Unlimited Progress Corp CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 604XX	Web
I went to the emergency room at the XXXX XXXX after I had XXXX at a nursing home. I was taken to the hospital by an ambulance called by the nursing home. I received medical attention at the XXXX XXXX and was released many hours later. I did not have insurance. I returned back to XXXX XXXX a few days later still having major problems with XXXX and XXXX due to my original fall. Again, I went to the emergency room at XXXX XXXX and was told nothing was wrong and released some hours later. Again, I had no insurance. A month or two later I received a bill from XXXX XXXX with fees for all the doctors, labs, medications, XXXX, XXXX 's and the ambulance service from the original visit and the all such fees from the second visit. I called XXXX XXXX explaining I had no insurance, no means to pay for the bill I received from them and they put me through to their financial aid department. The XXXX XXXX XXXX XXXX Department representative asked me many questions as she filled out forms over the phone for me to see what they could do for my situation with all the bills I had received from the hospital. I believe she sent them to me, I signed them sent them back and a few weeks later I received a statement from the XXXX XXXX XXXX XXXX Department saying I was qualified for 100 % payment by the department and all my bills with the hospital including all doctor bills, ambulance service, medicals treatments, labs, XXXX, XXXX 's and any other bills from both visits to the hospital were removed or paid by them or XXXX. A month or two later I received the first notice of delinquent bills in collections from Creditors Discount & Audit Co. at XXXX XXXX XXXX, in XXXX, IL XXXX Tel : XXXX. I called Creditors Discount & Audit Co. immediately and explained all of the bills they showed that I owed were removed/XXXX or paid by XXXX XXXX XXXX XXXX XXXX and that they needed to speak with them as to those bills. The representative from Creditors Discount & Audit Co. became rude and said no these are your bills and you must pay them. I said no they are not and to cease and desist any further collection activity or any further contact to my home or I would direct them to my attorney and or form a complaint with the FTC. The Creditors Discount & Audit Co. continued their attacks on me and my finance in attempts to collect these debts ever since then and tried of this abuse. Creditors Discount & Audit Co. has been reporting this to all credit bureaus, during their constant illegal assaults, illegal collections activities against me since the original letter I received from them back in XXXX of 2014. I have sent them by mail, faxed them the statement from the hospital, formerly disputed their bills in writing and Creditors Discount & Audit Co. denies they received anything from me, continues to report falsely to the credit bureaus and continues to illegally pursue collection efforts for these bills that were all from my two emergency room visits to XXXX XXXX. Also, I had a third visit for all my symptoms from the fall as I continued to have major problems with not being able to XXXX, XXXX that would not stop and upper XXXX XXXX that keep getting worse by the day so I went to the emergency room at the XXXX XXXX where my XXXX works to find out that XXXX XXXX had totally misdiagnosed my injuries from the fall I had had indeed XXXX and that was causing all of my symptoms. I also, told this to XXXX XXXX upon speaking with their financial aid department representative the day she and I filled out the paperwork over the phone. My visit to XXXX XXXX has nothing to do with the delinquent bills with Creditors Discount & Audit Co..Please help
09/29/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60585	Web
The collection agency in question is Creditors Discount and Audit. XXXX. in XXXX, ILThey contacted me about a medical bill from XX/XX/XXXX. The amount was {$400.00}. I told them I ha no idea what that was for because I had insurance back then and being that it was a lot of money would tell me maybe some tests were run, etc and I had no tests done. I asked them to send me something showing me what the {$400.00} was for. .On XX/XX/XXXX I spoke with a XXXX there. She said she would send me copies showing what this was for. On XXXX/XXXX/XXXX I had still not received anything si I called and spoke with a XXXX there and he faxed me what he had. What he sent me was a statement showing all of the payment that I had made over the years to this doctor. I called back on XXXX but this time I spoke with a XXXX. I explained that what they sent me does not say what I was seen for on that day. I need to see the detail not a statement. She told me that is all she had and that I should call the doctor. I called XXXX who is the doctor 's bookkeeper. I left her a message on XX/XX/XXXX that I need some detail. Never heard anything. Called again and spoke with XXXX and she could not provide any detail that I needed to call the collection agency. So the collection agency is telling me to call the doctor and the doctor is telling me to call the collection agency.I had talked toi the supervisor at the collection agency but I ca n't remember what her nae was. She basically told that that 's all they had and that it 's too bad that we do n't have any more detail but I still needed to pay the bill. I said put yourself in my shoes would you pay {$400.00} for something that first of all is incorrect and second nobody has told you what it was for. She was rude and just had a tuff luck attitude. She said she was going to report it to the credit reporting agancies and I told her that I know my rights and you can not do this. Since then it is now on my credit and they assigned to an attorney!. This is not right! How can this happen? That bill might not even be mine ... what if they billed the wrong patient? Now its ' affecting my credit and that needs to be removed. I am also disputing this with all XXXX credit agencies. Please do something. A lot of people do n't realize that they can stand up to these people and they end up paying something because they are threatened that its going to an attorney and going on their credit report. The doctors name is XXXX XXXX in XXXX il.
12/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web	Servicemember
I received a letter dated XX/XX/2020 from Creditors Discount & Audit Co. ( Account XXXX ) referencing an alleged debt owed to XXXX XXXX XXXX who they purported to represent. Because I had never heard of or done business with Creditors Discount & Audit Co. or the company they claimed to represent I became very suspicious. I immediately requested a number of documents to verify and validate the debt which I have attached and was sent certified mail # XXXX. The validation was received and signed for by their company on XX/XX/2020 by XXXX. At minimum I expected the following 3 requested documents : A verification of the consumer debt that includes a statement of account that : ( i ) itemizes the interest, charges and fees claimed to be owed prior to the charge-off, the original charge-off balance, and the principal balance, if different from the charge-off balance ; ( ii ) itemizes any interest, charges or fees claimed to be owed after the charge-off balance ; and ( iii ) identifies and describes the basis of the alleged debtor 's obligation to pay. A certified assignment agreement between XXXX XXXX XXXX and Creditors Discount & Audit Co. the alleged original creditor. A certified purchase agreement and receipt for the purchase of the referenced alleged debt between XXXX XXXX XXXX and Creditors Discount & Audit Co. the alleged original creditor. ( if applicable ) I asked for many of the documents suggested by the sample letter on the Consumer Financial Protection Bureaus website. Creditors Discount & Audit Co. totally ignored the Federal Laws in place to protect consumers against deceptive collection practices. To date I have received nothing in the form of verification or validation and to add insult to injury this account was added to my XXXX and XXXX consumer credit report negatively affecting my creditworthiness by drastically dropping my credit score and preventing me from being able to qualify for a real estate purchase.
05/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 152XX	Web
On XXXX / XXXX / XXXX I was treated at, XXXX XXXX XXXX , an ER at a hospital in XXXX XXXX . The hospital remitted an invoice to me in the amount of {$720.00} claiming that I had no underlying health insurance coverage. I made repeated calls to the billing department explaining to them that I did in fact have health coverage and gave them my insurance carrier information, XXXX of XXXX , PA, as well as my policy number. I continued to receive an invoice indicating an outstanding balance. After repeated cal ls ( 3-5 times ), I arra nged a conference call with the billing department of the Hospital and the claims department with XXXX . The apparent disconnect was an improper " billing code issue ''. At the termination of the conference call, I was assured that the claim was now properly addressed and that I could consider the matter closed. At this point I shredded my file on the matter-therefor I no longer possess specific information as to the origins of the claim, hospital name. etc. Today, XXXX / XXXX / XXXX , I learned via my XXXX credit report that this invoice was never paid ( or if it has been paid, it was referred to collections nonetheless ) a nd I now have a delinquency on my credit report. Subsequent to my conference call with the hospital and my insurance carrier, which would have occurred on or around XXXX of XXXX , I NEVER received any additional correspondence from the hospital or their billing department indicating that this invoice was never satisfied. Consequently, I am contesting the validity of this debt ; I would like this item immediately removed from credit report, and would like to pursue any all remedies available to me under the laws of the state of Illinois as well as any remedies available to me under the relevant federal consumer financial protections. I can be reached at XXXX or at XXXX XXXX XXXX . Thanks you fro your assistance in this matter.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Creditors Discount & Audit. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
08/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75093	Web
In reviewing my credit reports, I found 19 collection accounts listed on my reports, all from a company called Creditor 's Discount and Aud. I have never received any notification or communications from this company. I also confirmed that this company does not have a Texas surety bond. I recognize the original creditor that is listed for 18 of these accounts as a doctor 's office where I was briefly treated in XX/XX/XXXX. My total bill for my brief treatment ( 3 office visits ) was around {$3000.00}. I entered an auto draft payment plan and paid that bill down in XX/XX/XXXX. Now, this collection agency, Creditor 's Discount, has listed 18 new collection accounts on my credit reports as of XX/XX/XXXX for a total of {$7000.00}. Again, I have never been notified of these accounts or my right to dispute them, they just showed up on my credit reports. There are two accounts for {$2000.00}, two accounts for {$130.00}, eleven accounts for {$140.00}, two accounts for {$430.00}, and two accounts for {$200.00}, all from one doctor 's office. These accounts are obviously duplicated and inaccurate. There is also one account for {$500.00} from a dentist office, that I am not aware of. I spoke with a representative at Creditor 's Discount to gain more clarification on this situation and she stated that they can not mail me anything or call me because I live in Texas and they are not allowed to collect in Texas, as there are only a few states where they are allowed to collect. I mailed a debt validation request, but will not receive a reply, because Creditor 's Discount can not mail me anything per their representative.
05/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60657	Web
I received a letter a few years ago from CREDITORS DISCOUNT & AUD about an outstanding debt that was being collected. I did not recognize the debt and had no idea what the letter was about - to my knowledge I did not owe anyone any money, and I had not been contacted by any party about a missing payment. I called the number provided in the letter, and spoke with a customer representative. I told her that I was disputing the payment since I did not recognize it. I also asked for additional documentation, saying that if indeed I had missed a payment I would be happy to pay, but that I needed more information to verify what payment this was about, from when, and whether it had not been settled. She told me my dispute was recorded, and she assured me that there would be no adverse effect for me or on my credit scores. I never received any further communication from the debt collecting agency, and I have not received any further information regarding any missed payment/amount owed. A few days ago, I applied for an auto loan and given my 800+ Fico score ( I pay off my credit card balances on time ) assumed it would easily be approved. But when it was rejected, I looked into my credit reports and found a collection reported. I still do not know what this is about, I have not received any information or communication regarding it, and I suspect I have been subject to fraudulent activity. I have disputed the collection with the credit rating agency ( XXXX ), but would appreciate help finding a solution to this.
08/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 604XX	Web
On XX/XX/2022 I called creditors discount & audit co. to settle a debt from rehabilitation after XXXX XXXX XXXX. I asked how much they would settle out for and they told me XXXX of a XXXX debt.i called back 5 minutes later to ask them if they would take payments on the verbal settlement over the phone and the representative " XXXX XXXX '' said yes so I them made XXXX payment and called the next week to pay off my balance in full and was told my balance was XXXX so after explaining to her that they said I could make payments she then responds to " I misunderstood '' and telling her all of their phone calls are recorded she then said " yes we messed up and your balance is XXXX '' after that I insisted to talk to a supervisor she then transferred me to her supervisor and left a message and a week later after no phone call I called back because obviously her supervisor doesn't care so after saying I just want to get it over with I said I'll pay the XXXX and circled back to the first conversation and reminded her again that she said she messed up and the balance was XXXX so again asked to speak to her supervisor and left a 2nd message and no call back " 2 weeks ''. So after careful consideration I feel that this is an obvious unfair and deceptive practices. I'm trying to pay my debt to improve my credit score and cant even though I'm honoring to the settlement agreement and they are not " reneging ''. I never thought I might have to sue to pay my debt settlement agreement.
03/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web
On XX/XX/XXXX ( via USPS Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Creditors ' Discount & Audit Co received a request for validation from me for two alleged medical debts. CDA not only failed to validate the inaccurate debts but also accessed my medical information without a HIPAA Release Form. Furthermore, CDA failed to document a current business relationship between them and the alleged original creditor. I've disputed these inaccurate tradelines with the major bureaus several times, of which CDA consistently verified these erroneous debts. I've filed two separate disputes with the credit bureaus ( # XXXX, XXXX ) to no avail. In the midst of these disputes with the Credit Reporting Agencies , Creditors ' Discount & Audit Co went on to change both account numbers without notification or explanation. I've never done business with Creditors ' Discount & Audit Co. There are no documents bearing my signature of any services or products rendered to me from CDA. CDA is in gross violation of the Fair Debt Collection Practices Act and Health Insurance Portability and Accountability Act, and according to these laws, they must remove these invalid accounts from my credit reports. In an honest attempt to solve this issue amicably, I've allowed CDA to ruin my credit far too long. I trust they'll finally govern themselves accordingly. Thank you, XXXX XXXX CC : Illinois Attorney General, XXXX XXXX XXXX, US Department of Health and Human Services
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60619	Web
CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	IL 60188	Web
I have tried settling a debt. That I had no idea about. It turns out it was a bill for my daughter. The only reason I found out about this is because I am in the process of buying a home and when they pulled my credit the mortgage lender notified me and I was shocked to see this. I immediately called the creditor who are located in XXXX Illinois. I told them I would pay it over the phone for deletion on my credit report. She told me to write a letter to the supervisor XXXX XXXX about my situation. That she does the reporting to creditors in the beginning of each month. I wrote the letter and mailed it out immediately. Never heard back. So I called again. I was told that they got my letter and that they would require payment in their hands first then decide if they would delete from my credit reports. She then however mentioned to me that they dont delete from reports. I then reiterated " so you guys need payment in hands and even then you still won't guarantee the deletion? " she said that is correct. I am trying to pay this off but they are not accommodating by any means. I have been nice every single time I am really trying to settle this. The closing on my future home is less then 60 days away. Can you help me please. My email is XXXX XXXX XXXX
11/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 604XX	Web
I have a debt collection letter I got " Creditors Discount & Audit CO., INC. '' for a medical bill I have already been paying on and have very little left to pay at this time. When I called to get information and dispute it, I was given very vague information that I need to provide proof of payment, which I need much more information for, but before I got to getting specifics I had also commented that I am not comfortable that I was sent a very detailed itemized list of medical information from this collections agency, which if it is in fact mine seems to be a huge breach of my privacy. The person I was speaking to seemed to get pretty angry at this concern and told me it doesn't tell them any specifics, but I assured her that this is a very detailed list of medical information I am currently looking at right now, to which she replied she was " done with this conversation '' and immediately hung up on me. How am I supposed to go about disputing this bill collection or handle it in any way if I am being attacked on the phone by these people that need to help resolve this? I am always calm and collected never raising my voice yet this person immediately flew off the handle on me at the very first bit of pushback on the claim.
05/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL XXXXX	Web	Servicemember
I have been receiving multiple phone calls along with my husband and phone calls going to his place of work, messages left of a debt owed to please have him XXXX for a important matter.. a debt owed then they sent a man to our home on memorial day to serve papers to our home gave them to our daughter who is XXXX pounding on the door she said she went answered it finally to a man older gentlemen XXXX XXXX XXXX, he shoved papers in her face and said give these to your parents make sure they get them and was shoving them in her face, now all she had told this man was no I am not the person your looking for i'm related a daughter but gave no proof etc. then he goes shoveing these papers in her face not just two months after she was just assaulted by a gentlemen which also freaked her out not acceptable at all so we get served a summons to appear in court on XX/XX/XXXX at XXXXXXXX XXXX in court for a DEBT that is in a BANKRUPTCY and been charged off back in XX/XX/XXXX in which the XXXX has already been made aware of this and told to please stop calling me and my husband leave us alone stop harassing us yet now they try to sue us.
08/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60462	Web
XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove it.
07/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46410	Web
XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( XXXX XXXX XXXX XXXX with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act 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. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60538	Web
CDA/XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX showing a balance still owed and this account has been settled. XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. Balance : {$220.00} unknown creditor Balance : {$82.00} unknown creditor
10/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90012	Web
On XX/XX/XXXX I contacted Creditors discount & A about a collection on my credit saying I had late payments for over 3+ years. I was confused and not knowledgeable about this not only was I under XXXX when they say the account was open I have no knowledge how I owe them {$680.00}. I never received a phone call, letter or email about this absurd amount. When I spoke to operator about this collection on my account she failed to identify me using my social saying she doesnt have information because I dont have an account, and is unclear how to help she tried a couple different tactics including trying to look me up under my phone number to see if its possible I had an account still nothing came up. I explained I have no knowledge of ever opening one and as I noticed she doesnt either so why is it on my credit reporting as a collection since XX/XX/2017. Please help I have already disputed this but there making it impossible. The dispute has been in review for weeks with no change.
01/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. I am attaching proof of my identity and a copy of my credit report for your reference. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
12/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60637	Web
CREDITORS DISCOUNT & AUD has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with CREDITORS DISCOUNT & AUD yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.
01/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 480XX	Web
The original account is from XXXX XXXX XXXX XXXX XXXX. I have never done business with this place. The account showed up randomly on my credit report as a collection. I have tried multiple times to call the business, but they have incorrect number 's listed. This business also has many different addresses, which makes it look more fraudulent to me. I have submitted a complaint with the XXXX XXXX XXXX, they too were unable to get in contact the business. I have disputed this collection account, once through XXXX and once through XXXX XXXX - both times it came back verified from the collector, Creditors Discount & Audit. This has been detrimental to my credit report. If there is any way that you can help me resolve this issue it would be greatly appreciated. The date this collection went to my credit report was XX/XX/2019 and the amount they have listed is {$300.00}.
11/02/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 605XX	Web
The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times
08/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46368	Web
I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THAT CREDITORS DISCOUNT & AUDIT WAS REPORTING AS A COLLECTION. I CONTACTED THE CREDIT BUREAUS AND INFOMED THEM THAT THE REPROTING OF THE ACCOUNT IS MADE IN ERROR AND I AM NOT AWARE OF OWING THIS COMPANY. I SENT A LETTER TO CREDITORS DISCOUNT REQUESTING THAT THEY SEND ME PROOF THAT THEY ARE LICENSED TO COLLECT AND NEVER RECEIVED A RESPONSE. I THEN SEARCHED THIS COMPANY AND NOTICED THAT CREDITORS DISCOUNT IS NOT LICENSED/BONDED AND DO NOT HAVE THE RIGHT TO COLLECT IN INDIANA. I WROTE THEM A LETTER INFOMING THEM THAT I SEARCHED THEIR COMPANY AND THEY ARE NOT LICENSED TO COLLECT IN ALMOST STATES THAT I SEARCHED. THEY SENT ME A COPY OF A BILLING STATEMENT I REQUESTED THAT THE REMOVE THE ILLEGAL REPORTING FROM MY CREDIT REPORT AS THERE ARE VIOLATING MY RIGHTS.
01/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60636	Web
I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
12/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web
AFTER SUBMITTING A COMPLAINT TO THE CFBP CREDITORS DISCOUNT & AUDIT RESPONDED WITH PERSONALLY IDENTIFIABLE INFORMATION RELATING A CONSUMER THAT IS NOT ME. THE COMPANY SUBMITTED FALSE INFORMATION INCLUDING THE NAME, SOCIAL SECURITY NUMBER, MEDICAL INSURANCE NUMBER, DATE OF BIRTH AND TELEPHONE NUMBER BELONGING TO ANOTHER CONSUMER THAT IS NOT ME BUT ALLEGING TO SHOW PROOF OF AN ALLEGED DEBT. THE DELETION SHEET SUBMITTED BY THE CORPORATION ALSO CONTAINS ANOTHER FALSE SOCIAL SECURITY NUMBER THAT IS NOT MINE. I WILL BE FORWARDING THIS INFORMATION TO THE RIGHTFUL CONSUMER AND ADVISING THEM TO FILE A POLICE REPORT. I HOPE THE CFPB RIGHTFULLY INVESTIGATES THIS COMPANY BECAUSE IT IS GROSSLY VIOLATING CONSUMER PROTECTION LAWS INCLUDING HIPAA.
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web	Servicemember
XX/XX/2020 Creditors Discount & Aud XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX original creditor XXXX XXXX XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is {$1800.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this debt to be removed from my credit file as soon as possible. This erroneous and illegal tradeline is damaging my credit and name greatly! Please assist.
06/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 609XX	Web
I am repeatedly being harassed by phone for debt collection I do not owe. I have been called numerous times for debt collection of different people I do not know nor have lived at this residence. Some examples ; XXXX XXXX, XXXX XXXX or XXXX, etc. I have asked on every occasion where I have been home to answer the calls that my number be removed. Each time I am " assured '' that the calls will stop. However, the next day the calls will start again. The calls will be for a new person that owes money. This company is listed as Credit Discount and Audit Company. The number listed is XXXX.
11/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60153	Web
I recently just paid a medical collection last month, however XXXX is refusing to remove it when the law and their blog clearly states once paid they are to remove it. Moreover, they were the only credit reporting agency that refused to remove it when I disputed and sent in documentation that showed Medicaid was responsible for the bill like the other two big credit agencies. Nevertheless, since they continued to let the collection company report monthly and hurt my credit score I just paid it because Im trying to purchase a home.
07/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60411	Web
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60423	Web
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.
03/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
Someone has fraudulently used my personal information to what seems to be, have medical care. I never gave anyone permission to use my personal information for anything. Now I find out that there's a collection on my credit report from Creditors and Aud ( original debtors is showing as XXXX XXXX XXXX ), for a total of {$920.00}. Again, I have been a victim identity theft because I have never had any dealings with either of these companies. The account states that it was opened on XX/XX/2019.
07/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46410	Web
called creditors discount auditors ( XXXX ) to have company commit to and was agreed to combine accounts and i would start to make payments on combined account, they did not do so and reported each account on my credit report as a separate account that is not being paid, no payments have been submitted to the credit report as being paid and no balances have decreased after making payment of over {$480.00} then they started to call me to make payments that i am already making,
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60613	Web
CREDITORS DISCOUNT & AUDIT contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.
08/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60139	Web
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). Additionally, the aforementioned customer REQUIRES the following : CREDITORS DISCOUNT & A ( Original Creditor : XXXX XXXX - XXXX XXXX ) XXXX
09/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60657	Web
The company - CREDITORS DISCOUNT & AUD - continues to place an account that does not belong to me. According to the information they placed on my credit report they indicate it is for " XXXX XXXX ''. Fact 1 ) I have not been to an emergency room in a long time, if ever. Fact 2 ) I have requested them to provide proof that this is my debt, and they have not only refused, they have not provided any.
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 604XX	Web	Servicemember
I have had a " unpaid '' late collection agency claim put on my credit report for {$540.00}. This is for a bill from the XXXX XXXX of XXXX . I have NEVER been to this place. This has been done by a company named : Creditors Discount & Audit - XXXX XXXX XXXX XXXX - XXXX , XXXX XXXX XXXX Account # XXXX This is NOT my bill. I want this removed immediately! Thank you ;
07/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60538	Web
We went to court around XXXX, before COVID-19 started. I was trying to recover from XXXX and XXXX XXXX. The original Creditor is XXXX XXXX in which XXXX XXXX had shared my XXXX records to ( XXXX XXXX XXXX ) without my permission and going against the ( HIPPA ) Law ... I will be sending information in the mail of what he sent me apart of my union bill that explains the work I had done.
12/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60636	Web
I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u
12/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web
Hello this creditor called me and I replied back that this ok to pay it in installments and asked them if they can call me after a week once I get paid but they didn't and surprised that they added it to my credit report which ruined it because of their miss communication and didn't keep their word. Amount is {$310.00} and reporting date : XX/XX/XXXX XXXX
04/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60616	Web
I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).
04/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60616	Web
I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).
06/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 626XX	Web
I have reached out to CREDITORS DISCOUNT & Auditors for Account XXXX from Now defunct XXXX XXXX in XXXX XXXX Illinois to inform them that these services were for my XXXX XXXX and they should bill her insurance. I have also initiated several disputes to no avail. The info was removed from one credit buearu and not the others.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60473	Web
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
01/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60615	Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CDAXX/XX/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
01/22/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 60626	Web
A medical doctor was reimbursed by XXXX for customary and reasonable charges. He was upset with the amount and sent his full bill to Creditors Discount & Auditors. They placed a collection notice for the full amount even though I made 2 phone calls and responded in writing.
02/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
Creditors discount and aud. N/A I do not have no acknowledgement of this company or what it is this is identity theft and this is really messing my name and life up and i am willing to take any procedure to get this resolve as soon as possible
11/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60628	Web
i had insurance to cover a medical bill from this company covered through medicaid for my daughter. I should have never had this bill submitted through the credit reporting agency as my daughter had insurance covered through me at the time.
01/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60517	Web
Never received certain items that were billed. They sent my to collections and XXXX deleted the case. Now they are sending new information. I have spent countless hours with this to no avail. I paid for the items I recieved
12/19/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	IL 604XX	Web
I informed the collection agency that my insurance company would be handling the account and that they should contact them. I gave them my insurers information and they failed to contact them and continues to call me.
12/06/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46360	Web
Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.
10/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 484XX	Web
I asked the collection company ( Creditors Discounts and Audit ) to send me proof of debt because I was not aware of any for XXXX XXXX XXXX XXXX XXXX. Nothing has been sent to me.
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	AZ 85022	Web
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem
05/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web
They contacted me and identified the debt amounting to {$470.00} and I never received information to verify and validate the debt.
04/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60647	Web
I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.
01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
The debt on my credit was fraudulently put on that was not me and I would like it fixed as soon as possible.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 605XX	Web
SENT A VALIDATION LETTER ON XX/XX/2022 TO THE COMPANY NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.
01/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60624	Web
I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.
11/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60914	Web
This is not my account and I have no knowledge of it I have filed numerous reports about identity theft.
11/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60914	Web
This is not my account and I have no knowledge of it I have filed numerous reports about identity theft.
12/30/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 613XX	Web
I mailed in asking for a letter of verification and multiple times my mail was refused and returned.
10/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60621	Web
Debt collector is in violation of several 15 USC 1692 fair debt collections practice Acts.
12/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76018	Web	Older American
This debt came from Indiana I had move to Texas and did not incur this debt
12/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60649	Web
didn't recieve enough information to verify debt
02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77007	Web

02/01/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75075	Web

11/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60160	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60621	Web

03/25/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IN 464XX	Web

03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60656	Web

01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46410	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60640	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web

11/10/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60202	Web

07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77014	Web

06/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60454	Web

02/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60153	Web

01/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 61350	Web

12/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75070	Web

12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60543	Web

12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60506	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60473	Web

10/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60181	Web

10/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60181	Web

10/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web

09/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60803	Web

09/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web

09/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60421	Web

09/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web

09/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60628	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46320	Web

08/25/2021	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	IN 46402	Web

08/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46319	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 Their investigation did not fix an error on your report	CA 91402	Web

08/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60628	Web

07/15/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60193	Web

06/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60620	Web

05/21/2021	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	IN 46410	Web

03/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60478	Web

02/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web

02/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89084	Fax

01/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85374	Web

09/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60418	Web

06/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60477	Web

05/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60501	Web

01/31/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46407	Referral

01/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60604	Web	Servicemember

01/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77429	Web

12/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60410	Web

10/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60621	Web

09/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60104	Web

09/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53713	Web

04/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98178	Web

02/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60612	Web

01/31/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60174	Web

12/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60652	Web

12/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60411	Web

11/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60649	Web

10/19/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60629	Web

08/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	Web

07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

06/15/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	IN 46222	Web

06/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60804	Web

04/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60649	Web

04/03/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60628	Web

03/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60194	Referral

02/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60827	Web

01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60175	Web

10/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60153	Web

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60636	Web

07/12/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60194	Web

07/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46407	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

05/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60435	Web

02/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60629	Web

02/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60615	Web

01/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30106	Web	Servicemember

01/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60615	Web

12/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60491	Web

12/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60491	Web

06/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10025	Web

03/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60608	Web

01/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60481	Phone	Older American

10/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60653	Web

10/21/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32836	Web

02/24/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IN 46303	Web	Servicemember

02/09/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	FL 33569	Web

01/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60640	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web

09/01/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60659	Web

08/21/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	IL 60431	Web

08/11/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Seized/Attempted to seize property	IL 61360	Web

04/17/2014	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60615	Web

03/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60451	Web	Servicemember

02/28/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60707	Web

12/06/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63125	Web

10/30/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60660	Web

10/25/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60481	Web

10/23/2013	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	IL 60431	Web