United Credit and Collections Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 671XX	Web
The collection agency is XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX Apartments. I had moved out of my apartment and gave them the correct forwarding address so that I could receive mail. Afterwards the property did a walkthrough of that apartment and is claiming they had to do cleaning and property removal. I was not present for this walkthrough. There were charges for cleaning and property removal and other various things. The property then sent a letter to my forwarding address with the move out charges enclosed. This letter was never received by me as it was returned by mail back to the property. The property then sent these charges in the amount of {$330.00} to the collection agency. The collection agency has been calling me about the debt. I began to speak with the collections agency regarding the debt. They told me what I owed. I raised a few concerns to the collections agency regarding this debt such as I never received a letter in the mail from the property about move out charges, a payment plan was never able to be set up with the property and I asked for proof/verification of the charges against my account. I also told the collection agency I wanted to see photos of the charges so that I could verify that these charges are correct and that the actions the property had taken did actually happen. The collections agency told me that neither them or the property had photos to verify the debt like I wanted. I also asked the debt collections to provide to me a call log from the property for there attempts to contact me about the returned letter they had received. I had found out after speaking to the property itself that in the letter there was an option for me to set up a payment plan before this had went to collections. I told the collections agency that I did not have a chance to settle the charges with the property before this had ever went to collections. I told the collections agency on XX/XX/22 ( date according to agency ) that I wanted to dispute the charge against my account because I wanted to see photos of the charges, I never received a letter in the mail from the property, I was never able to set up a payment plan. I received a letter in the mail from the collections agency that had a cover letter on it discussing my verbal communication to them of dispute and my request for verification of the debt. In the letter there is also a move out statement, XXXX ledger, and lease contract. There are no photos to verify the debt that is being owed or call log to show that the property tried to contact me after receiving the returned letter in the mail. The collection agency called me and left a voicemail on XX/XX/22 attempting to collect the debt once again. This is with in the XXXX days statue of limit of them not being able to call me regarding the debt because it was in dispute. After I received the voicemail I called the collections company and spoke with XXXX. I asked XXXX about the status of the dispute and she told me that the dispute had been resolved because they sent me a letter in the mail about my request for the dispute. Furthermore XXXX said that my request for dispute had been satisfied because my request for verification of the charges against my account had been satisfied. XXXX told me that the only thing that the collection agency had to give me was a dispute letter, ledger and my lease agreement. I asked her about the photos and call log she said that she did not have to give me that. XXXX then asked me how I would like to pay this debt. Above I gave a story of the situation regarding the debt and where it currently sits. Other than the actual attempt to collect the debt I have had other issues when dealing with United Credit & Collections. I raised these issues and concerns to XXXX, XXXX, and to XXXX XXXX left voicemails ). The issues I am having is that when I try to discuss the events and what has transpired with the amount owed I am being verbally abused and harrassed by the collections agents. XXXX has raised her voice at me, she will stop me from speaking, she doesn't take my concerns or requests serious, hangs up on me, puts me on hold until the call drops, she will interrupt me when I speak and not let me finish my sentences, she will verbally infer that I am just trying to not pay the debt, she has made bad/negative remarks towards me, and say that I am just not trying to work with the agency or move forward. Another issue I have in which I raised to XXXX is that I am trying to move forward and work with them and in order to do so I need them to provide to me the things that I have requested. XXXX will say that I am not trying to resolve the claim and hang up on me. I have then raised those concerns to XXXX and have asked to speak with the XXXX but she will tell me she is the XXXX. I was told by the apartments that I needed to call and ask for XXXX which I have and had left him voicemails a couple different times. XXXX would tell me I cant speak to him and that he doesn't take phone calls. I told her well I need to talk with her higher up or a XXXX because I do like the way she talks to me or treats me. XXXX has then sent me to XXXX a couple different time and when I begin to raise my questions and concerns to XXXX I get hung up on fairly quickly. I then get routed back to XXXX in which we continue to go in this same cycle of the collections agency not wanting to provide to me the documentation that I want/need and XXXX treating me with a lack of respect, courtesy and professionalism. I then try to pursue some relief from this abuse by speaking to XXXX or someone with more authority than XXXX. Finally on XX/XX/22 after I had called back XXXX to XXXX times because I was hung up on XXXX told me that they were going to have my phone number blocked and hung up on me again. I called back one last time asking if they had an HR or ethics line and she had told me that they don't have anything like that. A major concern with this whole ordeal is that the collection agency is trying to make me look like the bad guy even though I have had a calm temperament along the way and the agents ( primarily XXXX ) have lost there temper on me many times because I have not paid the collection immediately, have pursued fair treatment as a consumer and validation of the debt. Me calling XXXX or XXXX times is to get the information I am requesting and to voice my concern fairly but for some reason XXXX and United Credit & Collections don't want to provide that for me or can not. I am positive that the collections agency has called me more that XXXX times in a given 7 day period and have called me with in a 7 day period after engaging in a phone conversation. This whole ordeal has taken a ton of time from me and has caused me a lot of stress. I believe my health is effected from this whole situation mostly because of the way I have been treated by XXXX and United Credit & Collections. I have not been able to sleep after speaking to XXXX on the phone because of the way she talks to me and her verbal abuse causes me to have XXXX and XXXX.
06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39759	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that UNITED CREDIT AND COLLECTIONS had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that UNITED CREDIT AND COLLECTIONS open account was opened on XX/XX/ with a balance of {$870.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. UNITED CREDIT AND COLLECTIONS Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX
04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29640	Web
An overview of my case. At its roots it involves a prior landlord-tenant dispute with XXXX XXXX XXXX XXXX who are located in XXXX, South Carolina XXXX XXXX has made a claim that I owe them {$1300.00}. I turned in my keys to management on Friday, XX/XX/XXXX. Items involved in that charge would include rent income and their renter 's insurance. The alleged debt owed was sold to United Credit and Collections , Inc, who are now seeking payment, and have reported this to XXXX. My credit score with XXXX has dropped as a result of this action. I have disputed all of the debt they claim I owe to both XXXX and United Credit and Collections. Key Items in my dispute : 1 ) I was on a month-to-month lease with XXXX XXXX a part of my leasing contract has been provided for your confirmation. This part of the leasing contract was provided to me also by United Credit and Collections. Attached is a part of this leasing contract for confirmation. 2 ) A lack of thirty-day ( 30 ) notices provided to me by XXXX for rental increases- XXXX increased my rent twice. Once in XXXX, and again during the last month I was a tenant, which would be XX/XX/XXXX. No letter or notice of any kind was provided to me thirty days prior to each increase both times. To be clear, I was NOT notified by XXXX XXXX at the end of XX/XX/XXXX my rent would be increased from $ XXXX to $ XXXX in XXXX, and I was NOT notified at the end of XX/XX/XXXX my rent would be increased again from $ XXXX to $ XXXX in XXXX. Ninety-one ( 91 ) percent of what they claim I owe is a result of these increases. Per consultation with the XXXX XXXX XXXX and an attorney, it is my understanding those increases are not effective due to the South Carolina Landlord-Tenant Act. Rent was paid to XXXX for each month during the last three months I was there ( XXXX has my last day being XX/XX/XXXX, and did prorate my rent ), but did not include any additional money they wanted as a result of their increases. My deposit was taken as rent money. I printed out what they claim I owe now from my account portal on their website, and it is attached for your review. Any outstanding charges prior can also be sent to you upon request. NOTE : XXXX reported to the utility company, XXXX XXXX XXXX, that my rent did NOT increase in XX/XX/XXXX, and also that my rent did NOT increase again in XXXX. Please see attached for evidence. 3 ) XXXX renter 's insurance - XXXX has claimed that I owe them for their renter 's insurance I never paid, even though there was never a lapse in coverage. It was a requirement as a tenant, but you were given the option to be covered through your own insurance company. I was covered through XXXX XXXX. Please feel free to contact my XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX, to confirm I was covered WITHOUT a lapse in coverage ( or/and for documentation ), and especially for the days XXXX wants payment per the documentation I printed out through their website. 4 ) XXXX Deposit letter - a thirty-day ( 30 ) notice to vacate letter was provided to XXXX, which they acknowledged, on where to send my deposit and a deposit letter with itemized deductions. This is attached. I never received a deposit letter from XXXX in XXXX or XXXX of the year XXXX, to the address given on my thirty-day ( 30 ) notice to vacate ( my last day of tenancy did need to be adjusted ; I complied with their request to leave by Friday, XX/XX/XXXX ). XXXX and/or United Collections did not provide any evidence that an attempt was made by XXXX to send a deposit letter by certified or registered mail to the address provided on my thirty-day notice to vacate.. Included in documentation from United Credit and Collections is a deposit letter/notice ( with an itemized list of items on a separate page ) from XXXX XXXX XXXX XXXX XX/XX/XXXX. It was first read by me on XX/XX/XXXX. The address I provided in the thirty-day ( XXXX ) notice to vacate to XXXX is not on their deposit letter/notice, as only XXXX 's address is XXXX at the top. From my understanding about what I know about rental laws in the state of South Carolina, XXXX failed to take necessary actions as required by South Carolina law. United Credit and Collections , Inc has become a party to these illegal actions. Poor management practices may be involved in my case, too. Other? At XXXX water came through my ceiling in my kitchen due to a leaky roof, which they repaired. The leak stopped. However, XXXX never repaired the ceiling, even after an inspection was made by maintenance. There were other places in my apartment where there appeared to be leaks in the ceiling ( brown spots ). Attached are records I made reference to in this email. 1 ) Apartment Lease Contract, signed by all parties on XX/XX/XXXX ( nine pages ) 2 ) Current Outstanding Charges, XXXX XXXX XXXX ( XXXX pages ) 3 ) XXXX XXXX XXXX documents ( two pages ) 4 ) My thirty-day notice to vacate that was sent to XXXX XXXX XXXX attached letter, and their acknowledgment ( three pages ) 5 ) United Credit and Collections XXXX seven pages ) - all primary paperwork received by them and my responses ( seven pages ). My last response to United Credit and Collections , Inc. was sent by certified mail.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21801	Web
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX N A Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX CRED XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX _________________________________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$360.00} Unpaid Balance {$360.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$270.00} Unpaid Balance {$270.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX POB XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX IN Status Open Type Individual High Balance {$120.00} Unpaid Balance {$120.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency CREDIT COLL XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX OF XXXX Reported XX/XX/XXXX _________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Status Closed Type Individual High Balance {$640.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Closed By Credit Grantor Collection Agency XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ________________________________________________ in accordance with the Fair Credit Reporting act Convergent Account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX Status Closed Type Individual High Balance {$1000.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Paid Collection Collection Agency CREDIT COLL XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
09/21/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 62269	Web
On XXXX XXXX 2017 I checked my PO Box and there was a notice there from a collection agency to the name of " XXXX XXXX XXXX '' I instantly called ( XXXX ) the number on the front of the letter and got a lady named " XXXX '' ( I think I really do n't remember her name. She asked me did I know the debt I told her I did n't and asked what this was about. She asked me to verify my last of my social or she would n't be able to provide me any information. I told her I didnt feel comfortable and she said she did n't know what else to tell me. I verified the last 4 digits of my social and she said I owed this bill. I told her I didnt know what the bill was and may I speak to a manager. She stated that I knew what it was and that I would need to pay it. She said it was in my name. I explained to her thats not even my correct name yes my name is XXXX but my last name is n't XXXX. I asked for a manager again and she then hung up. I called back ( XXXX ) and got a different lady. I immediately asked for a manager and she stated she was a manager and her name was XXXX. I verified the last of my social and information. She then stated that the debt was to A XXXX XXXX and that I lived at XXXX XXXX XXXX XXXX in XXXX XXXX MO. I explained to her I do not know that address and that is it possible for her to share the information on the application. She stated that application states " XXXX XXXX '' and a social of XXXX I told her thats not even my information she said yes it is they just misspelled the information on the application by accident. I told her you ca n't misspell any information. If it says XXXX thats not XXXX! I then told her again that was n't me and she said well get a police report XXXX XXXX or its going to stay in our office. I asked her why am I getting a police report when its not even in my name nor social but you put it on as if it was. I also explained thats not my last name and she stated well XXXX XXXX its going on your credit and and your job will know and we 'll see you soon and hung up. I called the company listed at XXXX and they could find any information with my name. The last stated it did n't make sense for a collection company to call me if its not in my name and I agreed and we hung up. I called the collection agency back and recorded the call.I go XXXX again and asked her could she send me a copy of the contract she said she could mail that out but was n't able to email the information. I asked her t verify all the information again and she complied and again none of the information on he contract is my correct information. I have attached the recording. They changed the name from XXXX to XXXX and that is totally ILLEGAL. You ca n't assume its someone else just because you feel as thou that is correct.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MO 63108	Web	Older American
I am writing to dispute a derogatory record of failed lease payment reported by United Credit and Collection Inc ( XXXX XXXX XXXX XXXX XXXX, Missouri XXXX ) to XXXX XXXX XXXX. United Credit and Collection provided the report on behalf of XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX ). We left an apartment at XXXX XXXX XXXX XXXX for safety and sanitary reasons on XX/XX/XXXX. Prior to leaving we indicated both verbally and in writing to the property manager about the dog barking on our floor, the presence of large dogs in hallways and elevators and the dog excrement in common areas. This was not acceptable to us and a violation of the lease agreement that we had signed in XX/XX/XXXX. The lease we signed had a no animals policy ( Item XXXX XXXX agreement ). The property manager, XXXX XXXX, reassured us that the only tenants who had XXXX agreements would be allowed to have animals. This policy changed and XXXX XXXXXXXX XXXX XXXX advertised their leases as 'pet friendly ' and that any tenant could have two dogs with no size or breed restriction. We indicated the safety and sanitary reasons for our departure. We received no response from the property manager about our complaints nor any disagreement about our reasons for leaving. We provided written notice six weeks prior to our XX/XX/XXXX departure and paid an additional 30 days rent on departure. We include as support of our health and safety claim, the property managers notice ( XXXX XXXX ) to tenants about the continuing pet violations in XX/XX/XXXX. This notice was sent two weeks prior to our departure and four weeks after we provided our written notice to XXXX XXXX. We include the lease agreement that indicates NO Animals. We provide a lease ledger indicating the continued churning of our account following our departure for cause. This ledger ( {$3000.00} ) differs from the continued churning found in other ledgers of XXXX XXXX XXXX XXXX XXXX. that was sent to the credit reporting agency. XXXX XXXX XXXX XXXX not only ignored our complaints but also continued to add charges to our account despite the resident managers acceptance of our written notice in XXXX and the acknowledged submission of keys and fobs for our apartment on XX/XX/XXXX. The {$4500.00} charges submitted trepresent churning of our account with continued charges through the end of the lease in late XX/XX/XXXX. The notice of pet violations from the prorperty manager is included with the report. We left our lease early for safety and sanitary reasons. We dispute the derogatory report. We request the notice be removed from our credit report.
10/01/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 62269	Web
I have contacted this company in regards to a bill that was owed. I asked for validation and this is what they sent me. None of the information was in my name. I clearly shows it was a application in XXXX XXXX. They changed the name to XXXX XXXX. When I explained that was not me she stated yes it was and we had a argument. I asked for validation forms of my name and social on the paperwork and this is what I have received. Again the name and social are not mine and yet they entered this on my credit report and I spoke to them. I do n't even know the address listed on the application. They sent the correspondence to my PO BOX . Also, since action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
01/26/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	IL 62269	Web	Servicemember
During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have on XXXX.
09/30/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
UCC has received multiple Affidavits and has failed to respond. An un-rebutted Affidavit stands TRUE in court! UCC has violated my privacy! My consumer rights have been violated. United Credit and Collections has continued to harass me about this alleged debt. United Credit and Collections INC has violated federal law. United Credit and Collections has failed to properly respond to my notarized Affidavit. I have all proof of attempting to settle this amicably. United Credit and Collections has threatened actions that can not be legally taken under the Fair Debt Collection Practices. United Credit and Collections is civilly liable. United Credit and Collections is in default and now agrees with the facts. United Credit and Collections violated the following laws : 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e. ( 2 ) ( A ) 15 U.S. Code 1692e. ( 5 ) 15 U.S. Code 1692e. ( 7 ) 15 U.S. Code 1692e. ( 10 ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692c ( a ) 15 U.S. Code 1692c ( b ) 15 U.S. Code 1692h 15 U.S. Code 1692k ( a ) ( 1 ) All proof is attached
02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 117XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX 2023 United Credit & Collection Re : Debt that isn't mine Dear United Credit & Collection, I have never been contacted by you pertaining this debt I am not responsible for. While checking my credit report, I noticed there was a collection added by United Credit & Collection. This is not nor has ever been a debt I owe. I have no idea what this debt pertains to and have never used the creditor " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and have no knowledge of this creditor. I have never received any correspondence from the original creditor or the collection agency. This is not my debt owed and I am demanding it be removed from my name and credit report immediately. I am also requesting you mail me any and all documents pertaining to this debt since I have never been notified by your company that I owe anything. Please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed and not my debt owed. Please remove this debt that is not owed from my credit report. Thank you for your cooperation. Sincerely, XXXX XXXX
04/17/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21207	Web
Can you please refer to case XXXX the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my 2 p ayments was the enrollment fee and the XXXX was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all 10 classes and they allege I only paid thru XXXX . That is ridiculous and untrue no company would allow me to atten d 4 more months thru XXXX without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.
11/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63376	Web	Servicemember
In XX/XX/2022 I received a letter from United Credit and Collections stating I owed {$1900.00}, for a previous apartment. After several failed calls to the collection agency I decided to initiate contact through email and mail. On XX/XX/2022 I sent an email proving the charges were inaccurate. The collection agency then called and said the {$1100.00} charge was not for the original reason if me not giving proper notice to vacate but I was giving a $ XXXX for illegitimate military orders. I then advised that was not true and they do not have legal grounds to charge me a fee for that reason. The lease doesnt support that charge nor does the law. They still put it in my credit. I got it removed and the reinserted it again after I proved that they were wrong. She insulted me disrespect me and hung up. There are so many complaints about this agencys repeated offenses and they seem to go unheard. This has altered my business and my personal life dramatically and it is illegal. Please help us!!
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 559XX	Web
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with United Credit and Collections. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
02/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
[ UNITED CR CO/Account Number : XXXX ] This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : 1. ) What the money you say I owe is for ; 2. ) Explain and show me how you calculated what you say I owe ; 3. ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; 5. ) Prove the Statute of Limitations has not expired on this account ; 6. ) Show me the you are licensed to collect in my state ; 7. ) Provide me with your license numbers and Registered Agent or Agent of Service.
02/08/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 770XX	Web
Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. Company name : United Credit and Collections XXXX XXXX XXXX XXXX XXXX, MO XXXX
05/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63137	Web
United Credit Collections violated my consumer rights. United Credit Collections has harassed me by making phone calls and much more. They have ruined my reputation by reporting information on my consumer reports. UNITED CREDIT COLLECTIONS IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) UNITED CREDIT AND COLLECTIONS INC was hand delivered an Affidavit on Wednesday XX/XX/ 2021 via certified mail ( Tracking # XXXX ) in which they have failed to properly respond. UNITED CREDIT AND COLLECTIONS INC has now been notified that they are in Default. This notification was sent via certified mail ( Tracking # XXXX XXXX. They are civilly liable.
11/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 622XX	Web	Servicemember
I sent a written request to XXXX XXXX at : UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX United Credit & Collecti Opened XX/XX/2013 {$1300.00} Original creditor : XXXX XXXX XXXX After UNITED CREDIT & COLLECTIONS did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXXXXXX removed the info from my CBR permanently. XXXX removed the info then added it back to my CBR after a couple months.
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 032XX	Web
I signed my daughter up for acting classes through XXXX XXXX and the agreement was we only paid for what she classes she took and it was paid ahead of time. It was said it will never show on my credit. There would be no surprise bills because you pay ahead and payment stops if you stop. After we stopped the classes I had a collections show up on my credit for XXXX dollars and after multiple disputes it now says XXXX I owe in collections but I do not owe anything at all and Its not the terms I agreed to. They refuse to take it off my credit and have ignored my requests and explaining what I agreed to. Theyre rude and unprofessional and Im highly dissatisfied.
12/12/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07047	Web
While checking my XXXX credit report, I noticed a collections account for {$5700.00} placed on my report by United Credit and Collections , Inc. This debt collector has NEVER contacted me about this debt. Had I not checked my credit report I would not even be aware of it. It was a debt that was allegedly incurred over 7 years ago, which is not only past Missouri 's five-year statute of limitations for collecting a debt, but also has never been validated, despite my written request for a validation letter to confirm the debt 's ownership, detailed breakdown and validity. It is negatively impacting my credit score and yet can not even be validated.
04/24/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71112	Web
I have a debt wit h United Credit Collections in XXXX XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t ( XXXX XXXX ) is so unprofessional and I had to call numerous times today X/XX/2017 and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21207	Web
About 5 years ago my daughter attended XXXX where they required a large upfront payment over XXXX dollars and the program was for several months. Each week she would have to make a payment prior to class and the financial arrangements were to be completed by the end of the class. My daughter graduated from the school and really it was a joke but that 's not the point. I recently pulled my credit report back in XXXX of 2016 and disputed this collection only to be met with no verification of debt but a simple consumer disagrees. I have sent disputes to the credit bureaus and letters and would like this issue resolved.
11/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WI 53220	Web
In XXXX this account was reported to my credit in the amount of {$530.00}. It was charged off and placed back on my report in XXXX. They have now posted that the date placed for collection was XX/XX/XXXX which isn't true due to this information being falsely reported because no debt is owed, which is the reason it was charged off once before. They've updated my credit report XX/XX/XXXX without notifying me of any changes made what so ever. On my report it states that this debt is estimated to be removed XX/XX/XXXX which continue to update and change whenever the company feel the need to do so.
05/24/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 195XX	Web
I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33179	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information
03/14/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28306	Web	Servicemember
I was the victim of identity theft in the past, I had my personal information stolen with my SSN and drivers license ( my signature is alo on my SSN and drivers license along with my mailing address ) and ever since I notice accounts, credit card, auto loans and other information showing up on my credit that I am not aware of. I also reached out to the Company and made them aware but they threaten me to pay and if not my credit will be messed up and I will not be able to take out any credit for 7 years
11/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63033	Web
I have an account with United Credit Solutions I was told by XXXX XXXX that I could do a settlement but she had to speak with the client first to see she stated again that she has to inform the client she is willing unwilling to give me aa settlement for the account I called back and stated can I informed XXXX XXXX that I have worked with other credit collection agencies and never been treated this way and know that this is being used against me as racism
08/10/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33625	Web
I received a notification in XXXX about a XXXX XXXX debt that I don't recognize. Below are the details of what I found in the XXXX report. Creditor Information UNITED CREDIT & COLLECTI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Opened XX/XX/2021 ( 1 mo ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
12/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21113	Web	Servicemember
United Credit and Collections, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX placed a collection balance from XXXX XXXX on my credit reports with a date of XX/XX/XXXX. This is an inaccurate date. The correct date should have been XX/XX/XXXX and this collection should have been removed from my credit report 5 months ago. I've disputed this numerous times through XXXX XXXX and XXXX XXXX with no results.
12/20/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30017	Web
THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH UNITED CR CO. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR UNITED CR CO TP STOP AND DESIST ALL COMMUNICATIONS WITH THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
07/12/2021	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 Was not notified of investigation status or results	MO 63033	Web
Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with United Credit Collections and I don't have a contract with them and they never provided me an original contract like I asked. I have made several attempts to call United Credit & Collections and I have not received a response back.
11/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29403	Web
I attempted to contact the debt collection company since the debt had already been paid directly to the landlord. They continued to pursue debt collections against me. After getting proof from my bank that it had been paid I attempted to call them back. XXXX refused to send me a letter stating the debt had been paid and intentionally hung up on me.
02/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63304	Web
Debt is not verified. We do not have a pud rider on our house. A HOA can not charge fees. HOA did not even register with state until three years ago. We have asked for verification. Did not provide. This debt does not exist and is not valid. We provided this info to collection company, just ignored.
11/21/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75803	Web
I am trying to get united credit and collection to validate this account belongs to me. I have no contract with this creditor and have not recieved paper work validating this is my accounts. I have no knowledge of this inaccurate account reporting on my credit report.
12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63303	Web
Debt collector is saying that I owe debts I have no knowledge of or do not owe. I tried to contact company. The were unwilling to give me any information about this. Told me if I was a victim of identity theft it was not there problem
07/27/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	FL 32725	Web	Servicemember
They sent it to collections company United Credit and Collections Original debt was with XXXX XXXX For XXXX which posted in checking account on XXXX XX/XX/2023. I found the transaction in my XXXX account
07/27/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	FL 32725	Web	Servicemember
They sent it to collections company United Credit and Collections Original debt was with XXXX XXXX For XXXX which posted in checking account on XXXX XX/XX/2023. I found the transaction in my XXXX account
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29316	Web	Servicemember
Fraud and identity theft I contacted the credit company to get removed from my account the lady representative told me I cant just to pay it! I submitted to ftc for fraud. Report number XXXX
07/31/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
I do not have any signed leases with this company. I do not owe them.
02/05/2024	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75244	Web

01/12/2024	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	PA 19141	Web

01/11/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web

12/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28625	Web

11/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85016	Web

07/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MS 38611	Web	Servicemember

02/22/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28216	Web

02/22/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28216	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75025	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28630	Web

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30084	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77033	Web

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37076	Web

07/18/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30017	Web

06/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30548	Web

06/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30548	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76085	Web

11/17/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	PA 19131	Web

08/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62002	Web

04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28212	Web

03/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 02118	Web

06/19/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	SC 29909	Web	Servicemember

03/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63031	Web

01/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63303	Postal mail

11/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30052	Web

01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75861	Web