placed an {$84.00} debit for collection representing XXXX XXXX. This debit was discharged in a Chapter XXXX BK in XX/XX/2020. I contacted this company and they told me that they would not remove it as it is a new debit even as they purchased it from the original creditor that was discharged. I have provided the documentation showing the discharge and the original creditor. They said they would review. Contacted them on XX/XX/XXXX to get the status and was told that they are not sure what happened and are not sure if they can remove it. Even as the BK Attny and Trustee sent over documentation proving the debt is not valid.
10/24/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30045	Web	Servicemember
I am writing to dispute the presence of a collections account on my credit report. This is the second occurrence of such an error, and I seek your prompt assistance in rectifying this matter. The account in question pertains to LAW OFFICES MBA, and it was initially marked as delinquent due to a billing discrepancy. However, I would like to emphasize that the outstanding amount associated with this account was settled in full on XX/XX/2022 by the original creditor, XXXX XXXX XXXX XXXX XXXX. It was a self-pay visit in which I was given a discount by the hospital so the amount was no longer {$690.00} but {$380.00}. Subsequently, the collections status was resolved, and the account should have been updated accordingly.
06/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web	Servicemember
I started receiving automated text and calls, then I received a letter dated XX/XX/XXXX, that state they are attempting to collect a debt that I owed to XXXX XXXX that has been sold to XXXX XXXX XXXX for {$2200.00} as of XX/XX/XXXX. I contacted XXXX who stated they have no accounts for me, only a XXXX balance from XXXX. XXXX stated they only use XXXX XXXX XXXX XXXX for collections and the letter I received XXXX be a scam. The acct numbers they reference is XXXX acct XXXX and original credit ref # XXXX with date of service XX/XX/XXXX. I have never received any correspondence from XXXX regarding any medical debt, my calendar doesn't show any services received that date and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
09/16/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24018	Web
I received a surprise medical bill from a collection agency on behalf of a health care provider group in XX/XX/XXXX for an XXXX visit for my son in XXXX, XXXX. We had full medical coverage at the time and the hospital we went to was in network however the group providing care that day in the XXXX was out of network. We were not informed of that at the time. Our health care provider paid the group the plan allowance amount. However years later we get this surprise bill in excess if {$1000.00}. The collection agency/law firm has also put this on my credit report now. I am disputing this charge which is excessive for the service they provided in the XXXX in XXXX. I will also inform the credit agency about it.
04/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92887	Web	Servicemember
I visited the ER in XXXX XXXX after being assaulted in XXXX. I am a XXXX veteran so my visit is paid by the Department of Veterans Affairs. It is currently XX/XX/XXXX and my credit report just changed due to " XXXX offices MBA '' reporting a debt. I called them and explained that this debt is not possible due to the aforementioned situation. They told me to " have the VA call them '' for proof and that they verified the debt with XXXX XXXX. XXXX XXXX does not seem to have a phone number. I'm sure this is a billing error in XXXX but I have spent approximately 20 hours trying to fix this companies error. They were supposed to bill the VA. I can not do that for them. I do not have more time to work on this.
09/05/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32771	Web
On XX/XX/2019 XXXX XXXX XXXX filed 4 collection notices with XXXX on my credit report for amounts as follows : {$610.00}, {$830.00}, {$770.00}, and {$59.00}. This apparent law firm is apparently in XXXX, Texas per a XXXX search, Most likely Mitchell D. Bluhm & Associates , LLC. No account information or contact information is provided in the XXXX report, and XXXX has no accounts in collections on my records. I have no way of knowing or contacting this firm with regard to these amounts, nor do I have any collections accounts in these amounts anywhere. This looks like fraudulent reporting and there seem to be numerous complaints about this firm online. I live in XXXX and have no ties or accounts in Texas.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78537	Web
I received a phone call from MBA law out of Texas advising I had an outstanding balance of {$1700.00} for an emergency room visit. I advised the representative of MBA law, that I had paid down the balance to a company out of Georgia and in fact did not owe {$1700.00}. I informed the representative that I would be submitting my documentation proving I had paid the balance down. I then found that MBA law had report to the credit bureaus I was in collections for the balance of {$1700.00}, which in its self is inaccurate and false. I have yet to hear back from MBA law or any of it's representatives. I have requested they remove the inaccurate report placed on my credit report but have not seen any action.
03/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71201	Web
Today, XX/XX/21, I start receiving calls from this collection company to call them about debt they have purchased. I didn't return the call due to not having any bills in collections. When I got home and checked my mail, I received a letter from XXXX XXXX XXXX Mitchell D. Bluhm & Associates , LLC XXXX claiming that I have a medical bill in collections from XXXX XXXX. This is incorrect. First, all bills from this hospital have been paid over two years ago and second, I now work for this hospital and was never informed of any past due debts. I want this company charged with harassment and trying to scam me out of {$2200.00}. If possible, I want this amount as compensation to me for this notification.
12/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48185	Web	Servicemember
I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX
05/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 460XX	Web
Hello, I recently checked my credit report and found that I had 4 outstanding balances with debt collectors. I have many problems with these debts. Firstly they are medical debts that were billed and paid by my state medical insurance. Secondly, these companies have never spoken to me prior to reporting these debts to the credit agencies and I know this because I was incarcerated. It is my understanding this is a violation of FDPCA regulations. Can you please help me resolve these issues. The following are the debts and agencies involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33755	Web
I received a credit report alert that a collection for two medical accounts totalling XXXX ref XXXXfrom 2015, had been added by XXXX XXXX XXXX, they reported two accounts to all the credit bureaus, WITHOUT providing me information prior or allowing the REQUIRED 30 day VALIDATION period. They have violated my rights and before the FDCPA laws.. These debts are identity theft related. I have had all previous medical debt from 2015 removed from my credit and proven to be a victim of identity theft. I use a XXXX pretention server due to all the identity issues I've had and the Bureaus and XXXX XXXX XXXX have sheets on my social and name. This is supposed to be a law group violating the credit laws.
05/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33594	Web
A collection account from MBA Law showing a balance of XXXX $ owed showed up on my credit. I was never notified I owed the debt and never received notification I could dispute or make payments to the hospital. I had insurance at the time and it was an emergency visit. I thought it was covered. I called MBA law at XXXX XXXX on XX/XX/2023 to inquire about the account. They didnt even have my correct name. When I asked why I wasnt notified or sent a letter to let me know I owed this debt prior to it showing up on my credit report she hung up on me. I dont have much money and I am struggling financially. This isnt the legal way for them to collect a debt that I am not aware of or sure I owe.
05/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 902XX	Web
A Collection in the amount of {$190.00} showed up on my credit a few years ago. I was never given any verification of the debt or notified by the debt collector that I had a right to dispute. I paid the collection in full and was told that the item would be removed from my credit report. I'm not even sure if the debt was mine, but could not surely deny it wasn't so I thought it best to pay them and make an agreement to have it removed from my report. This has been over a year and this is still showing on my credit report. They updated the negative remarks to include that the collection was paid in full, but they refuse to remove it from my report like they agreed to do when I paid them.
09/13/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85201	Web
On or about XX/XX/2023, I noticed that The Law Offices of Mitchell D. Bluhm & Associates XXXX, placed fraudulent information upon my credit report without my consent, prior knowledge and understanding. The Law Offices of Mitchell D. Bluhm & Associates XXXX Is a XXXX, Texas company which purports to claim that they are creditors to an alleged debt of : {$2800.00} USD without providing a contract between them and myself. I XXXX XXXX XXXX, hereby assert, aver and declare that I do not owe the amount {$2800.00} to The Law Offices of Mitchell D. Bluhm & Associates XXXX and that this company is in violation of my rights under USC Title 15. There is no contract between the parties.
10/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32526	Web	Servicemember
On XX/XX/2022, The Law offices of Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX mailed a debt collection notice, acting on behalf of a debt collector/ attorney, to my residence without my permission. Not only did they mail a debt collection letter to my residence without MY permission, they also claim that I owe them a debt of XXXX. I have never done business with this company, nor was I, the consumer, aware of a 3rd party purchasing information in my name and not compensating me or providing me receipts of that transaction. I do not nor have I ever initiated any consumer credit transaction with this company to owe them a dime. I have no contract with the collector.
09/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 436XX	Web
A new collection appeared on my credit report for {$110.00} listed as Law Offices MBA. This collection is from a hospital bill, that was already sent to collections and already listed in my credit report under a different name and for a different amount. The other amount it's listed as is {$770.00} instead of {$110.00}. Theyre sending the same medical bill to collections as multiple bills under multiple names and multiple amounts. The collection for {$770.00} they sent is on my XXXX report and doesn't show a account name, only an amount of {$770.00}. Both of these collections are from the same hospital visit but they're sending multiple collections and different amounts
08/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30004	Web	Servicemember
I have never verbally spoken to this company or received any written documentation from XXXX XXXX prior to receiving the attached debt collector letter. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within XXXX days after first contacting you. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. Please see attachments ( letters )
07/23/2015	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	AZ 85308	Web
Mitchell D. Bluhm & Associates sent me a letter for a debt without statement of debt, letter heading is Law Offices of Mitchell D. Bluhm & Associates. They then called me every day on my cell phone representing themselves as working for a law firm by saying this is the Law Office of Mitchell D. Bluhm and Associates. This company is not a law firm and is only a collection agency. I only found out they were not a law firm when I asked for their State Bar #. I was then transferred XXXX times to have a woman named XXXX get on the phone and say that this is just the name of our company, which is not true. The company 's name is Mitchell D. Bluhm and Associates only.
10/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
hello, I saw that i have medical collection debt on my credit since XX/XX/2019 from MBA LAW i tried to contact and obtain any records signatures or medical pressures but no success. no one called me before and no letters sent to me of debt its just showed on my credit report. very important to mention that i explained that i am an victim of identity fraud and that why also have note on my credits it is not first time that i am receiving letters and fault reports on my credit reports from places and services that i never used or received. i will ask to remove this fault report from my account immediately because its effect my score badly. thank you
10/27/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38655	Web
I have disputed a medical debt with debt collector LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX that is on my credit report in collections reported as derogative several times. I have sent a debt validation letter 2x by certified mail on XX/XX/XXXX and XX/XX/XXXX and contacted XXXX credit bureau. I have asked the debt collector to respond to the dispute in written communication and have gotten NO REPSONSE. Debt collector has damaged my credit and continues to call me and collect with no responses to my debt validation letters. If debt is valid or belong to me I DID NOT sign a HIPPA form to given consent for my medical records to be released.
05/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95206	Web
I received an alert today from XXXX Credit Bureau to advise me that there was a change to my credit. Once I logged on, I discovered 2 unknown collection accounts on my credit from Law Offices of MBA??? My credit report further states the date of services or the day the accounts were opened was XXXX and its for a company called XXXX XXXX. My complaint is that I have never received a collection notice from this company before. I also have health insurance and I have not been to the Dr. this year so far.- I don't know what this is for. I have also been a victim of Identity theft they can check with the FTC or the bureau. I have a police report on file.
08/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33860	Web
This business is harassing me for a debt I do not owe. I have contacted the original creditor listed and they confirm I have no balance. They have no record of sending my account to this collection agency. As of XX/XX/XXXX, the agency has reported delinquency which shows on my credit report. Again, I have no outstanding balance, was not sent to collection, and my credit shows a delinquency from the collection agency. I want the delinquency removed and the agency to leave me alone. As I have never had any contact by mail or phone with this company. I have attempted to contacted them and have file this complaint to assist me with this matter.
12/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92551	Web	Servicemember
Received a letter Demanding payment of a medical debt that is not mine. I wrote to the attorney and filed a complaint with the Texas Attorney General. I have since received a second letter with the same demand. The medical bills that the law offices of Mitchell D. Bluhm & Associates , LLC from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and/or XXXX XXXX XXXX, have nothing to do with me and they were previously advised. I have asked for a copy of the original medical billing and been denied. It appears that The Law Offices OF Mitchell D. Bluhm & Associates , LLC is trying to run a scam and intimidate people into paying money they do not owe.
04/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33579	Web
The Law Offices of Mitchell D Bluhm & Associates keep calling me trying to collect a hospital debt. I have asked on numerous occasions per the rules of FDCPA to provide me with a verification of debt and documentation that I owe the debt. They keep calling harrasing me and saying they sent it but have not. The other day another person called telling me it " was not sent to an attorney for review yet '' making it seem like they may sue me. I was told I would have to reach out to ask for the verification of debt and told them three times I have asked them to do their job and provide me with it per the rules and they still have not.
02/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34667	Web
XXXX XXXX XXXX Account XXXX I have never received a single letter from this agency ; however, I am now seeing this on my credit report through XXXX. Additionally, the amount that the agency is trying to collect is absolutely fraudulent. According to my healthcare insurer XXXX the patient responsibility on my claim is {$2000.00}. XXXX XXXX XXXX is reporting a debt that is completely inaccurate {$6400.00}. I had absolutely no knowledge that this was in collections because I had not received any correspondence. I do not feel that it is very ethical for the Law Office to try to collect more than the hospital is contracted to be paid.
10/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA XXXXX	Web
I was never given any written notice regarding this collections. This is from a hospital stay years ago and I have paid for that stay in full along with my insurance. If something went unpaid, I am sure I could refute it with insurance paperwork or receipts, however, the company refuses to send me anything in writing and has informed me several times that I need to " simply pay the debt without questioning '' which I do not believe is a good idea with medical debt because I have been burned so many times in the past thanks to changes in insurance, honest mistakes and overlooked payments, especially with the hospital in question!
07/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77043	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
03/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 79912	Web
I think its because of this reason : This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the XXXX XXXX XXXX insurace I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back. I received multiple calls/cards telling me that if I didnt pay they were going to affect my credit, but like I mentioned before since I dont have the money to pay, theres was nothing I could do about it.
12/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA XXXXX	Web
XXXX office MBA Law for XXXX placed a collection on my report with no validation. I have never heard of this company or received anything from them, and has never signed my signature or had any contracts or agreements with them. They made my credit score drop. I just happened to see it in my XXXX XXXX app. They are stating the status as open and a collection which if false. Under the XXXX XXXX, I never gave this company any consent to gain access to any medical records. This item is showing reported as of XX/XX/2022. I called the creditor they displayed as XXXX XXXX and was told they have nothing in their records.
11/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33647	Web
A debt was posted by XXXX XXXX XXXXXXXX XXXX also known as Mitchell D. Bluhm & Associates , LLC. This collection was posted on my credit score in XXXX for a bill that had been previously dropped by another creditor almost 5 years ago. This collection agency placed a brand new remark on my credit score without notifying me previously via any written communication. I had no idea the debt was still owed or my course of actions that needed to be taken to resolve the matter, no mail or email was sent or received by me which included this information along with the information about possibly disputing the debt itself.
01/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75180	Web	Servicemember
After noticing the debt on my credit report, I sent a Debt validation letter to Law office of Mitchell Bluhm. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, Mitchell Bluhm did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the Law office of Mitchell Bluhm or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
01/15/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NE 68106	Web
XX/XX/2020 - debt collector calls and informs me that are sending me the debt collection information to my previous address. I give them my updated address and not to call me again and that I will mail them with my questions, once I receive the letter. XX/XX/2020 - debt collector calls and informs me that sent the information to my previous address. They are impersonating a lawyer and that they will be pursuing legal options. I informed them that I have already provided my new address. Debt collector informed me that they are updating the address on their end and will be sending the information out again.
04/21/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 327XX	Web
Received a letter on XX/XX/XXXX from Mitchell D. Bluhm & Associates , LLC XXXX original creditor Florida XXXX ) for {$590.00} with a date of service of XX/XX/XXXX. The letter states that my Florida XXXX account was acquired by XXXX XXXX XXXX and placed with the law firm for collection. The balance they're saying I owe is grossly and disgustingly overstated and incorrect. I will be requesting debt validation, however I refuse to pay an inflated amount. I am also skeptical about paying any money to a " law firm '' that has no website and is not XXXX accredited. This sounds like a debt collection scam to me.
10/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I received a credit monitoring alert that XXXX XXXX XXXX also listed as LAW OFFICES OF XXXX XXXX company added a collection account to my credit file on XXXX/XXXX/XXXX. I have never done business with this company nor have I ever signed any contracts, I have absolutely no knowledge of this debt, I never received a letter in the mail, and I have never done business with XXXX XXXX I which is listed on my credit file as the original creditor. I also never signed a contract with XXXX XXXX I. My information has been compromised several times in the past and has caused me a great deal of financial stress.
09/04/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33160	Web
Mitchell Bluhm and Associates at XXXX XXXX XXXX ( hereafter XXXX ) are knowingly reporting a medical collection amount ( {$920.00} ) to the three credit bureaus in error. I reached out to the creditor XXXX to resolve this matter and also provided supporting documents through XXXX of proof of payments and the medical bill total is less than {$500.00}. The Creditor continues to report to the bureaus in error as the amount owed is {$920.00}, resulting in a false derogatory mark on my credit report. The medical bill is less than {$500.00}, which means it needs to be removed from my credit report.
01/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web
I received a collection letter from XXXX XXXX and associates regarding a child that is not mine and I have no legal obligation to. My daughters friend was at our home and injured herself. Her mother does not live in XXXX she stays in Tennessee, therefore I took her to the hospital to be treated. When I arrived to the hospital I had to give my information for her to be treated as she is a minor. I should not be held responsible for this bill it should be the responsibility of the parents. I explained this to XXXX XXXX and XXXX and they are saying XXXX still legally obligated for the bill.
09/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80203	Web
LAW OFFICES MBA - XXXX XXXX is trying to collect a debt that has been written off in a XXXXXXXX XXXX XXXXXXXX bankruptcy. The bankruptcy was XXXX on XX/XX/2022. I have disputed the 9 collection accounts they have created, they have removed XXXX and have refused to remove the other. They have been sent copies of the XXXX bankruptcy. I have mailed them copies, and I have requested more information. I have not received any reply. I have disputed this on my credit report three times, with copies of the bankruptcy. This needs to end. I have the right to a FAIR and ACCURATE credit report.
11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33467	Web	Servicemember
I am an employee of XXXX XXXX XXXX. In XX/XX/XXXXshe performed XXXX on me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, performed the XXXX. As a professional courtesy, I was not billed personally for the procedure which was a very nice gesture on their part. A couple of years later I got a bill after the practice was sold. I immediately sent letters of validation to their officers Dr. XXXX XXXX and XXXX XXXX. These letters were not answered. My credit report has now been hit by a collection firm called MBA Law, The Law offices of Mitchell D. Bluhm XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
02/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SD 577XX	Web
I have just checked my credit score on XXXX ( as I do every month. ) I just saw tonight that there is a total of XXXX open debt collections from a " LAW OFFICES OF MITCHELL '' with no further information ... I have tried to call them and the phone number will only put me through to someone if I have an account number. I have looked them up online and all I can find is that they are n't a reall law office and they are n't to be trusted ... I should n't have anything on my credit and I have never heard of this law office. I am not sure who to contact or why it is on my credit. Thank you.
03/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Law Offices MBA is continuing to report a collection account to my consumer credit file. If Law Offices MBA has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Law Offices MBA is attempting to collect. MBA has no legal right to attempt to collect a debt. MBA has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
10/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63123	Web
Mitchell D. Bluhm & Associates were shes in 2016 for violating Fair Debt Collections Practices Act. They have placed a collection on my credit report without proper written or call notification of an alleged debt from more than 5 years The debt was never verifiable, validation nor written communication providing an estimate barred date was not given. This is a scam company that has violated the Fair Debt Collection Practices Act ( FDCPA ) that has placed a collection on my credit report without proper written notification of an alleged debt. This is horrible that this even allowed.
09/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33770	Web
This is not my debt. I have no knowledge of this debt. I am already paying off medical bills to debt collectors directly. This is something new and I believe it to be fraudulent.I am getting texts from a number saying I owe {$2000.00} or more. I have never received any letter from any company about this. I would at the minimum demand a letter in the mail describing the debt and the validity of it to me, as well as the alleged dates and services from the original company and that companies name. I have no idea who this MBA company is or why they are all of the sudden contacting me.
11/08/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38655	Web
This is my second complaint against LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX attempting to collect a Medical Debt not has been been validated but has sent my medical records from another 3rd party company XXXX XXXX XXXX which is a direct violation of HIPPA. I never signed a form giving permission for them to have access to my medical records and personal data. In the letter and PDF email they sent on page 3 shows my medical records and personal data. XX/XX/2021 : Personal and private email message from The Law Offices of Mitchell D. Bluhm and Associates enclosed.
01/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29681	Web
Received a letter attempting to collect what appears to be medical debt. Letter received shows two separate charges. One charge is from XX/XX/2021 for {$41.00} and the 2nd charge listed is from XX/XX/2021 in the amount of {$2.00}, XXXX. This is the first communication I have received and it is from a law firm. The letter does not provide any information as to how I can dispute this debt or what the charges are for, it only provides a number if I want to call and discuss payment, or if I should choose provides a special offer to settle the balance on charges I was unaware of.
11/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30062	Web	Servicemember
I visited XXXX XXXX XXXX and paid what they said I owed at the time of my visit last XXXX. Since my visit, I have received bills stating that I owe more, which I won't pay since I have already satisfied my payment. They've " decided '' that I should pay more " just cuz. '' I had no insurance during my visit, so my payment was over a XXXX dollars. I do not have a copy of my payment, but they should have it on their computer. Also, I am confused about the nature of the bill " XXXX XXXX '' because I did not have x-rays. The visit was for XXXX, which doesn't require x-rays...
07/11/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32828	Web
I feel as if my personal information is being sold or passed around in order to collect a debt that was paid by my insurance. It started with XXXX XXXX then XXXX XXXX which was disputed and removed now it's Law Offices MBA which states it's a medical debt correct me if I'm wrong should not be showing up on my XXXX report due to new regulations as of XX/XX/XXXX. The HIPA law also protects my medical information from being shared. I feel I'm being targeted and harassed. Please find it in your heart to stop this on going pursuit to prevent me from excelling in life. Thank you
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75154	Web
A debt collector by the name of Law Offices of Mitchell D. Blum & Associates has not notified me about a delinquent account that this debtor collector has reported on my XXXX creditor report. I called the Law Offices of Mitchell D. Blum & Associates after I saw the negative report on my XXXX credit report and asked them to remove the negative reports off my credit report. I want the Law Offices of Mitchell D. Blum & Associates to remove the negative/past due bill reports off my credit reports. These debts have already been paid to the original medical company.
10/24/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32937	Web
A debt of {$1000.00} is trying to be collected from me from a company called MBA Law on behalf of XXXX XXXX. I have never used or heard of either of these entities and I owe no debts for any medical care. After doing research on this company, many people have complained of phone calls from this same company from multiple different phone numbers asking for debt to be collected. This is fraudulent activity that must be stopped. The only way I found out about this is through my credit score, I have received no mail and no phone calls about this fake debt.
12/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33462	Web
XXXX XXXX XXXX Accounts # XXXX XX/XX/2019 Balances {$660.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the XXXX office they are available ... thank you very much I hope solution immediatel
11/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33614	Web
I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.
08/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93063	Web
After pulling my credit I noticed a collection account listed. I have never received any communication from The Law Offices Of Mitchell D. Bluhm & Associates to validate debt. I then sent over a validation letter to have them provide physical documentation to validate this debt & make sure they are allowed to collect this debt. I have received no response & contacted the original creditor to request a copy of my HIPPA release form. I have never signed off on a HIPPA release to have a 3rd party debt collector to have access my medical information.
09/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23504	Web
There is collections account on my credit report with the total of {$2600.00}. This is not the first time this debt has been added to my report. I disputed it last year with XXXX and it was removed from my account immediately. This year it has been added back on. I am not the owner of this debt and I would like it removed and not put on my credit report again. The company name is XXXX XXXX XXXX. This company has not reached out to me about this debt and has not provided any proof that the debt belongs to me. I will like this removed immediately.
06/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 611XX	Web
I could not find an option to properly describe what is happening. The company is called MBA Law. They have continually added a debt to all three credit bureaus, for around XXXX XXXX. They are marking the debt brand new, dated XXXX of XXXX. The actual debt is from a hospital and is from XXXX. I have successfully had the collection removed for this going on two times. They keep adding it back on. Not only are the dates incorrect, but every time they add it back my score drops. This is completely unfair. Im doing so well at rebuilding my credit.
05/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34957	Web	Older American
On XX/XX/2016 I feel and hit my head at work. I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl. XXXX # XXXX. The company I was working for XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. # XXXX. The company paid the hospital bill because it was a XXXX XXXX claim, but they did not pay the doctor bill. The doctor bill is from XXXX XXXX XXXX at XXXX XXXX emergency billing department XXXX / XXXX. I have called XXXX. XXXX numerous times and they tell me someone will call me back but they never do.
09/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 321XX	Web
Called Debt collection agency on XX/XX/XXXX at XXXX ( Easter Daylight Time ) no one answered and received no call back. The debt had just been transferred to this " Law Office '' 3 days before hand. I have received no written letter of collections or email or calls. The debt collector has abused the collections notice on my credit twice in the last 30 days for the same debt which has already been reported and noticed in collections 4 additional times. As of XX/XX/2020 I have received 0 communication from this company about collections.
09/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34608	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.
06/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 335XX	Web
I am sending this dispute letter on my behalf. Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 714XX	Web
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Law Offices of MBA XXXX XXXX in the amount of {$59.00} Law Offices of MBA XX/XX/2022 in the amount of {$200.00} Law Offices of MBA XX/XX/2022 in the amount of {$2200.00}
09/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
Law Offices MBA has placed several debts with XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. There are listings for the following amounts : {$1400.00}, {$1400.00}, and {$2700.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
10/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32773	Web
I contacted this creditor on their secure login site and asked what a XXXX debt was about as i found it on my credit report. i requested complete verification of the debt to be mailed to me. A week later it no longer showed on my credit report. Now I check again and it lists a new debt, with a Open date as of XX/XX/2016. This is around the time i disputed it. This is completely fraudulent. It is for XXXX and I have not been to any doctor in YEARS!. This new " collection '' brought down my credit rating and fico score.
04/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 610XX	Web
I have checked my XXXX credit score and saw a significant drop due to an unrecognized amount of debt collection. LAW OFFICES MBA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX XXXX XXXX Due to an unrecognized bill come from XXXX XXXX XXXX XXXX XXXX ''. I have never been to this place and when I called the " Law Office '' the woman took my SSN and told me I owe the amount of {$1300.00} and hang up the phone without any more information. I am afraid of a general identity theft by this Office and in general.
03/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 15010	Web
I received a notice through mail that a debt I supposedly owe from XX/XX/2015, almost three years ago, has now been turned into collection. Prior to this I have not been called or sent anything trying to collect a debt. The law firm is Mitchell D. Bluhm and Associates out of XXXX, Texas. I was not able to get a hold of anyone when I called. The letter sent to me asks for an online payment on a website with my name in it, or to send a payment to them at a different address than is listed as their office.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21207	Web
Good Day, 1st issue XXXX is paid in full XXXX balance account ending in XXXX .I have sent the letter to Creditors to correct still showing balnace of XXXX no balance should be showing. 2nd is Law office of Mitchell - Not my account should be removed I do not owe Lawyer -none. total XXXX not my account. account XXXX ( no account with this company ) XXXX XXXX XXXX XXXX same affiliated creditor. not my account. should not be on my credit report. I sent documents and disputes still on my report.
12/23/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 30240	Web
I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.
06/23/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32809	Web
To whom it may concern. About a month ago, I noticed there's a collection on my credit report ... from Mitchell D Blum and Associates I sent a dispute letter asking them to proof me the debt is my ( validation ). They respond to me on XX/XX/2019 by sending me my discharge hospital documents. I feel that is a privacy isue, that shouldn't happened ( HIPPA ) and not only that I can't figured out on that document how I owe them the money that they are trying to collect, this is unfair and abusive.
05/06/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 762XX	Web
I have two collections on my account, one is for XXXX $ an the other is for XXXX , both collections Ive tried to dispute as well as Ive tried contacting the office about the collections on my credit and they were extremely rude, couldnt answer any questions and they eventually hung up on me. I tried to dispute these around the end of XXXX. I have no clue nor knowledge of every going any where near or talking to anyone from a XXXX XXXX XXXX. Id like to have them removed as soon as possible.
03/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30286	Web
On XX/XX/2021 MBA Law placed 3 medical bills on my credit report, I reached out to them as well as all 3 credit bureaus letting them know that these accounts doesnt belong to me by mail. Only two of three were removed from my credit, the largest balance remains! I sent a second letter asking MBA Law to remove the medical bill again, they didnt do so! I havent given my consent for any of my medical information to be release! I want this medical bill released from my credit report immediately!
06/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33138	Web
I am disputing some inaccurate information that reporting and harming my credit negatively. This company ( LAW OFFICES MBA ) has put a medical debt into collections against me illegally. Under 15U.S.C. 1681 sections 602A states : A. I have the right to privacy. Under U.S.C. 1681 section 604A. section 2 states : A consumer reporting agency can not furnish an account without my written instructions. All these accounts and information these agencies is reporting is innaccurate and illegal.
12/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29115	Web
MBA LAW violated my rights 15 usc 1692c ( a ) 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 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, Social and proof of residency during the date of service. This account is being inaccurately reported on my credit.
02/20/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	AL 35007	Web
I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.
12/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34654	Web
So far, I've recieved phone calls from 2 different FL numbers and written correspondence from 2 different addresses in different states other than FL. It's confusing and they didn't respond to the Debt Validation Letter except to say that they got it and they had to make sure that their records were " accurate ''. Shouldn't they be accurate already before they took action? I'm sending a letter today to give them 5 days to furnish this info or I will not respond to the debt again.
12/16/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 62002	Web
See at the hospital and my medical insurance was not submitted. The credit collector put the information on my credit instead. I called to as how do I have my insurance company pay for the medical debit but they couldn't refer me to the department to get the matter resolved. They have sold my medical information to other companies and it just keeps showing up on my credit under different company names but they won't provide me with the information to have the matter resolved.
11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 337XX	Web
I am a federally protected consumer, submitting this complaint on my own behalf ; expressed on XX/XX/2021 ; I contacted THE LAW OFFICES OF XXXX. XXXX XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW on or about XX/XX/2021 requesting remaining documents to validate and verify dunning response on or about XX/XX/2021. It has been greater than 30 days since I sent notice of dispute, demanding proof of claim and I have yet to receive documents providing proof of claim of referenced account.
12/01/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 42001	Web
this collection company has put this allaged debt on my consumer file without provideing and validion that i owe them any such amount futhermor under FDCRA laws 15 usc 1682 g no valadion that i even did business with this company this is not a verifaction request this is you have violted my consumer rights by obtaining my personal information without my consent futhermor 12 ufc 1006 this is agaist the law and my consumer rights and must be deleted from all bureaus now
11/18/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 782XX	Web
On my credit report ( XXXX XXXX, XXXX ) I have a collection from a creditor : MBA Law. I have no idea what this and why it's on my credit. The account was opened XX/XX/2023. I was not affiliated with this business during this time, or anytime. The original creditor is XXXX XXXX XXXX XXXX. The amount is {$1500.00}. This is not accurate. I want it off my credit immediately! This company, nor do the credit bureaus have my permission to put this on my report. XXXX XXXX
09/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30188	Web
Received a call from The Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX at XXXXXXXX XXXX on XX/XX/XXXX. The said I owe {$1200.00} on a medical bill that I already paid to a collection agency on XX/XX/XXXX. They are clearly mistaken as I have the reciept for the bill I paid. Rather than do their due diligence, it seems they'd prefer to harass me and go catfishing about some bogus 2 year old bill that I already paid.
08/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33712	Web
I attempted to dispute a medical debt collections on my credit report since I had no knowledge of the account or collection status. The collection agency did not send written information regarding the debt owed, but submitted to the credit bureaus as accurate. I have now have no way of verifying the debt ( original service date, total amount owed, etc. ). I suspect this is not a legitimate debt as I have not had any outstanding medical bills needing attention.
09/20/2022	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	LA 70122	Web
I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, XXXX is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77090	Web
This account was sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. In addition, as stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy.
10/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 477XX	Web
I was contacted by MBA law offices about an apparent health care bill that had already been closed out. I spoke with someone who continued to interrupt me when I inquired about the debts and they were quite aggressive. That said, I confirmed with the hosptial where the visit occurred who assured me that the debt / bill I had was paid in full. This is something I had confirmed prior and thankfully have the data ( i.e. banks statements ) to back this.
10/06/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85225	Web
Original Creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/2016 This debt in question of {$9400.00} was paid through XXXX XXXX XXXX XXXX of Illinois medical plan. Any and all amounts or out-of-pocket expenses have been paid and settled accordingly. XXXX XXXX XXXX XXXX has since sold this account to another agency XXXX XXXX XXXX XXXX and placed with MBA Law for collection, and forfeited their right to collect any further money from me.
07/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 480XX	Web
Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.
11/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 88005	Web	Servicemember
I received a letter from Mitchell D. Blum & Associates, LLC, requesting I pay {$49.00}. I believe this bill originated from XXXX XXXX XXXX and it is erroneous in nature. This bill collector is attempting to debt that is not owned by me. I have to insurances XXXX being XXXX, the other is private. XXXX has never received a bill from this hospital for services on the date of XX/XX/2020, I was never seen at this hospital on that date.
01/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80138	Web
I have never signed a HIPPA release form with the following alleged creditors : The law office of Mitchell D. Bluhm & associates , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas. Therefore they are in accurate and HIPPA violations. I want these immediately deleted. HIPPA laws protect my personal medical information from being used without my consent and you are now aware of these HIPPA violations. Delete immediately. Thank you.
05/11/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75002	Web
I am contacted by Mitchell D. Bluhm & Associates law firm. For the third time. The first time was approximately 2018 when I made 2 payments of {$33.00} each. My bank refunded that to me. I did not owe them and the bill was medical and they confirmed they only work with one collection agency not the law firm. Now they're contacting me again for an amount that has been paid to XXXX XXXX billing in the amount of {$380.00}.
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32810	Web
On XX/XX/2021 I requested for these companies to provide me proof of signature in XXXX ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62521	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.
01/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 360XX	Web
XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.
03/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33161	Web
On XX/XX/2022, I sent XXXX a letter asking them to provide me with legal documents to validate this alleged debt that they are reporting on my reports. I never received a dunning letter from them, and they completely ignored my letter. I am not responsible for this alleged debt, I never did any business with XXXX ( XXXX XXXX ). I need them to close this account in their office and delete them in my reports.
09/11/2019	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	FL 330XX	Web
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc.,
03/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 778XX	Web
XXXX of XXXX at XXXX XXXX XXXX I recieved treatment. I paid the amount that wasn't covered by my insurance, then a year later randomly had a collection added to my credit report. Disputed it and made contact, the collection was removed. Now months into the future without any communication from either XXXX XXXX or the new debt collecter they sent it to, a collection was added to my credit report once again.
04/09/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33446	Web	Servicemember
The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.
02/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 79602	Web
I checked my credit report via credit karma and credit karma showed a new creditor had been added on my report on XXXX XXXX that i owe money from an opened account on XXXX XXXX for XXXX $ by law office of mitchell D bluhm and reimbursement technologies when no such debt was made. I have not done any business with anyone to have generated this account. It must be removed immediately for it is in error
12/23/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NE 68116	Web	Servicemember
Company wrote me with several indicators that it was from a law firm, while implying that they were representing the current collection company for an alleged debt of {$440.00}. I also felt threatened and bullied by an ultimatum to pay by a certain date ( XX/XX/2021 ). I wrote a letter trying to validate the alleged debt, and they sent me a statement with personal medical treatments plainly visible.
12/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73505	Web
Mitchell D. Bluhm and Associates sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37174	Web	Servicemember
I have contacted XXXX and XXXX. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. I do not live in Florida, and therefore do not have medical debt in Florida. Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34771	Web	Servicemember
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
12/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73505	Web
XXXX XXXX XXXX and XXXX sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.
10/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30083	Web	Servicemember
There is a company on my credit report call MBA Law that portrays themself as a law office collecting a debt. However, one I never received any correspondence from them about this. Number two I never gave anyone any permission to sell my information to anyone to harass me about money. I did not sign any paperwork with this company so I know they have no signature on file for me.
12/08/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
05/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22202	Web
Letter from Law Office Mitchell Bluhm and Associates asking for medical debt collection on a 2 year old ER hospital bill dated XX/XX/2019 that was already paid in full 2 years ago by XX/XX/2019. The amount listed was for {$330.00} with no information on what it was for. I have not called them or gone to pay on their online portal : " law-mba.com '' since it seems like a scam.
08/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 777XX	Web
In accordance with the fair credit reporting Act LAW OFFICE XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights 15. U.S.C 1681 Section 602 A Section states I have the right to privacy 15. U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.
04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ XXXXX	Web
Amounts of {$690.00} AND {$710.00} from a company based in Texas called Law Offices MBA. The balance date was for XX/XX/2023 but I don't know when it's saying that I acquired the debt. Either way, I know that I did not acquire the debt because I have been extremely good about paying off anything that I get and also I've already reported my identity being stolen once before
02/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 17057	Web	Servicemember
I was charged for over XXXX dollars at a hospital I've never been to. The hospital is more than two hours away from where I live. I tried to dispute the fraudulent charge but it kept telling me it was verified without any proof. I tried contacting the collection agency and was told there was nothing I could do and that I had to pay it in full to avoid further penalties
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33837	Web
Never received a debt validation letter before affecting my credit and did not receive new letters till after credit was affected to even be aware of any supposed debt. I am requesting a full valid debt verification. I would like to see full itemized billing and agreement of debt. I would like all information produced by original furnisher produced to debt collector.
09/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39503	Web
On XX/XX/2021, I received a letter from MBA LAW stating that I owe {$6700.00}. The letter says that no attorney has personally reviewed the alleged account, and that the debt was bought from the original creditor. I have no knowledge of the debt. The same account was added to my credit report 5 different times all three bureaus, dropping my score over 80 points.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
This company MBA Law reported XXXX a charge off account open XXXX balance of {$7800.00} on my credit report to all three credit reporting agencies. It doesn't list what type of account this.I have never did any business with this company. I don't owe them anything. They have never contacted me for any about this account. I want it removed from my credit report.
10/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web	Servicemember
Law office MBA Collections I am XXXX % XXXX veteran this company has me reporting to the Credit bureau. A debt of {$410.00} for medical never send a bill but they was giving all the information to get their money from the V.A. This account is more than three years old. And its not removed from my credit report please have them report this collection.
11/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained and what information and see if it's legit. Please note that I don't a verification but a validation containing the information listed in the letter
09/10/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85020	Web
My information has been sold to a third company which turns out to be a fraud law office " law office of mitchell " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.
07/08/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23669	Web	Servicemember
On XX/XX/XXXX, I learned this scam company called LAW OFFICES MBA submitted to XXXX that I owed {$950.00} although they have never indicated why and I have never done business in Texas. I disputed this via XXXX, but this false debt remains on my report. I have XXXX kids and barely getting by. Please stop this scam. My credit was good before this.
04/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48213	Web
The debt was paid to the orginally creditor in total on XX/XX/XXXX. Since around the end of XXXX I have received phone calls from XXXX XXXX XXXX and the debt is showing up on my credit. It has been re-aged and even after having it removed by the credit bureau after showing proof of payment from XXXX, it has been put back on my credit again.
08/29/2020	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 Their investigation did not fix an error on your report	FL 32818	Web
I have a loan with XXXX XXXX, LAW OFFICES MBA, 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, XXXX XXXX, LAW OFFICES MBA, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
06/29/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 164XX	Web
Called my wife 's work phone, said they were the law firm, MBA law, started asking for personal information and would not tell me what this matter was pertaining to. When I told them I would not be answering any questions until they told me what this was about, they got off the phone. These are unethical tactics and should be treated as such.
02/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 33404	Web
My wallet was stolen and someone has been fraudulent charges and hospital bills from XXXX XXXX XXXX and XXXX XXXX of the XXXX who are sharing and selling a debt that I have no knowledge of also a XXXX XXXX address in XXXX XXXX XXXX I have knowledge of my whole life is in shambles and I'm trying to pick up the pieces and move on I need help
08/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33990	Web
I was contacted by Law Offices of MBA for a debt collection. I am not aware of any debt pertaining to this account. I sent a written letter requesting an itemized bill in order to verify the debt. My requests have been ignored and now the company has made a false report to the credit bureau causing my credit score to be affected negatively.
12/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
Received the attached letter from creditor attempting to collect a debt that I do not owe. The debt is a fraud, the letter might violate the law by concealing the Fair Debt Collection Practices Act required 30 day dispute wording on page 2 of the attached document. I dispute the fraudulent debt described in the attached document entirely.
02/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20705	Web
After noticing the collection on my pristine credit report for {$350.00}, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' on XX/XX/2022 and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.
12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
My credit reports shows a debt collection of {$93.00} from a company called The Law Offices of Mitchell D. Bluhm and Associates ( MBA law ). The debt was paid but there has not been any update reflecting on my report. I was told once I paid the settled amount of {$65.00} it would be removed from my credit report but that is not the case.
09/26/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33604	Web
In XX/XX/2020 I received on my credit report a debt of XXXX from an unknown company. ( MBA LAW ) This is a medical according to MBA law. I did not sign a contract neither did I give anyone permission to violate HIPPA laws if this is a medical bill. I called this company and they told me I must pay them the debt that was sold to them!
03/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30309	Web
I did not receive a written notice of an attempt to collect. This collection was posted on my credit report. This debt was paid in full, and I do not owe. I have disputed the debt with the credit reporting agency, but they are saying the collection agency has provided proof of debt. This debt was paid in full to XXXX XXXX on XX/XX/19.
12/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92596	Web
I am unaware of this debt. I was just recently notified from my XXXX credit report. Prior to I had no knowledge of owing a debt from this company. I did not receive debt verification, no phone calls or any letters. I would like to have this debt removed from my account as it is hurting my credit score and I think it may be an error.
12/12/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	FL 34110	Web	Older American
I have been texted previously and again today this message at XXXX XXXX : " Law Offices of MBA, a Debt Collector : Please contact us if you have questions at XXXX or visit us at XXXX : XXXX To optout txt STOP '' My computer says Hmmm - can't reach this page. Check if there is a typo, etc. They are a scam. We do not owe any debt.
03/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 201XX	Web
We received a collection letter for a debt that we dont owe. We have never received a bill from original alleged provider. The demand letter encourages us to just pay the bill. Then if we dont they will pursue collection including credit reporting. This is an unscrupulous scam that preys upon people who are afraid of lawyers.
10/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 328XX	Web
I contacted MBA Law in regards to this collection they are reporting to my credit report. I sent the original debt validation letter on XX/XX/2022. This debt doesn't belong to me please see the attached FTC report and also the original letter sent XX/XX/2022 Please remove this account from my credit report XXXX and XXXX Thank you
04/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32839	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web
I file a dispute with this company XX/XX/ LAW OFFICES MBA for {$1200.00}, because i didn't do this it was fraud and they denied my dispute saying that it was me i explained to them it wasn't and that i was just going through my report and there is multiple things including address that i never even lived at on my report.
10/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34744	Web
There was a debt placed on my social security number for a money I dont owe. I moved to the United States on XX/XX/XXXX. The debt is from XXXX. The company never called me or provided explanation of why this amount of money was put on my social security number. The debt collector company goes under MBA law firm on Texas.
08/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 337XX	Web
The collection agency keeps submitting a medical bill that I never received against my credit report. I have no knowledge of this bill. I have disputed the bill repeatedly with the company, but also to the credit bureaus. The credit bureaus then remove from my credit report. The amount of the bill is around {$100.00}.
03/25/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73012	Web
This collection was removed from my credit and now, after 6 months, it has been put back on. The collection agency is showing opened XX/XX/XXXX and they are not showing a date of last activity with XXXX XXXX in XXXX XXXX, XXXX. This medical debt is from XX/XX/XXXX and they are showing it was turned opened XX/XX/XXXX.
08/28/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web	Servicemember
Repeated texts and calls from multiple different numbers claiming to be the Law Office of MBA demanding I pay {$210.00} to settle my debt of {$300.00}. They send the same phone number and link from this short-form phone number : XXXX. The phone number they send : XXXX and the link they send as well : XXXX XXXX XXXX
04/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32539	Web	Servicemember
They claim I owe {$290.00} and I have received text correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. No verification of identity was given. I believe this is a scam. They claim to be the law office of MBA with the contact information XXXX and the website https : XXXX for a form of payment.
02/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20705	Web
After noticing the collection on my pristine credit report, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.
05/09/2023	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	VA 240XX	Web
Law offices MBA placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.
01/16/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 787XX	Web
Debt collection for a phony and non-existent medical bill by " The Law Offices of Mitchell D. Bluhm and Associates, LLC Attorneys at Law '', claiming that we had radiology services on XXXX XX/XX/2021 for {$1400.00}. All false, we had no appointment on or around that date for any medical services whatsoever.
04/12/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33410	Web
They called my moms cell phone who lives in a whole different city than me looking for me, and told her that if I didnt call them back that they were going to file something in court to have me arrested. I filed a dispute against them and they are lying about everything and they wont stop the harrassment.
08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 328XX	Web
I received a call from MBA Law stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?
11/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78223	Web
There 3 accounts from them. Two of the accounts are both XXXX the dates are not matching with one another when they opens them and the last active date. The third account is XXXX. Ive asked them to send me a copy of the contract with my signature and they have not yet to send me anything showing me proof.
02/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 324XX	Web
A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.
03/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44011	Web
MBA Law placed a medical collection on all three credit bureaus without notification that any debt is owed. It is also illegal, now, to list medical debt on you credit report. Did not send an invoice, has not proven the debt belongs to me. MBA LAW XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43551	Web
In Accordance with the fair credit reporting act XXXXt account number 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.
05/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77642	Web
MBA at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has been sending me collection noties in the amount of {$1400.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
07/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34741	Web	Servicemember
I am not aware of when this hospital visit occurred. I am pretty sure that I had insurance at the time since I do and have received Medicaid for quite some time. I tried to see if I could settle with a smaller amount and they told me no. I am a full time XXXX and haven't been working for a few months.
05/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60624	Web
In accordance with the Fair Credit Report Act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without written instructions
07/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37110	Web	Servicemember
Law offices of Mitchell D Blum and associates on behalf of XXXX XXXX XXXX of Ga. Ive been contacted by this and other companies regarding the same account. Ive denied these charges for many years. Ive successfully disputed it off my credit report and now its back under a new collection company.
10/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43230	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
01/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60438	Web
MBA LAW-I SENT IN A LETTER TO THE COMPANY ASKING FOR A COPY OF A CONTRACT BETWEEN MYSELF AND MBA WITH MY SIGNATURE, BUT HAVE NOT RECEIVED A RESPONSE OR A CONTRACT. I HAVE NEVER HAD ANY BUSINESS WITH MBA AND DO NOT OWE THEM ANYTHING. THERE ARE REPORTING {$410.00} FOR THIS ACCOUNT BEING OWED.
06/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33604	Web
XXXX, XXXX AND XXXX ARE REPORTING A COLLECTIONS ACCOUNT ( Law Offices Of Mitchell ) THAT IS NOT MINE. THEY ARE IN VIOLATION OF THE F.C.R.A I DID NOT GIVE XXXX, XXXX AND XXXX CONSENT TO REPORT THIS ACCOUNT. THIS COLLECTIONS ( Law Offices Of Mitchell ) IS NOT MINE AND DOES NOT BELONG TO ME.
04/24/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33579	Web
I was charged for over {$7000.00} for services. I have contacted the collection company and they are saying it went through insurance. The insurance company when contacted says they do not have the claim. Neither have correct documentation or prices. This is unfair and deceptive information.
06/30/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32806	Web
I was told an attorney would get involve, & & that this debt has been way over due for to long. impersonating they were an law official. please prove that it is me that owe you whoever you might be, PLEASE! That's all i ask!!!!!! & i want that information ASAP this has gone on XXXX enough!
09/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 705XX	Web
MBA Law At XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notice in the amount of XXXX. Seeing the collection has been reported as past due I do not know this company. I have never done any business with this company, this company does not have a contract with my signature.
07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34747	Web
I have asked MBA Law for details of this debt and they have never sent it to me. I have been fully insured and dont recall any invoices. If they are right, I will pay but need them to remove it from my report, if they are not able to prove it, then they need to remove it immediately.
02/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19121	Web
This company reported to my credit a debt that doesnt not belong to me. I never received a bill. Based off the report the debt was sold however it does not belong to me. I did not use these services and they refuse to report correctly. I never received a notice or any documentation.
01/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60643	Web
And theyre constantly sending me mail and regards to this dad that Im not sure of it doesnt seem like it belongs to me and I basically just want it removed from my credit report at this point it seems like its harassment and I cant get in touch with him through phone or by email
09/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Web
MBA LAW XXXX XXXX XXXX, XXXX, TX XXXX Has been sending me collection notice in the amount of {$1300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
09/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web
XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX These are not my debt I have had XXXX for the longest these no way I should have any medical bills in my name or credit
03/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.
05/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92083	Web
Someone is using my name to get medical help in state of texas. Letters from collection agency from XXXX XXXX XXXX XXXX XXXX, XXXX attorney at law. There is also another from XXXX -ran emergency physicians. These debts were not me cause I live in California n not in Texas.
11/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web
ATTENTION DISPUTE DEPARTMENT LAW OFFICES 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.
09/17/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	MD 21207	Web
got a letter from a lawyer mitchell d bluhm & assoc. for XXXX dollars i have medical insurance shouldnt be payimg anything have medical assitance sent that back with bill with insurance information thought it was taken care of since i never heard back from hospital
11/21/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	VA 23606	Web
This company continues to call me everyday and leave text messages stating that I owe a debt to them. Ive gotten several call daily and several text messages daily. Ive blocked there number and they still continue to call me from the same number and several others
04/14/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30705	Web	Older American
MBA Law claims I owe {$1300.00} for medical services. Ive never seen this charge nor has it been submitted to my insurance company. The supposed debt is almost XXXX XXXX XXXX. It is not my debt. I received an alert on my credit report that needs removed.
12/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
I am hearing about lawyer XXXX out of XXXX Texas has been fraudulent about accusations. They dinged my XXXX XXXX like six times. And if they are in the right, I only went to the hospital like two times in 3 years. So how did they ding me more then twice?
03/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 554XX	Web
I didnt not give permission to view or know my personal information to pursue a debt. Both debts opened on XX/XX/XXXX. For XXXX and XXXX for st.joseph hospital. Have not lived in florida since XXXX. Which is where the hospital is located.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	GA 30016	Web
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32837	Web
There is a collection company after me for a debt from a hospital. I received a letter fom them and the letter says that I owe {$91.00}. I paid XXXX already. They sent a false information to the credit bureau stating that I owe {$150.00}.
08/14/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45805	Web
They made agreements to have the collection removed from credit profile if I paid and also said they sent a letter out stating it would be removed but letter also never arrived call was recorded by them XXXX XXXX same date as receipt
06/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78212	Web
I asked for validation of debt over two months ago. They said it would take one week in XXXX and I moved out over a month after in XXXX and still didn't recieve any validation. They refuse to send me any information over email as well
05/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37066	Web
I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.
01/22/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 368XX	Web
This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
06/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29016	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with LAW OFFICES MBA plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$2400.00}
05/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 15642	Web
Called the company to explain that the debt was not mine. I asked for verification that I signed any documents for these charges. This debt is not mine and needs to be removed from all the credit bureaus immediately!
03/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 42301	Web
This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.
07/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MBA LAW plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : XXXX
04/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34744	Web	Older American
1- ) account name : LAW OFFICES XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX ) ACCOUNT TYPE : COLLECTION 4- ) DATE OPENED : XX/XX/2022 5- ) BALANCE ; {$300.00} DOLLARS 6- ) They put in XXXX Credit report in Collection
01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
11/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
MBA Law, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Amount {$690.00} I dont have a contract/agreement with the collection agency and I request to be removed from my XXXX credit reporting agency.
09/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
this debt showed up on my credit and I have no idea about it. my. mother had the same collection on hers for XXXX and I had it for 50. this company seem to jus randomly place a collection on my credit
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32714	Web
I have told this company multiple times the balances are not mine. I have also asked for documents that show the services or agreement of services, but nothing more than a balanced document comes in.
01/19/2023	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	LA 70094	Web
I have made multiple attempts over the last few months to get the company to send me validation per the FCRA that this debt is mine. They have never responded with the requested information
10/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33165	Web
I contacted all of the collections on my credit bureaus. I asked for debt validation and verification letter confirming details of debt and I haven't received any information or response.
12/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19606	Web
MBA law in Texas put a collections on my credit report without any notice from them that I owed the debtXXXX XXXX XXXX XXXX Phone XXXX XXXX. This is a medical debt I know nothing about.
09/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! The law offices of mitchell d. bluhm & associates collections - XX/XX/18 - {$200.00}
01/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44111	Web
I am receiving SMS debt collection notices from this short code. There is no name attached, no identity confirmation, no addressee, and no method to stop the messages/opt out ability.
05/11/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48221	Web
third party attempting to collect a debt that was settled. I was not given full disclosure for contract. Nor do I have any contract with company attempting to collect a false debt.
03/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Web
I noticed the debt on my report from XXXX XXXX it was for a medical bill the medical bill is not for me and the debt collect has failed to send a signed contact by me of any kind.
04/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Collection appeared on my credit report with a date of XX/XX/XXXX but was not on my report until XX/XX/XXXX. Debt is not mine and I want it removed from my credit reports.
07/14/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 620XX	Web
On XX/XX/XXXX I pulled my credit report and noticed a {$1400.00} hospital bill from LAW OFFICES MBA I am unaware of this collection, therefore I would like this removed.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45212	Web
My information/identity was used without permission or knowledge. I am filing this complaint to help get these things removed from my credit, to help rebuild my credit.
09/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33407	Web
I contacted Mitchell d. Bluhm on XX/XX/XXXX and advised that this debt was part of a bankruptcy, case # XXXX and it should not be reported or collected on any longer.
01/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 331XX	Web
Someone used my name and DOB for a Hospital bill. This is not the first time that a person with a similar name has been shown in criminal reports using my identity
01/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33139	Web
I have been charged a medical bill that I have no knowledge of. I have never been to that ER. I believe someone used my name or my ID and pretended to be me.
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	OH 436XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43607	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.
03/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 386XX	Web
Debt appeared on my credit report on XX/XX/2022, in the amount of {$1400.00} and I was not notified to dispute NOR do I have any knowledge of this debt.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23803	Web
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.
03/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32714	Web
Law offices XXXX Improper use of Credit report. Reporting Company used report improperly. Obtained or Used for purposes not allowed by the law.
09/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IA 50701	Web
I sent a letter to MBA LAW in regards to a collection account I noticed theyre reporting on my credit report. Validation is now requested.
09/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33803	Web
Debt collector reported to credit bureau in XXXX. I successfully disputed debt. Then month later reported it to a different credit bureau.
03/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33556	Web	Servicemember
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.
02/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46530	Web	Servicemember
The Law Offices of Mitchell if fraudulent reporting a negative item on my XXXX file. I have filed with the FTC under fraudulent activity.
04/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
02/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 349XX	Web	Older American
I 've already paid in full and settled this case in XX/XX/2016. I have a receipt of my payment to prove that I owe nothing.
11/30/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 368XX	Web	Servicemember
advised hospital then and via all phone calls attempted to collect that XXXX XXXX XXXX was active and to bill insurance
10/12/2022	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	MD 20743	Web
XXXX XXXX XXXX AND XXXX {$810.00} This has been over 7 years I filed a dispute with the company nothings being done.
04/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 759XX	Web
UPON CHECKING MY CREDIT REPORT, I NOTICED THERE IS AN COLLECTION FOR XXXX XXXX XXXX XXXX. THIS DOES NOT BELONG TO ME
08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 880XX	Web	Older American
They keep calling for a person not living in my home and I have notified them and the call still persists
11/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33713	Web
I was never informed nor owe anything like this, I have disputed and nothing has been received
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30294	Web
I did not consent to this account or did i gain any financial gain from this account.
02/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44106	Web
I received correspondence by a debt collector to collect a debt that is not mine.
09/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33470	Web
A law office try to charge me for a service that l don't really know about it
06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78418	Web
The total amount was paid at discharge from the hospital.
11/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web	Servicemember
I sent the company a 30 day validation letter request.
01/09/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77706	Web
Calling at work XXXX me for an alleged debt. XXXX
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 622XX	Web
Reporting Company used my credit report improperly
05/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33073	Web
law offices mba showing on XXXX FTC violations
01/28/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 787XX	Web

01/26/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 782XX	Web

01/22/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43613	Web

01/21/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 397XX	Web

01/21/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78749	Web

01/20/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34120	Web

01/18/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34119	Web

01/13/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web

01/13/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08401	Web

01/09/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web

01/08/2024	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	SC 29445	Web

01/05/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33261	Phone

12/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33881	Web	Servicemember

12/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

12/18/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 64015	Web

12/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32824	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33161	Web

12/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web

11/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34761	Web

11/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20904	Web	Servicemember

11/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 41143	Web

11/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23220	Web

11/03/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22309	Web	Servicemember

10/26/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web

10/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45801	Phone

10/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78701	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 302XX	Web

10/07/2023	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	GA 30263	Web

10/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30268	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30268	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22204	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web

09/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55125	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web

09/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22153	Phone	Older American

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web

09/13/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30263	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78735	Web

09/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

09/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30036	Phone

09/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 34758	Web

09/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23231	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36804	Web

08/28/2023	Yes	Debt collection Medical debt	Electronic communications Frequent or repeated messages	FL 32701	Web

08/21/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 71439	Web

08/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43605	Phone

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23837	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23231	Web

08/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33852	Web

08/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30144	Phone

08/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37138	Web	Older American, Servicemember

08/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78729	Web

07/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78748	Web

07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77088	Web

07/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32216	Web

07/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web

07/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 243XX	Web

07/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VT 05454	Web

06/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64138	Web

06/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30094	Web

06/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30094	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70528	Web

05/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Web

05/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79907	Web

05/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21157	Web

05/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20724	Web

05/05/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60640	Web

05/03/2023	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	OH 45239	Web

04/28/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80044	Web

04/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33584	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33647	Web

04/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33155	Web

04/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33409	Web

04/20/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 70053	Web

04/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web

03/30/2023	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	AL 35576	Web

03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33713	Phone

03/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31064	Web

03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Web

03/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77071	Web

03/21/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TN 37040	Phone

03/15/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33511	Web

03/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 24015	Web

03/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50707	Web

03/01/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48601	Phone

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31533	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 43701	Web	Older American, Servicemember

02/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web

02/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78069	Web

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37042	Web

02/11/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32524	Web

02/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22153	Web

02/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77521	Web

02/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78640	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33849	Web

01/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32836	Web

01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32055	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31533	Web

01/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30184	Web

01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44128	Web

01/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92553	Web

01/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33314	Web

01/18/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32712	Web

01/15/2023	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	GA 31533	Web

01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30092	Web

01/08/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32822	Web

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32701	Web

01/03/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34711	Web

01/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33565	Web

12/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20136	Web	Servicemember

12/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44614	Web

12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

12/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43605	Web

12/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19121	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60478	Web

12/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

12/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23878	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35211	Web

11/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 41040	Web

11/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23831	Web

11/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77096	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32805	Web

11/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60409	Web

11/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77025	Web

11/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33881	Web

10/27/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77469	Web

10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77095	Web

10/20/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30032	Web

10/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76384	Phone

09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46208	Web

09/17/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32839	Web

09/14/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85044	Web

09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48326	Web

09/12/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23602	Web

09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24112	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33426	Web

09/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22015	Web

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22031	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 337XX	Web

08/17/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33605	Web

08/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web

08/11/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30342	Web

07/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80138	Web

07/22/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92672	Web

07/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60478	Phone

07/19/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32712	Web

07/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80229	Web

07/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32807	Web

07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20748	Phone	Servicemember

07/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75110	Web

07/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

07/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29650	Web

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75056	Web

06/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77469	Web

06/23/2022	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	MN 55432	Web

06/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78504	Web

06/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75146	Web

06/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18052	Web

06/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33175	Phone

06/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34746	Web

05/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39341	Web

05/19/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18036	Web

05/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80012	Phone

05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70460	Web

04/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

04/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43078	Web

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33523	Web

04/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 183XX	Web

04/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33138	Web

04/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32877	Web

03/16/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 45801	Web

03/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22701	Web

03/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32811	Postal mail

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	FL 33592	Web

03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77031	Web

02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

02/11/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78369	Web

02/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DC 20022	Phone

01/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23111	Web

01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33179	Web

01/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23231	Web

12/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22701	Web

11/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32129	Web

11/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49321	Web

11/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 493XX	Web

11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 88101	Web

11/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60624	Postal mail

10/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33313	Web

10/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31206	Web	Servicemember

10/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33896	Web

10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35040	Web

09/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35040	Web

09/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23704	Web

09/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32826	Web

09/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33708	Web

08/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32707	Web

08/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35208	Web

08/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 71245	Web

08/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Web

08/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33021	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32807	Web

08/23/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38655	Web

08/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CT 06060	Web

07/30/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	MD 20850	Web

07/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Phone

07/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23222	Web

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VI 00851	Web

07/13/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 70526	Web

07/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22031	Web

07/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70535	Phone

06/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63367	Web

06/29/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 43549	Web

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22102	Web

06/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44485	Web

06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33755	Web

06/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32822	Web

06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

06/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 351XX	Web

05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32736	Web

05/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91001	Web

05/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33634	Web

05/03/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28312	Web

04/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web

04/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91214	Web

04/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71220	Web

04/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45424	Web

04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45424	Web

04/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33556	Web

03/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33838	Web

03/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web

03/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33773	Web

03/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32810	Web

03/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33579	Web

03/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23223	Web

03/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23223	Web

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43607	Web

03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43609	Web

03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 436XX	Web

03/07/2021	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	OH 43613	Web

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45215	Web

02/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web

02/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23805	Web

02/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

02/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33743	Web

02/03/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44039	Web	Servicemember

02/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75103	Web

02/01/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45014	Web

02/01/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32818	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71106	Web

01/06/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 34689	Web

12/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33132	Web

12/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30294	Fax

12/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33321	Web

11/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70187	Fax

11/16/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78501	Web

11/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49319	Web	Servicemember

11/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34945	Web

11/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32808	Web

11/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34761	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75092	Web

11/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33055	Web

10/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70043	Fax

10/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18103	Web

10/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Fax

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 Investigation took more than 30 days	GA 30529	Web

10/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32803	Fax

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33028	Web

10/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30519	Web

10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33073	Web

10/01/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71129	Web

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30102	Web

09/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78503	Fax

09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22124	Web

08/31/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71119	Web

08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30080	Web

08/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46033	Web

08/06/2020	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	IN 46033	Web

08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30305	Web

07/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61065	Phone

07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30180	Web

07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33162	Web

07/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30084	Web	Servicemember

06/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32818	Web

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29569	Postal mail

05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33060	Web

05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33060	Web

05/02/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34786	Web	Servicemember

04/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32868	Postal mail

04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33311	Web

04/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

02/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33404	Web

01/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33712	Web	Servicemember

01/18/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30132	Web

01/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10166	Fax

12/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32825	Web

12/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34638	Web

11/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33433	Phone

11/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30830	Web

11/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34984	Web

10/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web

10/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32438	Web

10/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33701	Phone

10/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33458	Web

09/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Phone

09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33028	Web

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34202	Web

09/14/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32824	Web

09/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33322	Web	Servicemember

08/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33436	Web

08/21/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 18104	Web

08/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33709	Web

07/30/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33463	Web

06/24/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	OH 44512	Web

06/22/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33713	Web

05/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77713	Web

04/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33756	Web	Older American

04/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web

04/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32713	Web

03/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33186	Web

03/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33759	Web	Servicemember

03/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34475	Web

02/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

02/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34986	Referral

02/07/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45211	Web

02/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45215	Web

12/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 34689	Web

11/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

10/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75085	Web

09/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 79912	Web

08/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45215	Web

07/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75935	Web

07/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75134	Web

06/22/2018	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	TX 75070	Web

06/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32905	Web	Servicemember

06/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18018	Web

03/29/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78404	Web

03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33634	Web

02/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37214	Web

01/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32080	Web	Servicemember

01/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50622	Web

01/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93550	Web

11/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63136	Postal mail

10/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21783	Web

09/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34746	Web

09/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32246	Web

09/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 392XX	Web

08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48213	Web

06/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Web

06/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

06/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32807	Web

06/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 47909	Web

06/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33509	Web

05/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85016	Postal mail

04/13/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70816	Web

04/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21244	Web

03/09/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	FL 33617	Web

03/06/2017	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	TX 78006	Web

02/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48340	Web

02/21/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 78383	Web

02/20/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75044	Web

02/19/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 78006	Web

01/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30281	Web

12/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	DE 19938	Referral

10/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 49270	Web

07/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18421	Web

06/30/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34953	Phone

01/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70533	Referral

10/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32811	Web

09/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34745	Web

09/01/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34116	Web

08/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44118	Web

08/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77479	Referral

08/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77479	Referral

06/26/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77469	Web

06/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92058	Web	Servicemember

06/04/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34744	Web

05/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33603	Web

05/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98115	Web

03/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32824	Web

03/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CT 06877	Web

03/06/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	LA 70063	Referral

03/05/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32746	Web

02/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30005	Referral

01/12/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33325	Web	Older American

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77354	Web

12/17/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 44067	Web

10/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33305	Web

09/25/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	GA 30909	Web

07/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44128	Web

07/22/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77027	Web

06/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44128	Web

06/09/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	LA 70094	Web

06/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30248	Web

05/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33773	Referral

05/14/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 77477	Web

05/13/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	AL 35124	Web

04/01/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	OH 44125	Web

03/31/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89147	Web

03/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10029	Web

02/25/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	CA 95678	Web

02/09/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 79424	Web

01/29/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AL 35055	Referral

01/27/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 92104	Web

01/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OR 97034	Web

12/26/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80520	Web	Older American, Servicemember

11/19/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NH 03104	Web

10/30/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96701	Referral

10/04/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97008	Web

09/17/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30458	Web

09/09/2013	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	FL 34104	Web

08/12/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VT 05770	Web

07/25/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OK 73134	Web

07/16/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 98105	Web