| 03/08/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX I went to XXXX XXXXXXXX due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which I thought was XXXX XXXX after being around someone who had it. During the hospital visit I teste Positive for XXXX XX/XX/XXXX. ( at XXXX XXXX XXXX XXXX ) I gave both insurance cards XXXX, and my health insurance from my employer during the time. I found out months later ( XX/XX/XXXX XXXX XXXX XXXX ONLY billed my employers health insurance and not XXXX. After finding out and speaking to a representative at XXXX they refused to bill XXXX saying if it was known then they wouldve billed them and it was past filing time. I found that XXXX XXXX covered XXXX XXXX ( co insurance, & deductibles during the XXXX time frame ) I called XXXX XXXX and had them to reprocess the claim so I would not owe XXXX XXXX XXXX XXXX the reprocessed the claim and submitted additional money to them ( per the agent with XXXX XXXX on XX/XX/XXXX ). On XX/XX/XXXX I received a notification indicating my XXXX score was changed and that a collection was placed on my credit report. I first googled the creditor they indicated I owed. It brought me to XXXX XXXX medical center. I contacted the insurance company who provided me insurance during the time which against was XXXX ( XXXX XXXX ) I spoke with them in reference to what XXXX indicated I owed on ( XX/XX/XXXX ) they indicated they was looking into it. XXXX stated they had statements indicating I owed {$200.00} only because I wasnt just billed for XXXX but I had codes in reference to XXXX, XXXX, XXXX etc. ( Things that my primary care provider treats me for but XXXX asked about during my emergency room visit for XXXX to see if I have any other medical history and had treatment I was receiving elsewhere. ) XXXX removed the extra {$100.00} and processed the claim lower than usual to help additional due to the XXXX charges but couldnt process further XXXX would need to submit the corrected claim since I wasnt seen for anything else besides XXXX. After speaking with XXXX XXXX claims representative about the situation they gave me the option to contact the insurance fraud department, against XXXX ( because I was not being treated, for XXXX or nothing else BESIDES XXXX, they didnt diagnose me with anything Still wasnt sure why the Representative at XXXX XXXX XXXX stated they had XXXX codes stating other treatment was done. So thats why the {$200.00} portion could not go away because other codes besides XXXX was listed as why I was there, which was false after the 1 hour call with UHC I called Transfinacial to see where the amount of {$610.00} and to see who XXXX XXXX XXXX XXXX XXXX are since XXXX was given me a different amount.
I spoke to a representative by the name of XXXX. XXXX indicated they received information from a business account and was limited on what they could see and say XXXX indicated she didnt have ANY information but the small amount of information that was supplied to the business account. I asked XXXX how is that I never received any information from them or Transfinancial saying this was owed as a collection, XXXX stated You should have received an explanation of benefits from my insurance company explanation my portion owed and this is what I owed after processing my insurance. I asked for the number and information to who it is I need to call and she stated shes not sure they only have information from a business account. REPEATEDLY. Then I asked should I call XXXX XXXX medical and is it from them? XXXX Stated Call XXXX I ask again is it from them she indicated their physcians bill separately and that is who XXXX XXXX XXXX XXXX XXXX is.In then proceed to inform XXXX I did call XXXX and they dont see a {$600.00} Bill . They are not able to see much I asked who is the provider XXXX indicated XXXX XXXX from an emergency room visit I informed XXXX Ive never seen a XXXX XXXX a day in my life XXXX, and the XXXX XXXX XXXX XXXX groups have been paid if theyve billed my insurance she indicated well maybe he was out of network.
I Contacted XXXX XXXX and asked to speak to someone in billing to see why they havent paid the provider. I have a recording on my phone as well as XXXX has a recording indicating the EOB you received was correct the provider was out of Network WE PROCESSED THE CLAIM AS IF THE PROVIDER WAS IN NETWORK DUE TO HIM BILLING STATING THE CARE WAS AN EMERGENCY, WE PAID HIM ACCORDING TO WHAT WE WOULD HAVE PAID OUR OTHER PROVIDERS THAT ARE IN NETWORK. YOU WOULD HAVE OWED A CO INSURANCE AFTER PROCESSING THE CLAIM FOR IN NEWTWORK. / PROCSSING FRO OUT OF NETWORK YOU WOULDNT AND WE WOULDVE COVERED THE CLAIM 1ST I explained the PROVIDER NEVER entered my room I had a nurse come in and an assistant, with a Practitioner. Who indicated they needed to swab 2nd if he BILLED my insurance company stating I owe {$710.00}. They paid him for {$130.00}. He accepted the payment but still feel he is owed by me for NOT EVEN SEEING ME FOR XXXX XXXX and pursuing me after accepting payment from my insurance company who billed him as an in network provider. I dont understand why he / billing company is trying to pursue insurance FRUAD so hard but obviously an attorney needs to be retained for fraud and damaging my reputation.
3rd- how am I not allowed to get a letter from the collector to dispute the debt, but they are allowed to put this damaging information on my credit file, then tell me I shouldve recd documentation from my insurance company 9 WHICH MY INSURANCE COMPANY IS SAYING A WAY LESSOR AMOUNT THAN {$600.00} AFTER contacting Innovative healthcare by email I recd a secured message back from the rep saying someone would be in contact immediately from billing but after day # 2. Ive failed to hear a response again while this is riding my credit REPORT and damaging my rep. If the provider did not provide care and my insurance company paid the requested amount why are you trying to pursue fraud.
I have filed a FTC report for this fraud information, I will also present this along with recording of all representative to an attorney to pursue for damages caused. I will also submit this to the insurance fraud department, the attorney generals office and more REMOVE THIS FROM MY FILE IMMEDIATLEY NO ONE HAS CONTACTED ME! PER THIS EMAIL ALSO I DO NOT AND I did not sign a HIPPA FORM RELEASING ANY OF MY INFORMATION TO TRANSFINANCIAL, Also AGAIN : All calls between me, XXXX XXXX, trans financial , XXXX XXXX, the newest billing company for XXXX XXXX XXXX, and XXXX XXXX I have recorder and will present to an attorney, I have also filed a fraud report against trans financial XXXX XXXX XXXX, and XXXX XXXX. I spoke to XXXX after speaking to numerous amounts of people in which the representative informed me she will send a request up to someone and allow time for them to review why other codes were billed and I wasnt seen for those issues. XXXX also informed me they never received the additional payment from my insurance provider for the service date and an E- Payment code of : XXXX was provided dated XX/XX/XXXX Please see ALL ATTACHED EOBs billed to my healthcare provider, if this is a SCAM to get additional money after already not billing BOTH insurance companies please stop.
How will Transfincial STATE I OWE but tell me I should have gotten an EOB from my insurance provider not a LETTER IN THE MAIL FROM THEM. AGAIN PLEASE REMOVE THIS INFORMATION FROM MY CREDIT FILE. I will also forward this to the attorney generals office to the harm of my character, and credit. This ongoing battle is getting ridiculous & wasting my time if a lawsuit is needed against all parties I will be more than happy to file due to damaging my reputation, due to fraudulent activities again please CEASE ALL COLLECTING ATTEMPTS AND REMOVE UNTIL A ITEMIZED BILL YOU DID NOT GIVE ME TIME NOR NOTIFY ME TO DISPUTE THIS DEBT! PER THE AGENT I SHOULD HAVE WENT BASED OFF THE EOB ATTACHED TO THIS LETTER AND I DID. The collector has been forwarded to me. And in contact with me ESPECIALLY if you have no idea of who is collecting, and what they are collecting for.
Also the amount billed minus the amount charged is also not adding up like he wants money for not even seeing me I have reported this information to insurance fraud department with the health care company as well.
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| 06/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Good Afternoon, I have being reaching out to this company since mid XXXX about resolving this matter. I asked them for a Debt validation letter and an HIPPA agreement with my signature on the document.Transfinancial Companies, LLC violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practice Act, and Defamation of Character. I draft a affidavit to Transfinancial Companies, LLC. The affidavit stated ; This not a dispute letter, This is consumer demand letter. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be deleted and/or monetary relief for violating my consumer rights.
this is violation of my consumer rights. A list below of all the violation that have being breaking so far.
According to the Fair Credit Reporting Act FCRA 611 15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
15 U.S. Code 1681 - Congressional findings and statement of purpose findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1692b. Acquisition of location information ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
After they received the letter This how they reply to me Dear MrXXXX XXXX Thank you for your email below. I have reviewed the account associated with your email.
I see that you have previously filed a written dispute as to the validity of the alleged debt at issue ; and that Transfinancial Companies, in conjunction with its client, XXXX XXXX, has conducted an investigation and determined that the debt at issue is a valid debt. Transfinancial Companies provided you documentation supporting the position of XXXX XXXX that the debt is indeed valid.
In your below email, you have indicated that Transfinancial Companies reporting to the credit bureaus contains fraudulent information and have implied that you have filed an affidavit of some sort. Transfinancial Companies has not received any affidavit from you and you have not provided to Transfinancial Companies any specificity as the fraudulent information you reference. If it is your claim that you are a victim of identity theft, I will be pleased to review this claim further if you can provide additional details of the identity theft in an affidavit or otherwise. It is my assumption though, and please correct me if I am wrong, that you are not claiming identity theft since you make no mention of identity theft in the written dispute you sent to Transfinancial Companies in XXXX of this year. If you are indeed a victim of identity theft as it relates to the debt at issue, perhaps the dental records and photographs taken by XXXX XXXX can assist the justice system in connection with any criminal complaint you may have or will file against this perpetrator.
If you have further information that you would like to provide regarding the alleged fraudulent information you claim is being reported, I will be happy to review that information.
Kind regards, My office can not give you legal advice. Information provided by my office should not be construed as legal advice. If you have questions or concerns regarding your legal rights you should contact your own attorney.
THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
XXXX XXXX XXXX General Counsel Transfinancial Companies, LLC XXXX XXXX XXXX XXXX XXXX, LA XXXX
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| 08/22/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX I had an emergency XXXX at XXXX 's XXXX in XXXX XXXX. Started receiving and paying on multiple medical bills coming in. Started paying on the Main Hospital Bill and missed one payment, from installments set-up with XXXX 's XXXX billing department. I called to make a payment and was informed that the bill was sent to a Collections Company in XXXX XXXX. I was contacted after about 30 days as to where my bill was sent ; XXXX XXXX XXXX. I called one month to make a payment and was informed that my bill was moved again. Finally hearing from Transfinancial company, set-up payments. Unfortunately, almost year-to-date, I had the same XXXX again in XX/XX/XXXX. Again, I had more multiple bills, which I was paying on, and started paying on my second major bill in XX/XX/XXXX. Although, I was never late on this bill, it was also sent to Transfinancial XXXX.
At this point I did research and found out that your bills could be sent to Collections at any given time. I called Transfinancial to now pay on both bills and was notified that my First XXXX Bill was in " another department. '' I explained to the lady that I had the same XXXX again, which is why I missed a couple of payments. I was then told that I was not able to pay on the first XXXX because it was sent to " another department '' and I had to call that department in order to make a payment. So I called the " other department '' and the voicemail stated to " leave your name, case number and reason for call '' and also stating to not call more than once and give them time to call you back. I NEVER heard back from the " other department '' and allowed this to go on for 3-4 months. I followed up with the Lady, XXXX, every time I would call to make a payment on my Second XXXX ; $ XXXX/mo ( but sometimes I would pay more if I could ). XXXX would always apologize and state that she would " relay the messages. '' In addition, all calls were stated that they were recorded and I am confident in my statements. Nonetheless, I would call to pay on my second XXXX ( which is why that final payoff is much lower at {$1900.00} ..receipts uploaded ) and still inquire about the first XXXX and not hearing from the " other department. '' Later Part XX/XX/XXXX my family was affected by the XXXX XXXX flood which even affected me even more financially. however, I made payments on my second XXXX, while never hearing from the " other department. '' Early part of XXXX I found the address and physically went to Transfinancial to try to rectify the situation. I was told by the lady that my first XXXX was in the Legal Department and that I had a lawsuit against me. I then explained to her that I have been trying to pay on the XXXX for almost a year now with no response from her department and that every call should be recorded in their system documenting my attempts. Because of my frustration she told me that I could set up a meeting with the Lawyer through email. I sent him an email and have the responses uploaded in the complaint. He never tried to meet with me and pretty much told me I was never trying to pay and to pay it. Because I have always had a great Credit Score and take pride in my financial affairs, I paid off both surgeries in XX/XX/XXXX ( receipts uploaded ) and also underwent Credit Repair Couseling because the Collections caused my Credit Score to drop to mid 600 's.
The Surgeries were removed from my account but {$990.00} was applied to the first XXXX. Again, I went up to Transfinancial to inquire of the {$990.00} and was told it was " Court Fees. '' I told her that I was never served and she told me " it doesn't matter. '' I sought after legal advice and was advised to call the 'Clerk of Courts ' to see if I had any court dates or have ever been served. I called and was told that I am " no where in the system '' after explaining the situation. In my frustration an feeling helpless, I told my husband that at the beginning of XXXX I will pay the {$990.00} off with our tax return.
I went to Transfinancial in the beginning of this year to pay off the {$990.00} balance and was told by the Lady that I couldn't pay on the {$990.00} because my balance was actually " much higher. '' I asked her to elaborate and she said " you actually have more legal and court fees that haven't been applied yet. '' After I left, I realized that I shouldn't have paid those legal fees because I was frustrated with the run-around. I was then advised to reach out to my Credit Bureaus and file a complaint. Having my Dispute rejected more than once, the XXXX representative said that ultimately the Collector had to remove the Collection ; despite the evidence of me paying XXXX XXXX XXXX and despite Transfinancial deceptively placing the {$990.00} on my report as if it's the remainder of my bill. hearing my frustrations, the XXXX Representatiove advised me to file a complaint with CFPB ... and that is where I now am in this process.
There are multiple other complaints against this company and I feel that this needs to stop. I am not one to run from my financial responsibilities and this situation has been no different. Thank you so much for your time.
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| 04/20/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I'm writing this complaint and there is no third party company.
To whom may concern This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail. I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated several sections of this act by ( Affidavit attached ) : ( a ) Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) You proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).
I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Please be advised the demands in the cease and desist were not met. Attached with this complaint an affidavit of truth, Exhibit A marking each violation from your company, and all previous attachments sent to your company.
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, ( Law Attached ) therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.
On XX/XX/XXXX you have willfully reported an unverified and disputable debt to the credit bureaus. Which is a violation of the Fair Credit Reporting Act. I will state again in this certified CFPB complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt, and I must remind you again to not contact me in any way via credit bureaus or mail in reference to collecting this debt unless is to to invoke a specified remedy..
If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse.
I will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my REQUESTED remedy.
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| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Unbeknownst to me in XXXX or XXXX of XXXX ( or possibly even later than that ), a medical bill in my name was sent to my mother 's old house, an address at which I have not lived for some XXXX years. I am now XXXX XXXX XXXX, and I have lived at at least three different addresses since leaving my parents ' home in my early XXXX. Each time I moved I gave my new addresses to my doctor 's office to update my chart. My doctor 's office apparently updated their records but neglected to inform their own central billing office of these address changes. Consequently, a {$150.00} bill for blood work was sent to my mother 's old house ( at which she no longer lives either ) and I therefore never received it. I was reported to a collections agency out of XXXX XXXX Louisiana called Transfinancial Companies , LLC .
When Tansfinancial contacted me on XX/XX/XXXX, it was the first I had ever learned of any unpaid medical bill in my name. They erroneously told me that it was for a " hospital visit '' in XX/XX/XXXX, but I insisted I had not been to the hospital for any medical care at any time in XXXX. They persisted. I ended the call and immediately contacted the billing office at XXXX XXXX XXXX XXXX to find out what all of this was about. XXXX XXXX XXXX explained that it was a bill for blood work at my doctors office ( not the hospital ) for the meager sum of {$150.00} that my health insurance had not covered. I immediately issued payment in full on XX/XX/XXXX to hospital billing office. I was told at that time, that since I had paid it in full, I would experience no negative consequences to my credit score. XXXX XXXX notified Transfinancial Companies, LLC of my payment in full and they payment posted on or before XX/XX/XXXX.
On or about XX/XX/XXXX, more than a week after it had been notified of my satisfaction of this debt, and at least a week after my payment had posted, Transfinancial Companies, LLC reported me for non-payment to all major credit reporting agencies XXXX, XXXX, and XXXX, and possibly others, and I received a " major derogatory '' notice from my bank affiliated credit monitoring service. I called all three major credit reporting agencies and initiated disputes with each one. I also called XXXX XXXX XXXX XXXX to verify that all debts were paid and had been paid since XX/XX/XXXX. Finally, I called Transfinancial Services and explained to them for the second time that the non-payment was as a result of my doctor 's office 's negligence in failing to notify its own central billing office of my updated address that had been provided to them years prior.
The Transfinancial Companies, LLC representative I spoke to was very rude, refused to hear anything I tried to explain, and tried persistently to suggest that the failure to pay this meager {$150.00} charge was my fault, that it had been " delinquent '' since XX/XX/XXXX, and further implied that she had no interest whatsoever in whether I had actually received the bill or not, no interest in whether I had already paid it, and no interest in whether the bill was sent to the wrong address or anywhere else. The entire phone call left me with the clear impression that Transfinancial Companies, LLC intended to improperly report me for non-payment when I had already satisfied the debt in question, and that they had no regard whatsoever for the negative consequences that might flow to me and my family.
When I tried again to explain the mistake, the representative then indicated that she had no intention of helping me, and said that I would need to speak to the first representative that had called me back on XX/XX/XXXX -- the day that I paid the debt in full. She then placed me on hold, and left me on hold for more than an hour. I ended the call while holding as I was on my lunch break and was by that point already more than an hour late in returning to my office.
During all of this process, I also submitted an online inquiry to find out what could be done about this error, but no one ever reached back out to me in a timely fashion.
I find this conduct by Transfinancial Companies, LLC to be despicable. All I intended to do in making my call to them on XX/XX/XXXX was merely inform them of my formal disputes to XXXX, XXXX, and XXXX. In fact, I was instructed to do so as a courtesy and for good measure by the XXXX representative. Transfinancial " stonewalled '' me and acted as if I was wrong to do so. Therefore, I hope you will consider any reprimand against them that might be available to help curb such aggressive conduct, particularly when the debt has already been paid and when it was incurred due to a careless clerical error by the original debtor.
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| 09/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX, XXXX after obtaining a copy of my credit report I noticed several entries that needed to be verified/validated and removed from my credit report. On XXXX/XXXX/XXXX I mailed out a letter to XXXX explaining my concerns and since then I still have not received any documents verifying that the accounts are indeed mine and the negative entries are still listed on my credit report.
Letters were also sent to the Collection agencies and i still have have not received anything except a letter stating that the accounts are mine and they were proceeding with collections, no supporting documents were included in letter XXXX/XXXX/XXXX I mailed XXXX a second letter voicing my same concerns and since then the same accounts in question are still being reported on my report This is my letter that i have submitted to XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested DELETIONS or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Name of Account : Account Number : Provide Physical Proof of Verification Transfinancial {$810.00} XXXX UNVERIFIED Transfinancial {$190.00} XXXX UNVERIFIED Transfinancial {$100.00} XXXX UNVERIFIED XXXX XXXX XXXX {$180.00} XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED
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| 09/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX 2017 pulled/printed credit report for errors, submited letter to XXXX and Collection agencies and still have n't received any documents to validate that the accounts are mine this is my third request to XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested DELETIONS or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Name of Account : Account Number : Provide Proof TFC {$410.00} TFC {$690.00} TFC {$690.00} ( DUPLICATE ACCOUNTS ) XXXX {$3000.00} XXXX XXXX {$740.00}
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| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Servicemember |
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I love the service given to me and appreciate it greatly, however, I think there is very unfair creditors that posted I owe medical bills and a telephone bill that been there for some years and I never knew they existed. The companies say they informed me but I gave them my XXXX info at the time there and was led to believe that it was all taken care of. My parents witness that I never received a letter, email, or call to let me know of the debt and I may be subject to it be filed to my credit report. I believe they supposed to warn me about potential harm to my credit before just posting it and let it sit there for some years before I noticed and by then its too late, my report is ruined, I am forced to move in with my parents because I can not get a loan or credit card even a vehicle all because of these discrepancies that I never knew about other wise I would have taken care of it. I have no vehicle, Im a XXXX XXXX veteran and suffer XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX, and more on 15 meds three times a day. I am hospitalized regularly. I see a XXXX and my doctors monthly and unable to leave our home much less work. I havent worked in years and have no money anyway but perhaps Id be able to establish credit, get my own home, car to go to the doctors or for emergencies, I am often hungry by the middle of the month with my meager benefits and XXXX $ of Foodstamps. All I am wanting to do is repair my credit, that I had no hand in ruining, and live normally instead of XXXX years old with his elderly mom and dad in a falling down house which rains in and literally falling apart because we cant afford to eat much less fix the home we dont own in the first place. We have nothing and living in poverty and Id like to change that maybe put my parents into a safe comfy home instead of this fire trap that I fell through the floor in recently. That may kill an older person. We been beaten down by numerous hurricanes and can not evacuate when told to, cant travel no money no cards or loan options to get a vehicle and gasoline. I really am uncertain of out near future the rate its going. I come home from the military with a stolen identity and hacked to the point I thought I was losing my mind and XXXX XXXX four times ending me in XXXX XXXX XXXX XXXX four times for 15 day stretches. I have far more pressing problems without a cure than to be worrying about a bill I never knew about, a bunch. All the hard inquirys were not me doing that Im smarter that that. I know not to constantly get hard inquiries but I had no reason too until life started killing me. It is just unfair and my four lawyers plus XXXX XXXX agrees with me that an XXXX veteran suffering XXXX from service so that they can ruin my credit. I am not asking for much here I just want to live comfortably and not hungry all the time. Not knowing if well have a roof over our heads tomorrow or where our next meal will come from is not a good feeling and no one should have to feel that kind of pain of helplessness. So many hard inquiries that I never even heard of. Maybe four were mine over the years. Another thing I financed a 60 tv rent to own, a laptop, and now an air conditioning unit and always on time but not on here. I even pay my phone bill every month and dont use my bank to pay so idk how to get that on my credit report, a little good cant help or hurt I recon. One of the addresses for me is wrong too. Please I just want fair treatment, a fighting chance to show what i am capable of because if I hadnt had all these problems my credit would be spotless 200 % Could yall help us?
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| 07/18/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , Trans XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
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| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Transfinancial Companies and the McCarthy Law Firm, XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX ; Tel : XXXX, have been attempting to collect an alleged medical debt for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. Upon notice from Transfinancial, I responded on XX/XX/XXXX with a written dispute of the alleged debt and provided written requests from XXXX, XXXX and XX/XX/XXXX to XXXX XXXX XXXX requesting information regarding the alleged debt that went unanswered. On XX/XX/XXXX, Transfinancial mailed me an invoice from XXXX XXXX XXXX as proof of the alleged debt. On XX/XX/XXXX, I again sent written dispute of the debt stating that an invoice was not proof and requested verification of my debt including a copy of my signed agreement to pay for the alleged services as well as further information about credits from my insurer that appeared on the aforementioned invoice as any insurance payments should have precluded XXXX XXXX XXXX from charging me any additional costs due to their agreement with my insurer. Transfinancial did not respond to my request or dispute. On XX/XX/XXXX, I received a collection notice from Transfinancial. On XX/XX/XXXX I again sent a written dispute of the information and notified Transfinancial that they were continuing to violate my rights under the FDPCA given their lack of response to my previous requests for verification and continued attempt to collect. On XX/XX/XXXX, I received a notice from Transfinancial that they received my dispute and would cease activities until verification could take place, which they stated included removing or avoiding reporting of negative information to the credit reporting agencies. Transfinancial has not provided any further verification or response to my dispute. On XX/XX/XXXX, I received notification from credit monitoring agencies that Transfinancial had placed negative information on my credit report. I immediately sent notification to Transfinancial that they were continuing to violate my rights under the FDCPA due to their lack response to my requests.
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| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 04/27/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I would like to submit a complaint against ( Transfinancial Companies ) regarding unknown medical account ( s ) XXXX for {$200.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Transfinancial Companies ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( Transfinancial Companies ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Transfinancial Companies ) reporting on my credit report ( s ). ( Transfinancial Companies ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Transfinancial Companies ) claimed to be collecting for the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Therefore, ( Transfinancial Companies ) have violated several state laws, FDCPA and FCRA. ( Transfinancial Companies ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before Transfinancial Companies reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect for medical account ( s ) that were already paid by insurance and/or XXXX.
These erroneous entries by ( Transfinancial Companies ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
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| 03/08/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.
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| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My son went to XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX. The ER clerk coded as MV accident, insurance denied it. He fell and had to get stitches in his lip. Not a MV accident. Then they resubmitted through to the correct insurance XXXX primary XXXX health secondary. I got a bill XX/XX/XXXX which I then called was told they did not have XXXX information they would resubmit. XX/XX/XXXX XXXX paid the whole claim except for the XXXX which was deductible. I was told they would re submit for XXXX XXXX to cover the XXXX Fast forward to XX/XX/XXXX I get a collection on my account for XXXX for transfinancial in XXXX XXXX Louisiana XXXX.
No new bill nothing asking to for the money for me to call them since XX/XX/XXXX. I really though it had been taking care of.
When I call transfinancial employees are so rude and not helpful at all. I have begged them to put me on 3 way with XXXX XXXX XXXX XXXX physicians groups office that does lanes regionals billing. I call XXXX XXXX XXXX XXXX XXXX they dont show me owing that much they show the BCBS adjustments they dont show me owing XXXX they are waiting on XXXX XXXX which I have spoken to and they still havent got the claim yet for the XXXX They have all the notes Im stating. I dont know what to do. If I owe the XXXX fine Ill pay it. But XXXX has sent me explanation of benefits they have done there portion This one account dropped my score XXXX points I have been working on building and correcting.
Please help.
Just so frustrated this shouldnt have even went to collections and now Im feel like Im stuck no one wants to help but companies keeps saying its the other one.
Please please help frustrated mom.
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| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). Trans financial ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX '' and XXXX XXXX ( which was account transferred from " XXXX XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX XXXX XXXX XXXX '' and I have never done any business with XXXX XXXX ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. Trans financial, just contacted me on XXXX 2018, a year and one month, after the account, was placed on my credit file. As for the XXXX XXXX account. I have no knowledge of this account, what so ever and it is not my account, nor has XXXX XXXX, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act.
As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
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| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Transfinancial Companies is reporting an unknown medical account ( s ) XXXX in the amount for {$120.00} ) on my credit report ( s ). I mailed Transfinancial Companies a registered and tracked letter via the United States Postal Service on XX/XX/2018, requesting validation for the debt/account ( s ). More than thirty days have passed and Transfinancial Companies has not responded to my request for debt validation for the account ( s ) their company is reporting on my credit report ( s ). Transfinancial Companies has not responded to my letter requesting debt validation but continue to report the unvalidated/unverified account ( s ) on my credit report ( s ). In addition, Transfinancial Companies placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Transfinancial Companies never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ) .Moreover, I have always retained medical insurance. I contacted my medical insurance carrier and the original creditor regarding the account ( s ) /debt in question and was told by both that I did not have any outstanding medical bills that were not paid in full.
Transfinancial Companies is causing me injury and is harming me emotionally, physically and financially and causing me mental and emotional stress and anxiety, which are exacerbating and aggravating my current medical issues.
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| 06/26/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
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| 02/16/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XXXX of last year a {$60.00} collection suddenly showed up on my credit file and I immediately contacted the collection agency " XXXX '' about the account. I was immediately informed that the address they had on file was not the correct address and the letter they sent to me never got to me so that I could pay the bill before it ever went to collections and reported on my credit report. The agent agreed and it was understood that as long as I paid the {$60.00} account they would immediately remove the account from my credit report due to not having the right address on file. This conversation took place on XXXX XXXX, XXXX and I was told it could take up to 30 days. As of XXXX XXXX, XXXX the account had still not been removed from my credit file so I called them back and spoke with XXXX, the supervisor and she ensured me the account would be DELETED from my credit file within the next 24-48 hours and if not to call back as well as she would be sending me a letter. Here we are XXXX XXXX, XXXX and I 've called twice and left messages and have yet to have anyone call me back and the account is still listed on my credit report. I am in the process of purchasing a home and this is hendering my score. I only want them to keep their word as I did mine when I paid them.
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| 12/31/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 I received letter from Transfinancial Companies , Inc. trying to collect {$120.00} they claimed I owed to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX, so I called and talked to the bookkeeper at XXXX XXXX XXXX. She said I did not owe this bill. I then called the billing company of XXXX XXXX XXXX. The agent said I did not owe this bill.
I then called Transfinancial at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX on1XX/XX/XXXX. After 10 minutes on hold a message said to leave a message as all agents were busy and could not answer, so I left a message No one returned my call.. The next day, XX/XX/XXXX, I called again with the exact same results. Again, the next day, XX/XX/XXXX, I called again with the same exact results.
I do not believe I owe this bill. I wrote and asked Transfinancial to send me the Date-of-Service, verification of the debt or a copy of such judgment or verification, and the name and address of the original creditor.
My calls to Transfinancial were attempts to get some information ... especially the Date-of Service. However it they will not answer the phone or return phone calls, they are likely to deny they ever received my letter requesting the information listed above.
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| 04/25/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I was called by a representative of Transfinancial Companies ( I know this because I reverse-searched the number that called me ) on the cellphone that I use for work during my office hours. The representative refused to self-identify, asking me to provide personal information without providing a basis for doing so. The dialogue was approximately as follows : Rep : Hello is this XXXX XXXX?
Me : Hi, who is calling?
Rep : No, is this XXXX XXXX?
Me : I'm sorry, who is calling? and what company are you calling from?
Rep : NO. Is this XXXX XXXX or not?
Me : Ma'am, you are required to self-identify your name and company. Who is calling and what company are you calling from?
XXXX : NO -- At that point, the rep hung up on me. This was during my work day, and it caused considerable distress to have such a forceful and rude call starting my morning at XXXX XXXX in my office. It is unreasonable to call during workhours, and causing anxiety by asking for personal information without identifying cause or person is also unreasonable.
I have contacted their employer and asked for the name and other applicable identifying information that could be used to track the call.
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| 08/06/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX agency is Transfinancial Companies representing XXXX XXXX XXXX, the amount billed is {$680.00} and {$290.00}. The dates of service is XX/XX/XXXX. I have spoke directly to Transfinancial Companies whom directed me to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke with the Business Director, XXXX XXXX, she stated " she does not what to do what to do with the bill ''. I'm disputing the bill because at that time I was a prisoner at XXXX XXXX, I was brought to the hospital after being arrested not at my request but because the officer assumed I needed care after previously having a XXXX that I was already treated for at another hospital 2 days before my XXXX. During the hospital visit I refused service with signed documents that the billing office viewed and still chose to bill me for services that were not rendered and also given without my consent. My point of contacts were XXXX XXXX at ( XXXX ) XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. I feel that I should not be held responsible for the bill being that I was not brought to the hospital as a XXXX, also I denied treatment with proven documentation.
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| 08/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Transfinancial Companies. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
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| 05/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
15 U.S. Code $ 1681c-2a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. It has been over 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed immediately.
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| 03/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX XXXX has been placing a debt on my credit reports since XX/XX/2016 of a bill that is not mine. I have called billing and even sent them a cease and desist order. They in turn send the bill to the collection agency of Transfinancial last year and removed it and now as of XX/XX/XXXX it is back on my credit report as a collection. This is not my debt but a debt of someone else. I called XXXX XXXX XXXX XXXX XXXX billing and they said they removed my name from the bill but will not contact the collection agency to have the bill removed. I asked them for a letter stating the account was being removed from my name and they refused to send me a letter. I called the collection agency and they stated they refused to remove the bill from my name even though I explained to them it is not my bill. The representative told me that she was not removing the bill and said she was going to ruin my credit. I told her that that was not legal and I worked for a law firm and advised her that her company could be sued for purposely not removing the account that is not mine.
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| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Transfinancial Companies has failed to VALIDATE account. This is a medical collection in which I am not aware of, and I want it removed from my credit file. I have filed a complaint with the better business bureau on XX/XX/XXXX, and their response was our records indicate that we received your request for validation. Our office researched and validated your account on XX/XX/XXXX to the address on file. That is not true. I have never received any validation with my signature on anything.
I sent in a dispute in XX/XX/XXXX and requested that they provide me with documentation with my signature that was signed to VALIDATE that the debt is mine along with a signed HIPAA consent to release my medical records, and I have yet to receive the documentation Ive requested. Sending an itemized bill isnt a VALIDATION of debt. Transfinancial Companies is practicing illegal debt collection tactics and is causing tremendous harm to my credit report. If they do not delete this inaccurate information from my credit file I will pursue legal action against this collection agency.
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| 01/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/2020 I mailed a letter requesting that my debt with Transfinancial Companies be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.
1. A detailed and itemized statement of ALL activity to this account.
2. A contract bearing my signature that binds me to the debt.
3. The photo identification I must have provided at the time of starting services.
4. An itemized statement breaking down the balance you claim I owe.
5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account.
The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.
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| 12/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I noticed a debt on my credit report from this collection company, Transfinancial in XXXX XXXX, for {$150.00}. I contacted them to pay and was repeatedly yelled at and hung up on by a female employee. I then contacted the hospital directly and found out there were XXXX debts, ( XXXX for {$150.00} each and XXXX for {$210.00} XXXX, totaling XXXX. I paid {$300.00} on XXXX XXXX and {$210.00} on XXXX XXXX, 2015 directly to the hospital since multiple attempts to pay the collection agency failed.
When I paid {$210.00}, I confirmed with the hospital that Transfinancial will be notified of the payment in full that day in accordance with their policy.
Yesterday, ten days after paying all debts, Transfinancial posted on my credit that the account totaling {$210.00} was seriously past due and in collections. This debt has never been posted on my credit when it was actually due. It is incorrectly and illegally posted since the debt was paid in full and the posting was after the debt was reconciled. This should have never posted in the first place.
|
| 09/06/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Transfinancial can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the XXXX visit. The failure of XXXX to get paid is their own doing.
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XXXX XXXX. Thus, this should be removed from my credit report according to the FCRA.
Lastly, I never received a bill from XXXX XXXX or Transfinancial. Per my discussion with them in XXXX XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question.
The attached documents clearly show that the hospital was paid. Therefore, if the XXXX company had done its proper due diligence, they could have been paid as well. Thus, TransFinancial did not perform proper due diligence to verify the legitimacy of this debt.
|
| 04/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I went to the hospital complaining of XXXX of XXXX and XXXX XXXX in XX/XX/2016. I stayed 3 days and was treated for XXXX and XXXX. A year later I received a bill. I immediately contacted the hospital and my health insurance carry to get an explanation of why the bill was denied. However, the representation informed me the appeal process time had passed and it was nothing they could do to assist me. Furthermore the claim was denied with 24 hours of me getting admitted of which I was not informed. I recontacted the billing department at the hospital and was told to email the billing supervisor of which I did but no response. I said that to say if I would have received a bill in time enough I could have appealed my health insurance decision. This bill has now been place in collections with Transfinancial Collections and the hospital has no records of the bill because its no longer in their system. I have never did any business with transfinancial company and I believe this is a HIPAA violation.
|
| 12/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was notified of XXXX {$150.00} medical debts filed on my credit report by Transfinancial Companies. I made several attempts to pay the bill to Transfinancial. I could not complete the payment as the employee refused to stop yelling across the phone, despite notifying her of my XXXX and repeatedly asking her to help me. I paid {$300.00} on XXXX XXXX, 2015 directly to XXXX XXXX XXXX Hospital since Transfinancial was incapable of receiving payment.
I made complaints to XXXX XXXX XXXX Hospital business office regarding the conduct of their sub-contractor, collection agency.
As of today, Transfinancial has failed to report both accounts paid in full. They are maliciously not reporting accurate information on my credit report. I feel that this is in retaliation for the complaints made to XXXX XXXX XXXX Hospital.
This is also in connection with, but separate from, another complaint I filed with Consumer Finance Protection today in regards to Transfinancial Companies.
|
| 02/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
On a complaint I submitted to the CFPB on XX/XX/19, about A hospital, XXXX XXXX XXXX XXXX, violating the privacy act by sending a detailed bill of procedures performed, as well as my full medical records, including XXXX XXXX to THIS third party collection agency, TRANSFINANCIAL COMPANIES.
They responded by stating that They are " business associates " of the hospital.
Which proves they are claiming the right to obtain my medical records.
Under HIPPA, the only persons who are covered to obtain my medical records are PHYSICIANS for the use of TREATMENT. NOT for debt collection.
Procedures are to be kept PRIVATE.
Only BILLS with amounts, dates, names, addresses, and social security numbers ONLY, are to be shared for debt collection.
They admitted that the information shared THROUGH MAIL, was protected under HIPPA.
This is a CLEAR VIOLATION of privacy.
I have already reported the hospital who sent my records as well as this company to the State General Attorney.
|
| 05/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX and XXXX is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX.
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt.
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I entered a consumer credit transaction with the alledged original creditor that this third party debt collection is alleging I owe and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. as a result, TRANSFINANCIAL are now threatening me for an alleged debt that the purchased from the alledged original creditor. I never received a Material Disclosure of any of the information that was supposed to be provided to me. TRANSFINANCIAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
|
| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Transfinancial Companies has been reporting improperly on my credit reports on multiple occasions. After being asked to verify information of the debt the company provided me with the incorrect social information on the debt and the records of validation. The company then removed one of the accounts and left the other account on my credit report in the amount of {$940.00}. I have repeatedly requested that the company remove this incorrect account from my credit reports as it is not mine. The company also placed the same account in the amount of {$940.00} with the same account number as a new account on my XXXX report as a new account with the company. As it stands on my XXXX report I have two separate accounts for {$940.00} with the same account information and account number that has the incorrect social security number on them, verifying that the account is not mine.
|
| 04/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt is should not be reported on my credit reports. I stopped seeing this Doctor at XXXX Hospital in XX/XX/2012. My life was in jeopardy and so was my unborn child. I never got to see the Doctor only the Nurse Practitioner. I was XXXX years old had XXXX. I was 5 or 6 months into my XXXX and these care givers had not even referred me to a XXXX doctor. On several occasions that I visited the office my Dr. that i was supposed to see would be setting in her office drinking coffee!! Before changing DRs I had been making extra payments that were arranged by their office to meet my insurance deductible. In XX/XX/XXXX I decided that this staff did not have my best interest at heart and switch Drs at this time all payments were made to the XXXX Hospital I had a XXXX balance. The Drs would not allow me to even see the Dr I was previously seeing before I became XXXX!!!!
|
| 08/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted Transfinacial Companies on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to Transfinancial Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with Transfinancial Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Transfinancial Comapnies are in violation of the FCRA. I have attached the letter i sent as well as a itemized bill and Transfinacial Companies response.
|
| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
UponpullingmycreditreportsIfoundthatTransfinancialhadplacedtwoaccountsintheamountsof{$940.00}and{$330.00}onmycreditreports.IthendisputedthisinformationwiththecreditbureausasIbelievedtheinformationwasinaccurateandwasnotavalidaccount.Despiteseveralattemptstovalidatetheaccountthecompanydidnotvalidatetheaccount.Ithenhadtofileacomplaintforthemtosendvalidationoftheaccount.UponreceivingthevalidationoftheaccountsInoticedthatthecompanyhadviolatedmyHIPAArights.Ithenagaindisputedtheinformationwhichwentunanswered.IhavefiledapreviouscomplaintonXX/XX/2019towhichthecompanyrespondedonXX/XX/2019thatIwouldbereceivingaresponsein30days.Ihavenotreceivedanyresponsefrom.thecompanyasofyet.ThecompanyisreportinginformationwhichisviolatingmyHIPAArightsandhinderingmyprogressionforbettercredithealth.Iwouldliketheseaccountstoberemovedimmediatelyfromallthreemajorcreditbureaus.
|
| 03/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they ( Credit Bureaus ) stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the amount of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.
|
| 02/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020 I mailed a second letter requesting that my debt with the company above be validated. I have no knowledge of this debt.The creditor provided me the attached information. They have refused to provide me an agreement between them and their client that identifies that they have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of alleged debt. They have not provided an agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization.
The attached has information that is a VIOLATION of HIPAA because i have never given SIGNED authorization to Transfinancial Companies to gain access to my health records. The attached includes diagnosis codes and procedure codes that is a direct violation of my HIPAA rights.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX has a medical debt opened on XX/XX/2020 for a balance of {$290.00} reported as three different collections with each having their own account number. This is fraudulent, there is only one collection and I disputed it at least twice and each time I dispute the error the debt collector reports it again under a different account number adding another collection on my report for the same debt. Neither XXXX nor Transfinancial Companies will take accountability for this fraud. This is willful and intentional fraud and violation of the FCRA and my rights by both XXXX and the debt collection agency known as Transfinancial Compaines based out of XXXX XXXX Louisiana This is hurting my credit and my lending ability and I want them both held accountable and punished I will pursue a Federal Lawsuit if this is not resolved
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The company XXXX placed XXXX accounts on my credit report in the amounts of {$710.00} and {$950.00}. After multiple attempts to get validation of the accounts, the creditor, debt collector, and credit bureau has failed to provide proper information. I only received an Itemized summary of debt owed from the creditor, but no contractual agreement. XXXX of the summaries didn't even provide the full name of the debtor or a signature from the creditor who sent this account to the debt collector. I asked for proof of verification from the credit bureaus and they continue to verify without supplying me with anything but a copy of my credit report. They have failed to provide proper validation of these debts under the FCRA regulations. I ask that these accounts be removed promptly as it is impacting my creditworthiness.
|
| 07/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT.
PLEASE SEE DOCUMENTS ATTACHED!
Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt.. Under the Fair Debt Collection Practices Act, I requested that the company allow me to validate the alleged debt by providing me with a breakdown of all charges, dates of service and procedures given including fees associated. Transfinancial failed to supply me with rightful information attached is the copy of letters that were sent to TRANSFINANCIAL and the letters sent back to me.
|
| 01/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the XXXX of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 I called the debt collector and inquired about information on all 3 credit reports. I asked about the amount on my report and informed the lady XXXX XXXX that i had insurance at the time of service. The original service place was XXXX XXXX XXXX hospital informed me at the time of service that everything with my insurance had been verified and I was only responsible for my co-pay which was only {$25.00}. I payed that amount each time I was seen. I called XXXX companies and asked about the price and could she send me proof and also if I was responsible could they offer a settlement amount and pay for delete. In the conversation the lady XXXX informed me that I owed a total of {$760.00} that was incorrect!! From what I seen on my report it showed {$560.00}. This is false information.
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
|
| 08/23/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.
|
| 02/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX//2019 A LETTER was sent to me in response to a dispute of Validation of Debt.
XXXX XXXX XXXX HOSPITAL Willingly sent my medical records to a 3rd party collection agency.
IT AGAINST HIPPA LAWS to willingly share patient medical records in an attempt to collect a debt.
Furthermore, the medical records were sent WITHOUT A SIGNED HIPPA RELEASE FORM.
This is in violation of HIPPA as well as in violation of the FDCPA, in regards to the collection agency, XXXX XXXX, sending my medical records through the mail.
I AM MORTIFIED! that something like this has even taken place. This is a breach in doctor/ patient confidentially.
As well as a derogatory attempt to collect a debt.
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I originally corresponded with Transfinancial Companies on XXXX2022 requesting proof of contract, all original documentation with my signature, also providing a contractual obligation directly between myself & Transfinancial Companies and I have not received it. Transfinancial Companies is reporting that I owe a " Medical Debt '' to them for the amount of {$1100.00}. I have NO contractual obligation to Transfinancial Companies, never the less a medical debt obligation. This a clear breach of my Hippa rights. Transfinancial Companies should NOT be in receipt of my medical information, nevertheless reporting to my XXXX, XXXX XXXX XXXX reports such a fraudulent medical account.
|
| 11/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Discovered my credit report XXXX TransUnion, Experian, and Equifax XXXX all displayed a collection amount of {$250.00} that was opened on XXXX XXXX, XXXX. Original creditor is XXXX XXXX. Having no knowledge of this account or what their service even is, I disputed this collection with all 3 bureaus in XXXX of XXXX and it has been removed from XXXX and XXXX. However, XXXX suggests the collection is indeed mine. I have never received documentation either via mail and no attempts to collect via phone either, leading me to believe that this company does not have my contact information which would suggest I have no relation to them and do not owe this debt.
|
| 03/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to Transfinacial Inc in regards to XXXX XXXX XXXX requesting that they Validate NOT Verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation proving that this debt belongs to me. I have had no direct response and I have contacted multiple times on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX I got a billing ledger in the mail which does not prove that I am obligated to pay them anything. They have consistently continued to report delinquent information sinceXX/XX/XXXX to the credit bureaus which is negatively impacting my score and I am asking it to be deleted.
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed the information through the credit bureaus for the company XXXX XXXX. They have done an investigation that resulted in them removing the accounts from XXXX but left the account on XXXX report. The company has failed to submit proper documentation of the debt several times. The company is blatantly ignoring my requests and leaving the incorrect accounts on my XXXX report. The company is violating my rights and causing blemishes to my credit report with in accurate information. The account is duplicated on my XXXX report as well for the amount of {$78.00}. The account should be removed promptly from my XXXX report.
|
| 07/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I previously wrote the following Creditor Transfinancial Companies to validate a debt they stated I owned them. Dated XXXX XXXX, Transfinancial Companies sent me my Medical Treatment Record Account from XXXX XXXX XXXX in the amount of {$1900.00} on the Treatment date of XX/XX/2020 for " CRITICAL CARE FIRST HOUR. '' On my patient service bill it states that " These charges are for the services rendered by the emergency dept physician at XXXX XXXX XXXX XXXX. '' I know that this is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Transfinancial Companies to have access to my information.
|
| 07/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2017 I sent a debt verification notice to this company in the amount of {$550.00}. As a result this company has not sent any responsed by any means which is almost a year later. I also recently sent this company another verification this month. Likewise this debt is not mine since noone at the company replied. ( All letters sent to this company has been certified mail and someone had to sign for all. There letters has been marked as getting to the companies ) This company seem to ignore all request unless making payments. I can provide proof of all letters and certified mail proof if need be. Thanks in Advance
|
| 04/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transfinancial Companies is reporting two accounts on my credit report in the amounts of {$680.00} and {$540.00}. I have tried to dispute this inaccurate information before as I believed the accounts were not mine and had been placed on my credit reports in error. The company did not send me any form or proof of the debt and continues to report on my credit file stating it meets FCRA requirements. I am entitled by law to receive the validation of this debt as I do not believe it is mine. The companies investigation did not provide any documentation of this debt nor did it resolve the issue that I presented to them.
|
| 02/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.
|
| 03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have tried several times to dispute inaccurate information from Transfinancial Companies. They have listed two accounts one in the amount of {$940.00} and the other in the amount of {$6600.00} placed on my credit report which I have tried to dispute with the company through the credit bureaus. The company has said the information is correct without any documentation to support the statement. They have not provided any validation of the debt to me. They company has placed this inaccurate information on my report and does not want to follow the proper guidelines for credit reporting.
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/ I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XXXX XXXX XXXX by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/2021 I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XX/XX/2021 by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.
|
| 06/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This Transfinancial collection agency has XXXX accounts on all XXXX of my credit files. I requested validity of the debt over 30 days ago and have n't received any information but they are verifying with the credit bureaus that the debt is true. They are not following the FCRA laws put in place by the federal government. I have a right to copies of my debt especially if I 'm disputing I never owed the original creditor. I 'm disputing with you all so I have grounds for civil action against them. This is my second attempt to get a resolution with this company.
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have made several complaints and sent in all requested information to this company and they still are reporting inaccurate information on my credit reports! This company is using an inaccurate social security number on these alleged medical bills. Transfinancial Companies has continued to report the accounts in the amounts of {$940.00} and {$330.00}. This is outrageous that this company has been allowed to continue to deface my credit report with incorrect information. This is against FCRA rules and regulations and should be removed immediately.
|
| 08/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Upon pulling my credit reports the company Transfinancial had placed two accounts in the amounts of {$940.00} and {$330.00}. Upon asking the company for validation of the account the company responded sending protected medical information. After further review of the information sent although a grave HIPAA violation, I also realized that the social security number does not match mine. The social security number is that of someone else and the accounts have been placed in error. These accounts need to be removed immediately due to this error.
|
| 06/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
|
| 05/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Upon retrieving my credit report I found that Transfinancial Companies had placed an account in the amount of {$940.00} and then said the would send validation of the account after requesting this information several times. Once I received the validation of the account it was a gross violation of my HIPAA rights. I did not sign anything in order for my personal medical records to be released to this company or any other company. With such a violation I would ask that the account be removed immediately from my credit reports.
|
| 09/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Upon pulling my credit reports I noticed that I have two accounts with Transfinancial Companies on my credit reports in the amounts of {$1100.00} and {$1200.00} reporting. I have disputed this information on several different occasions asking for validation of this debt as I think that there is an error in the companies reporting these debts. The company has failed to provide any validation of these debts under the FCRA regulations. I would like these accounts to be removed promptly as it is impacting my credit worthiness.
|
| 01/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Been calling Transfinancial no call back sent information asking them to verify the debt showing that I signed a contract with them when I know Ive never been to Transfinancial. I received a email saying the account will be removed from my credit report until a investigation is complete. No results yet from Transfinancial. I want this removed off my credit report. Been calling with no response from anyone and they leave me on hold a hour at a time. I only have gotten a email and the situation still hasnt been resolved.
|
| 01/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This is supposedly a medical debt I owe. Per HIPPA federal GUIDELINES on HHS.gov it clearly states medial information is not to be shared to a third party. I NEVER gave anyone permission to obtain my credit information, name, address, or anything about my medical record. This must be removed or they are in violation of hippa compliance, I am submitting a complaint to HHS.gov and the public should know the truth about this collection agency.
Collection/Chargeoff {$1900.00} XX/XX/2015
|
| 06/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called company XX/XX/XXXX received a notice about debt I never received a bill showing that it was my debt and when I ask for bill because I needed to verify that it was my account I was told it needed to be paid in full and I couldnt get a bill I needed to contact company.i was also advised that when I called back I needed to make a payment and they dont accept settlement amounts .the billing date was XX/XX/XXXX and debt just showed on report XX/XX/XXXX XX/XX/XXXX
|
| 10/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transfinancial Companies are reporting medical bills on my account multiple times. I submitted a validation letter and they sent me information back that clearly violates my HIPPA rights. This company does not respond to request and continues to say they verified my account only from my name and social. This type of activity is harmful to my credit reports and their debt collection practices are unethical.
The accounts reporting are for XXXX, XXXX, XXXX and XXXX.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to my knowledge I do not recall this account with XXXX XXXX XXXX. I need this problem fix asap. I did not receive a HIPPA release form from TransFinancial Companies also I did not receive any application with my written signature. There for this debt is not mind.
|
| 08/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A certified letter was sent to Transfinancial Companies on XXXXXXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts & Violation of HIPPA. Transfinancial Companies has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attatched document.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
A certified letter was sent to Transfinancial Companies on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Transfinancial Companies has ignored the complaint, failed to adhere to the requested information per the law & failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
|
| 08/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I sent two debt validation letters to Transfinacial in regards to two medical collections that are reporting on my credit report. Instead the company sent me a detailed list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
|
| 06/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, XXXX account, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
|
| 03/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter 2 account of times on the XX/XX/2021 and XX/XX/2021 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my clients file and cease all collection activities immediately.
|
| 06/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt. Transfinancial failed to supply me with rightful information.
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Transfinancial has ruined my life. Ive been reaching out to them for months. They keep reporting the same medical bill on my credit report twice. Same date same amount, I have proof.they are violating 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.
|
| 09/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1. notified and disputed this item with XXXX XXXX XXXX XXXX and XXXX via certified letter on XX/XX/2021 stating that this information reported by Transfinancial was not valid and requested immediate removal from my credit reports.
2. notified Transfinancial , Inc via certified mail dated XXXX/XXXX/201 demanding validation of debt and permanent and quick removal from XXXX XXXX XXXX XXXX and XXXX credit reports
|
| 08/03/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Transfinancial is open on credit report for {$5900.00}. I called Transfinanacial to check balance on account, I was told my account was open and theres no balance. They stated that they wasnt reporting the account. I called XXXXXXXX XXXX, I was told the same as well. I can not get another property in my name due to this reporting being inaccurate. The communication with both parties happened in XX/XX/2023.
|
| 02/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.
I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.
I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.
PLEASE HELP!!!
|
| 09/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX, was working for XXXX XXXX XXXX XXXX XXXX XXXX through a temp agency called XXXX XXXX ; and I was injured while working. I used my insurance, from XXXX, to be seen by a doctor at the hospital I was working at.
I was wrongfully charged for it.
I disputed it. It came off my credit report. Easy peasy, right?
Well, they sold the debt and this new agency put it back on my credit report in XXXX.
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transfinancial Companies placed collection accounts on my credit reports claiming that I owed the company. I disputed this information and asked for validation of this debt and none was provided to me in any form. The company proceeded to remove it from my XXXX report but left it on the other credit reports. I would like for them to remove this invalid information from all credit bureaus.
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.
|
| 01/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Transfinacial is reporting on my credit report for a medical bill in the amount of XXXX. Ive asked them to validate the debt and send me a contract with my signature and any procedures Ive had with them. Ive never been to transfinacial or had any dealings with them. Since they cant validate the debt with my signature or nothing else I want it removed from my credit report
|
| 03/21/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Upon looking at my credit report ( XXXX ) i noticed that transfinancial co. added a debt to my report that was in fact already reporting. Therefore they duplicated the same debt. Causing my credit score to drop significantly. I have also sent them a certified letter stating that i would like debt validation from them not verification and have yet to receive a response.
|
| 11/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
TRANSFINANCIAL was notified that this is not my debt. despite my request to prove to me that I owe them this money and their failure to proved this documentation, they have falsely reported this information to the credit reporting agencies. This needs to be removed from all bureaus immediately failure to comply will result in my seeking legal remedies.
|
| 06/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/2020 Transfinancial XXXX This company continues to call, allow the telephone to ring twice and then disconnects. I'm not sure if it is a robo call or live representative. This is harrassing and it is really not an attempt to collect a debt. How if they are only allowing rings. By the time someone reaches the phone, they have disconnected.
|
| 01/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2018, I mailed a Validation of Debt Letter to the debt collector, TRANSFINANCIAL INC.
Stated in the letter, I asked for Original contract signed showing the reason for debt, and calculations of Debt.
I have NOT received a response. It has been 30days.
I have mailed a certified letter to the address reported to the credit bureau.
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I sent TransFinancial Companies, LLC a Certified Letter asking for them to Validate a Debt. The company failed to Validate my Debt, instead they sent a list of my Medical Records which I know is a direct VIOLATION of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this Information.
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I SENT 2 LETTERS TO XXXX ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF TRANSFINANCIAL , INC.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.TRANSFINACIAL ARE REPORTING DUPLICATE ACCOUNTS WITH XXXX AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX PD onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.
|
| 05/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
you are violating my consumer rights!!! I FEEL VERY HARASSED AT THIS MANNOR!!
15 USC 1692g ( 2 ) states that Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
on XX/XX/2020I sent 2 dispute letters to transfinancial, inc for a violation that is reporting on my credit report. XXXX XXXX XXXX IS Sharing my content with TRANSFINANCIAL without my consent.This is a violation of the Hippa Law and I would like for these accounts to be removed.
|
| 03/24/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
For every Bill I received I have made a payment. About a year ago I stopped receiving bills, and have not gotten a phone call email or letter about this debt. I did not know this debt still existed until I found out from my credit report that I have an account in collections.
|
| 09/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX as a result of not being my debt. The account balance of the debt is {$990.00}
|
| 01/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.
however two of the major credit bureaus refuse to take them off. ( XXXX XXXX )
|
| 05/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transfinancial Companies placed an account on my credit reports in the amount of {$330.00} and after several attempts to get validation of the account the company has failed to provide said information. I would like the account removed promptly from my reports.
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
|
| 03/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill.
Please help.
XXXX XXXX
|
| 12/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX is reporting on my XXXX as multiple accounts when all these accounts was discharged in bankruptcy. I want them to remove these. I have called them on multiple accounts to only get they ca n't do anything about it
|
| 10/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
date: XX/XX/2018
amount: $ XXXX
violation: 12 C.F.R part 1022 Subpart D
Section 604 (g) 15 U.S.C. 1681b (g)
section 609 (c)(1)
section 604 (b) 15 U.S.C 1681 b(b)
|
| 05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
TRANSFINANCIAL COMPANI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is claiming that I owe them {$400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 05/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Transfinancial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 12/17/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Sent cease and desist letter on XX/XX/2015 and sent another notice XX/XX/2015. I was on XXXX and file a renewal for XXXX at a different location twice, but XXXX of XXXX, LA. lost paperwork.
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.
|
| 07/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Transfinancial Companies is trying to collect that has not been verified nor validated. They do not have have my correct information and this is not my debt.
|
| 01/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.
|
| 10/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This account was placed on my credit report without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute.
|
| 02/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Did not receive notification of debt. I was unaware of balance being forward to me she to insurance being applied. This item is affecting my credit.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Transfinancial did not remove this debt from experian credit reports. It is on their XXXX and in my last cfb complaint they found the bill was paid.
|
| 09/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I asked this company to provide me valid information that ties me to this alleged debt. They responded with a bill. I dont believe this is correct.
|
| 05/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
on XXXX/XXXX/2015 I paid Transfinancial {$990.00} on behalf of XXXX XXXX in negotiation for {$1400.00} bills for {$980.00} {$320.00} {$100.00}
|
| 09/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Need this account removed from my credit reporting for all bureausas it is paid out at {$100.00} confirmation # XXXX
|
| 10/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
dates : XX/XX/2015 amount : {$1000.00} violation : section 604g 15 U.S.C. 1681b ( g ) ; 12 C.F.R 1022 Subpart D
|
| 08/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was not made aware of these fraudulent accounts until they showed up on my credit report.
|
| 02/21/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
IS SHOWING OPEN ACCOUNTS COLLECTIONS ON MY XXXX CREDIT REPORT. ALL DEBTS HAVE BEEN PAID
|
| 04/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I never knew of this debt until it appeared on my credit report.
|
| 06/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Reporting to credit bureaus debt that is not mine.
|
| 02/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/18/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 11/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/16/2022 |
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
|
|
Phone |
Servicemember |
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/16/2021 |
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
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 01/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 01/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 06/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/18/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 01/26/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/23/2014 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/08/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/08/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 07/14/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/29/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|