Torres Credit Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92111	Web	Servicemember
On XX/XX/2020, I received a debt collections notice in the mail from Torres Credit Services ( XXXX PA ) for an unpaid XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) bill of {$270.00}. I am a customer of XXXX XXXX XXXX. The address on the bill was my home address at a townhouse that I rent ( XXXX ), but the addressee was shown as the HOA 's name ( XXXX XXXX of XXXX XXXX ) and not my name ( XXXX XXXX ). I called Torres Credit Services and asked what this was about. They said that there was an unpaid bill at this address and asked if I lived there. I said yes and that I had paid my latest XXXX XXXX XXXX XXXX a couple of days late on XX/XX/XXXX for {$160.00}. They said that they had no record from XXXX & XXXX of me making that payment. But, they wanted me to pay the balance of the amount owed ( {$100.00} ) to prevent the collections notice from being posted to my credit report. I thought it odd that the bill was addressed to the HOA and not me personally. But, not wanting to have my credit report affected, and still not knowing why this charge got sent to collections, I paid the {$100.00} to Torres Credit via credit card. On XX/XX/2020, I received my monthly bill from XXXX XXXX XXXX for {$190.00}. I called XXXX & XXXX to find out how much I actually owed, as I had made a {$100.00} payment to Torres Credit a couple of days earlier. The service rep said that they had no record of the {$100.00} payment and that their records showed I owed {$190.00}, due on XX/XX/XXXX. I then asked them why they had sent me to collections on a bill that I had paid only a couple of days late. The service rep said that they had no record of my account going to collections. But, if it had, that Torres Credit was the collections agency that they used XXXX it apparently wasn't a scam ). I eventually found out that there was an electrical panel on the property, about XXXX feet from the actual building, that previously housed an electrical meter for XXXX XXXX of XXXX XXXX XXXX. And, it had the address of XXXX on it. I then deduced that the collections bill had been sent to me in error at XXXX by Torres Credit instead of XXXX. On XX/XX/XXXX, I called Torres Credit to inform them of the error and asked them to reverse charge my credit card for {$100.00}. They said that it was not their fault that I had paid that money on behalf of XXXX XXXX XXXX and that they would not refund it. I then called my credit card company to inquire about stopping and reversing the charge. They said that any investigation, if successful, would require XXXX to 6 months to complete. Also on XX/XX/XXXX, I called XXXX XXXX XXXX and asked them to either refund the {$100.00} to me or to credit my upcoming bill for {$190.00}. They said that they had received the money from Torres Credit, but they had no way to verify that I had personally made that payment. So, they refused to refund the payment in any way. I feel that I made a good-faith effort to pay off what was represented to me by Torres Credit as my creditor, even when it turned out that it was not my debt, under duress of having an unpaid debt affect my credit report. I believe that Torres Credit should have, in equally good faith, refunded my {$100.00} and gone after the actual debtor ( XXXX XXXX of XXXX XXXX HOA ) for what the debtor owed. But, Torres Credit explicitly told me that it was my fault for making the erroneous payment and that they didn't care where the money came from. They got paid and, as far as they were concerned, the case was closed. Contact information for Torres Credit Services is XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX PA XXXX. Phone numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The client name and ID for this issue is XXXX XXXX XXXX XXXX XXXX XXXX, and the account number with Torres Credit is XXXX. If you need further information from me to resolve this issue, please let me know. Thank you XXXX XXXX
08/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 177XX	Web
To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away. 1. Offer proof of the debt, such as real accounting. 2. A signed invoice serving as proof of their claim against you. 3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 805XX	Web	Older American
I was called XX/XX/XXXX by XXXX XXXX concerning a bill incurred by my son for {$940.00}. I had forgotten that I had signed for him to get electricity in 2004. The account was closed XXXX XXXX, and the due date on the bill was XXXX XXXX. XXXX from billing told me to make a {$100.00} payment on or before XXXX XXXX. I made a {$100.00} payment on XXXX XXXX. I tried calling to let XXXX know I would be making another payment 2 times on or around XXXX XXXX, but she was not available. I called and spoke to XXXX on XXXX XXXX for XXXX minutes trying to understand my bill. She transferred me to a manager named XXXX, # XXXX at my urging. After XXXX hours on the phone with XXXX, he agreed to send me via email an itemized bill showing me the amount of each month 's bill withheld due to " Balanced Billing '', so I knew what I was paying for. He said it would take 21 days max. He also told me not to worry ... .that as long as I was making payments XXXX would not send it over to Collections. On XXXX XXXX, another payment of XXXX was made by my son. I trusted him to begin making payments, and as soon a I realized he was not complying, I made XXXX more payments to my Reliant account online in the amount of {$50.00} on XXXX XXXX and XXXX. I was about to make another {$50.00} payment when I received a call from Torres Collections on XXXX XXXX informing me that my bill was placed in Collections on XXXX XXXX and demanded payment. I informed them that I had to call XXXX and would call them back. I called XXXX and asked to talk to a Supervisor. I spoke to XXXX, and she told me I had to deal with Torres Collections and was not able to answer any of my questions. I was exhausted and felt powerless and discouraged. So I waited the week-end and called Torres on Monday, XXXX XXXX. I spoke to XXXX, and she told me they can no longer delete a bad credit report due to a recent Federal Law, even if the bill is paid in full. I requested a credit report and found my credit had been ruined. I worked hard on a minimal salary averaging about {$13000.00} a year my whole life trying to build good credit and never paid a bill late. Then I asked XXXX if there was any way I could " settle '' the bill. She came back with XXXX {$140.00} payments due XXXX, XXXX and XXXX, which meant {$180.00} off the current bill of {$600.00}. XXXX asked me for a credit card number. I asked her at least 5 times if she could send me a written copy of the bill and agreement. She said that she was not allowed to send me any information. I asked her, " How can I trust you without the agreement in writing? ", especially since XXXX said one thing and did another. And she said she worked for XXXX. I told her I would call XXXX again and try again to get them to take the bill off my credit report. Instead I made a call to your agency. Please help me so I can get my credit restored with the least amount of stress. I was, and am willing, to pay my debts.
05/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94040	Web
- Received a collection letter from Torres Credit Services , Inc on XX/XX/2021 states that I owe XXXX XXXX XXXX XXXX XXXX the total amount of {$38.00}. - Called Torres Credit Services right away and asking for more details. They have a lot of my personal information including my full name, email address, phone number, last 4 digits of social, three addresses I lived in the past two years, the account number I had with XXXX, etc. to make the whole scam sound somewhat " convincing ''. The story on their side is I owed the unpaid utility bill when I moved from one unit to another in XXXX XXXX ( which should be XXXX XXXX XXXX, not XXXX so that is suspicious ). I asked if that's true, how come I didn't owe money to XXXX XXXX XXXX but XXXX. They explained that XXXX XXXX XXXX outsources their utilities from XXXX, and that's why I owe money to XXXX ( that is suspicious too since I'm having business with XXXX XXXX XXXX, why do I care who they outsource their business to, and even if I do owe them money. It should be between me and XXXX XXXX XXXX, so I asked the account # on XXXX that they " claim '' I owe money to. - Called XXXX and gave them the account # I got from Torres Credit Services, and XXXX told me that I don't owe them any money but there is nothing they can do on their side to clear things out. - Called Torres Credit Services again to dispute the charge. Things that worry me a lot are, - where did they get all my personal information? - what are they going to do with my personal information in the future? Or what have they done with my personal information that I haven't noticed?
04/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32536	Web
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account XXXX XXXX XXXX 3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX XXXX XXXX XXXX 5. Torres Credit Services I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
11/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 339XX	Web
I never received a final bill from my electric provider, XXXX XXXX ( XXXX ), because I was set up for e-billing. I found the bill in my Spam folder in XXXX and immediately paid the bill. That payment was for {$370.00} and was paid directly to XXXX on XX/XX/XXXX. On XXXX, I received a notification from a credit monitoring service that I had a collection notice on my credit report from Torres. I disputed the negative credit report item with XXXX, but the dispute ended in favor of the collection agent. I contacted XXXX on XX/XX/XXXX and they let me know the original amount that was due had been paid on XX/XX/XXXX ( as mentioned above ), and notification had been sent to Torres 3 weeks earlier. XXXX did note there was approx {$15.00} in late fees still due on the account, so I paid those over the phone with XXXX. They stated the account was paid in full, and provided me with a payment confirmation # XXXX. I again disputed the collection noted on my credit report with XXXX. I provided the information I've included here. The dispute was again denied and the collection note still remains on my account as if I still actively owe this 3rd party credit collection agency {$380.00}. I do not, as explained above, according to XXXX. Because today is XXXX, I can not reach XXXX to request they send an updated statement for my closed account stating it is paid in full. Torres has the ability to verify this information, they are choosing not to and trying to collect the same funds twice.
02/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19403	Web
XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency.
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 90804	Web
I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
01/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19147	Web
I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. I am nervous that they have my information and will fraudulently report something to the credit bureaus.
08/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 507XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60652	Web
I had an account with XXXX XXXX XXXX. This account was in use at an old apartment of mine from XXXX of XXXX to XXXX of XXXX. In this apartment, I became financially incapable of making payments due to a year of unemployment and eventually running out of the benefits. I turned to a program the city of XXXX offered to assist me with this bill but did not receive the aid. As a result, there was a remaining balance on the account which was sold to a collection agency. I provided a detailed letter explaining my circumstantial set backs to the collection agency, Torres Credit. I also requested that the company remove this collection report from all three credit bureaus reports. A representative reached out via phone requesting that I pay {$150.00} in order for them to remove the collection from all three credit bureaus. I explained to the representative that I am financially incapable of doing so.
12/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19401	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C. 1001. Additionally, these misstatements 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 as 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.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60148	Web
I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards. I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60148	Web
I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards. I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.
09/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07105	Web
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that were not mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. I recently went to file an Identity Theft Police Report just as the Credit Bureaus requested. Just a few days ago, I received a collection letter from TORRES CREDIT SERVICE collecting on an alleged debt with XXXX XXXX XXXX, I definitely do not recognize this debt, it has nothing to do with me.
03/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 08109	Web	Older American
My credit monitoring services alerted me of a change to my score, upon checking the alerts I found Torres Credit Services claiming I have a {$24.00} balance that is charge off / collection status. I have absolutely no clue what this company is talking about because I tried multiple time contact this agency but no body respond. I does not have any debit of these amount. I had a debit of {$21.00} dollar with with a Real state who name its XXXX XXXX but I already paid ( I has proof from my check account ) From XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection {$24.00} XXXX XXXX
11/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60426	Web
On XX/XX/2021 TORRES CREDIT SRV added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, TORRES SRV has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
12/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 770XX	Web
On XXXX I Opened an account with XXXX, submitted XXXX payment, my light was never turned on, I consistently called XXXX XXXX sent bank statements showing that I paid them, then in XXXX 2015 I received a call from XXXX stating that they would they would send me a check for XXXX because they own XXXX and my lights were never put on, After receiving the check from XXXX, I changed it, after changing it, I received a letter stating that I owe them XXXX, my credit score was in the XXXX, I called torres collections explaining the situation, they said they would get back to me and never did now this money that they stated I owe is on my credit score.
01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60426	Web	Servicemember
I just received my credit report and noticed these unauthorized items that's wasn't suppose to be on my credit profile. this has been very frustrating after recovering from XXXX. and now I'm trying to get a car and can't get approved because of it. in accordance with the fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 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.
06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19401	Web	Servicemember
Today XX/XX/XXXX, I realized my XXXX membership was deactivated as I got a new debit card late XXXX, XXXX, early XX/XX/XXXX. My XXXX membership was not renewed as it was an auto-pay. I went to check my credit score and noticed my credit score significantly dropped and found a charge that was not related and or familiar to me. Torres Credit Service XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Act Grid Code XXXX XXXX XXXX balance date : XX/XX/XXXX ; balance {$830.00}. All of which is not mine. Please help me in removing this item from my report ( s ). Thank you. I have left messages for Torres with no response.
08/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76131	Web
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90660	Web
Torres Credit services and XXXX notifying me XXXX XXXX XXXX of a debt totaling {$58.00} although this may seem like a small sum the continued reporting is damaging my credit rating. I contacted the XXXX major Credit bureaus and XXXX and Torres making a point of proving to them that I was the victim of Identity Theft. It has been over 30 days and they have not provide any documentation legally linking Me XXXX XXXX to the account. Not to mention the fact that : I was residing in different city than the one provided for the origin of this account.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19140	Web
I do not owe XXXX XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe XXXX and XXXX original debtor ( XXXX ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.
02/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60628	Web
According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of XXXX. I preface this to say the company Torres Credit Services , Inc has been illegally reporting an alleged debt on my credit profile without an XXXX Collection Agency License. The day this company started attempting to collect was XX/XX/2022 and the amount of the alleged debt is XXXX . I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.
05/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94121	Web
I have been receiving a call every day from this phone number starting XXXX weeks ago. Every time I pick up the phone, either the other party hung up or not said a word. I searched on the internet and found that it is a debt collecting company. I do n't own any debts so I never bothered to call back. I also blocked incoming calls from this number because it is very annoying! At a result, they just leave me a XXXX second long empty voice mail everyday. Seems like many people on the internet have suffered through their harassment!
01/16/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60639	Web
I called in verified information and I advise representative that I was disputing the validity of the debt and I will like proof of charges. She refused stating that I could not dispute the debt. I asked the representative over 5x her name which she refused to give and blindly transferred me to a manager XXXX XXXX I asked the manager several times the representative name which he didnt disclose at my leisure. I then advise him of the conversation which he told me he would handle the matter
06/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NH 032XX	Web
I contacted the credit reporting agency Torres Credit Service out of XXXX, PA that the only derogatory mark on my credit comes from. It 's a charge of {$140.00} from many years ago and I wanted to pay it off. When I called the company and gave my information they have no records of an account or my owing anything to them. I was going to pay it off to help my credit score but now there 's no way to pay it off if they do n't have any records so I would like to get it removed from my report.
05/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19140	Web
Torres Credit Services placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Torres Credit Service to remove incorrect information off my credit report. More importantly, Torres Credit Services are in violation of FACTA section 623 ( A ) ( 7 ).
09/05/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 193XX	Web	Servicemember
I was never informed of the debt being purchased by Torres Credit Services via mail or phone. I am not sure when they purchased the account from XXXX. However the account with XXXX remained OPEN although the service was disconnected at XXXX XXXX XXXX due to the sale of my property. Payment was paid in full with XXXX not Torres Credit Collection Service which is reporting on my XXXX report and is INACCURATE and needs to be removed from my credit profile.
12/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
Last week I received an alert that I had some new collection activity from XXXX XXXX. There is an account from XXXX in the amount of XXXX. I do not know nor have opened an account with this company. I would really like some type of proof provided to me such as a signed contract that I opened this account. If that can not be provided to me please cease activity and remove from my credit asap. I was not notified of any sort of the collection.
10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10701	Web	Servicemember
Upon checking my credit report. I saw a erroneous collection for {$67.00} dollars. This erroneous collection account was from a collection agency name Torres collection. I have no knowledge of such a amount being owed for {$67.00} dollars. This collection that appears on my credit report is fraudulent and is in error. I want it removed. It appears on my account every month..and no mail from the alleged debt was ever received.
11/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92507	Web
Torres Credit Services has continued to collect on an {$85.00} utility bill that was discharged in bankruptcy. As a result the collection item has been placed on my credit for ALL three major credit bureaus ( XXXX ). Torres Credit Services has refused to remove this item from my credit thus negativaly impacting my credit. They have violated the FCRA/FDCA by reporting on this debt as valid since it was discharged in bankruptcy.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	Web
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
10/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on Torres Credit Services , Inc.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web
15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights
05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 605XX	Web
Creditor, Torres Credit, stated they would not report to the credit bureau. Debt was paid XXXX XXXX, account reported to Credit Bureau on XXXX XXXX. Affected my chances of homeownership. Was told repeatedly it was done in error and they would remove the trade from my credit bureau report no later than XXXX XXXX. This account still remains on my credit bureau report today, XXXX XXXX, 2015.
09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17109	Web
Im not sure what happened as this just recently appeared on my credit report in the past month. Yet it says date opened in XX/XX/XXXX Thats not possible. I have copies of previous reports and this was not there. I have had issues w/multiple accounts in the past in regards to identity theft. ( see attached report ). I believe this to have been opened fraudulently.
07/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19020	Web
I get calls several times a day from Torres credit services. Number XXXX. No one speaks when I answer or they only say hello. When I call the number I am put on hold and then sent to voicemail. The repeated calls on a daily basis are disruptive to my household and constitute harassment. Please help. I do not have any outstanding debt. This is clearly a scam.
10/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web	Servicemember
On XX/XX/ a collections account was posted to my credit report from Torres Credit Services for {$140.00}. I called up the service and they didnt even have my name tied to this collection account, it was someone elses. This debt is not mine and belongs to another person and is fraudulent. Torres Credit services provided no documentation that this is my debt.
12/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 601XX	Web
On XXXX XXXX XXXX, an outfit called Torres Credit Services sent a letter stating I owe {$14.00} from not paying a XXXX XXXX XXXX XXXX which is a complete lie. This company is running a scam operation trying to collect phony debts and sending intimidating collection letters. The address from them on the letter shows they are located in XXXX, PA.
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92324	Web
For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.
11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
04/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 604XX	Web
This company continues to attempt to collect two debts from me. one for {$1100.00} and the other for XXXX. Supposedly they are two accounts from XXXX XXXX that show the same dates of service. First, how is that even possible? Second, those are not my accounts. They took it off my report once and they now have come back again.
08/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46375	Web
This company reported a collection to my XXXX consumer report without ever notifying my about any alleged debt. This is a violation of the Fair Debt Collection Practices Act-Failure to notify, and failure to validate. I challenge any and all debt that this collector is attempting to collect.
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18360	Web
In accordance with the fair credit reporting act, this company has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
11/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19147	Web
TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA The above company reported to XXXX that I have a {$130.00} unpaid debt in collections. I have no unpaid debts in any type of collection process nor have I received any communication from this company.
05/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60631	Web
I received a collections notice from TORRES CREDIT SERVICES for {$420.00}. The original creditor is XXXX XXXX XXXX XXXX, apparently opened on XX/XX/XXXX. I never opened an account with this company and I do not have any knowledge of what this could be.
10/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 207XX	Web
Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89012	Web
I am writing to report an identity theft incident and the wrongful collection of an alleged debt under my name. I discovered this fraudulent account on XX/XX/ and I immediately filed an identity theft report with the FTC.
01/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18901	Web
i found a collection for {$240.00} on my credit report from TORRES. i was never once informed about this debt, and now it randomly appeared on my credit report as a collection. I believe this is a false report.
11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60201	Web
after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91739	Web
I do not owe nor do I have any knowledge of this account. Please remove immediately as this is affecting my credit and causing a tremendous detriment to my financial well being.
06/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60619	Web
Company threatened to garnish wages and attempted to take furniture from my home even though I'm currently in XXXX XXXXXXXX even though debt has been written off
10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91367	Web
My account was sent by Gas Company to the collection agency. This bill is paid but the collection agency has not removed my name from collection. Please advice.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60031	Web
This account is still reporting as open and past due. This account was charged off so the company is falsely reporting information on my credit files.
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Torres Credit Services is attempting to collect on a debt that I do not owe to them. I 've never heard of this company or done any business with them.
07/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90037	Web
I just recieved a letter saying I owe XXXX $ for XXXX XXXX XXXX XXXX when i already paid my last bill which was 8.50 $ or something around there
04/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92277	Web
XXXX XXXX XX/XX/19 I did not get or try to get XXXX XXXX. I havent been in cali since XXXX of last year. My dad was in the hospital sick
02/06/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60640	Web
Torres Credit Services continually calls my phone without leaving a message. I do not know what this is pertaining to.
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89149	Web
I DID NOT SET UP THIS ACCOUNT. THIS ACCOUNT IS FRAUDULENT. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
07/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 601XX	Web
On XXXX I disputed a {$2100.00} collection, I requested that the debt be validated in that request.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web
I dont know how this on my bill n I did not put it but I will pay sum of it to get it off
02/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 600XX	Web
i never have this account please is need to remove
04/22/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60622	Web
XX/XX/2018 repeated phone calls
12/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19138	Web

11/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19118	Web

10/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19119	Web

10/23/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

10/19/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

08/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Web

05/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19134	Web

04/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60639	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90068	Web

02/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17013	Web

01/25/2023	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	IL 60120	Web

12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17111	Web

09/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19135	Web

06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85023	Web

12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 62901	Web

12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60706	Phone

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web

10/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77043	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60471	Web

08/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 194XX	Web

06/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19144	Web

05/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60566	Web

04/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17015	Web	Servicemember

03/16/2021	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	GA 30087	Web

01/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92108	Phone	Older American

09/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 93534	Postal mail

07/02/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93534	Web

06/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web

04/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Web

03/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78610	Web

01/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60624	Web

03/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60639	Web

01/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92691	Web

09/14/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 19061	Web

08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90304	Web

08/13/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60653	Web

07/05/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17103	Web

06/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90001	Web

01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60615	Web

01/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60628	Web

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90806	Web

11/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92236	Web

09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60409	Web

09/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91739	Web

04/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93203	Phone

01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60616	Web

01/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18929	Web

11/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10036	Web

11/05/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93550	Web

07/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 24263	Postal mail

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	PA 19064	Web

01/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60604	Web	Older American

12/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33027	Web

11/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	PA 19512	Web

10/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90278	Web

09/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90014	Web

08/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76638	Web

07/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60462	Phone

06/20/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18640	Web

04/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18634	Phone

03/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77346	Web

02/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 19518	Web

01/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60636	Web	Servicemember

12/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	PA 17070	Web

11/18/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53406	Web

09/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 18102	Phone

09/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92648	Phone