VIRTUOSO SOURCING GROUP, LLC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/23/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL XXXXX	Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AL. XXXX c : ( XXXX ) XXXX \| e : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Director ) C. F. P. B. FEDERAL TRADE COMMISSION XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA. XXXX Washington, DC. XXXX " VIA ELECTRONIC MAIL '' RE : XXXX XXXX BILLING DEPT., DESIGNATING VIRTUOSO SOURCING GROUP FOR COLLECTIONS IN THE AMT OF ... {$1900.00} FOR INSTALLMENT BILLING & ( 3 ) XXXX Dear XXXX XXXX & CFPB Rep : This correspondence will serve as a follow up referencing the above, after being contacted on or about ... XX/XX/XXXX8 ( Fri. ) approximately XXXX XXXX XXXX, re XXXX Account No. : XXXX or XXXX No. : XXXX, after speaking with XXXX ( Manager ) from Virtuoso Sourcing Group ( VSG ), XXXX AZ at : ( XXXX ) XXXX informed me that XXXX had submitted this account for collections on or about ... XX/XX/XXXX, which appears to have been premature and unwarranted in nature. XXXX being aware having been informed after I contacted their billing dept., to dispute and discuss bizarre erroneous monthly charges and ongoing claim denials that began to occur, XXXX XXXX XXXX ( Sr. System Analyst ) with XXXX at : ( XXXX ) XXXX on or about ... XX/XX/XXXX waived monthly billings in the amount of {$540.00} after XXXX XXXX XXXX XXXX began to initiate bizarre claims processing patterns of ... declining-accepting-declined, to accepting and ultimately declined the claim for me to pay the deductible ( s ) re XXXX that had been stolen the night of purchase. This compelled me to file a consumer complaint with the Public Utilities Commission ( PUC ) investigated by XXXX XXXX XXXX, after XXXX months it was determined that ( PUC ) did not have legal jurisdiction and referred the matter to the CA. Dept. of Insurance ( CDI ) which was subsequently filed and is currently being reviewed by XXXX XXXX XXXX ( CDI XXXX as of ... XX/XX/XXXX and pending a conflict of resolution and findings with this dispute. At any rate, XXXX appeared to submit this account into collections prematurely with a total disregard, willingly and knowing that it was pending a review, investigation & resolution status, thereby, being unfair exercising unscrupulous & unprofessional tactics. Therefore, XXXX should correct by acknowledging and continue honoring XXXX XXXX XXXX ( SCC ) decision in waiving what was considered erroneous & unwarranted monthly billings being processed since cell phones had been stolen, never used resulting from XXXX sales representative ( XXXX ) failure to clearly communicate phones had been activated, in addition to not knowing XXXX failure by providing the consumer [ after-the-fact ] insurance policy & procedure strikes me being extremely odd & peculiar when claims filed to replace the phone ( s ) by paying the required and agreed {$200.00} deductible are [ null and void ] resulting from ... 1non usage or 2no air time being established prior phones being lost, stolen or damaged. This claim/policy information is key & relevant and should have been revealed from the outset to avoid recurrences with unwitting consumers from being victimized through no fault of their own and furthermore, would remedy what appears to be a quagmire loophole if the consumer doesnt get the policy or knowledge thereof prior the claim incident occurring, therefore, XXXX being aware, not an isolated incident needs to modify or revise by stipulating a remedy to address this disconnect of information leading to unethical & unfair practices equivalent to ... [ cramming ], then submitting for collections for erroneous monthly billings that lacks merit which in effect negatively impacts consumers credit report and rating. After XXXX most recent consumer settlement re : Penalties to Settle FTC Charges It Violated Fair Credit Reporting Act & FCPB, you would think this would have been a watershed moment, and yet, failure to [ disclose and/or omissions ] of this insurance policy claim provision are the legal basis & merits that gives legitimacy and substantiates the repetitive-patterns of practices with XXXX in this complaint. If I can be of further assistance feel free to contact me, all ( PUC & CDI ) data ( available upon request ). Sincerely, XXXX XXXX XXXX Consumer/Complainant cc : XXXX XXXX - Billing Dept., XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX XXXX XXXX XXXX - CA. Dept. of Insurance, XXXX XXXX XXXX, XXXX XXXX, CA. XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TN. XXXX XXXX XXXX XXXX - XXXX XXXX, CA. File copy/// c : XXXX-XXXXXXXX-cmplnt_collcn doc.
07/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VIRTUOSO SOURCING GROU XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
10/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91701	Web
Please see the contents of a letter sent to the collection company, Virtuoso Sourcing Group, LLC on XXXX, XXXX. I have communicated with them previous to this time that this supposed debt is in dispute but yet they have had this debt placed upon my credit report without clearly identifying that it is in dispute. XXXX XXXX, XXXX Virtuoso Sourcing Group, LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Re : XXXX XXXX Creditor : XXXX XXXX-XXXX Client Ref : XXXX Dear Sir or Madam : I recently received your letter dated XXXX XXXX, XXXX. In your letter, you state that the included contract substantiates proof of debt with XXXX XXXX. Unfortunately, your organization does not have the complete details regarding this matter. In my previous letter dated XXXX XXXX, XXXX, I stated why there is no contractual agreement between me and XXXX XXXX. I have been in dispute with XXXX since XX/XX/XXXX, the date of the original install of solar on my home ( See Exhibit # XXXX, Initial Permits in XX/XX/XXXX ). Because of insufficient production, my system was altered ( See Exhibit # XXXX, New Permits on XXXX XXXX, XXXX ). With the introduction of the new system, I asked for a new contract to reflect the new system as well as provide me with new estimates of production. The old or initial contract was out of date because it did not reflect the system on my home and it did not provide me with estimates of production based upon the new system. XXXX refused to provide a new contract for the work that had been completed on my home. After exchanging with them over a period of time, they sent me a " Settlement & Release Agreement '' on XXXX XXXX, XXXX ( See Exhibit # XXXX ). I was refused to sign the agreement and asked them to remove the system from my home ( See Exhibit # XXXX ). I have multiple emails ( See Exhibit # XXXX ) between myself and XXXX XXXX ( XXXX representative ) which demonstrate we were in dispute regarding the solar system. As I previously stated, I finally asked XXXX XXXX and XXXX to remove the system from my home because I was not satisfied. XXXX XXXX has not responded to my request, dated XXXX XXXX, XXXX. Once more, I dispute this alleged debt and I am hereby asking you to cease and desist requesting payment from me. I deny that the alleged debt is owed and my agreement for the solar system was rescinded based on several grounds, including : 1. The solar company refused to provide me with a contract for the solar system currently on my home. 2. The system provided by the solar company has materially failed. 3. Since the solar company was unable to resolve issues 1 and 2, I asked them to come and remove the system from my home and they did not respond. Once again, I would like to reinforce that no complete and enforceable written contract was ever entered into between me and the solar company. If Virtuoso Sourcing group continues its collection efforts, I will be forced to pursue this matter legally. Sincerely, XXXX XXXX
05/24/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 55412	Web
I had a no contract service plan from XXXX in XX/XX/XXXX. I cancelled service inXX/XX/XXXX and followed the steps outlined by XXXX to return their equipment ( cable box ). I had XXXX XXXX on XX/XX/XXXX. Throughout XX/XX/XXXX they ( either XXXX or the debt collection agency they hired - I don't remember ) continued to call me almost daily before XXXX XXXX. They did not leave a voicemail. I was not capable of handling this at that time because I was in recovery. That's why I took care of all my business before the XXXX. In XX/XX/XXXX I finally called the number back that had been calling repeatedly and was told that they are attempting to collect a debt for the equipment. I let them know that I had already sent it in and provided proof ( shipping information ). I also called XXXX to verify this information and to make sure this was settled. I did not hear from them again until XX/XX/XXXX of this year ( XX/XX/XXXX). They ( collection agency - I'm assuming Virtuoso but I'm not sure ) called several days in a row but did not answer when I picked up or leave a message if I let it go to voicemail, so when I had time I called the number back. They told me they were trying to collect a debt for equipment for XXXX. I informed them that I had never owed that debt and that it had been taken care of with a collection agency and with XXXX. They told me to file an appeal on their website, which I did right away. I don't remember the website. The calls stopped at that time. Now ( XX/XX/XXXX ) I am getting daily calls from XXXX. I answer, the line is blank. I call back immediately and it says the line will be connected to an agent. It rings then puts hold music on, then says that I've reached them outside of their business hours ( I just called at XXXX XXXX CST on a Thursday ) then says stay on the line to use their automated system to pay the debt, then hangs up on me. Before that it gives a website to pay the debt that they're trying to collect ( XXXX ). The options there are to log in, create an account, or " XXXX XXXX. '' I am not going to set up an account and give them more of my personal information - I can't even reach a person to find out who it is, why they're calling, or if they even have the right person. Since XXXX is the only company that would be feasibly trying to collect a debt from me, I am assuming that they hired Virtuoso to collect this debt that they keep claiming I owe.
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 22041	Web
XXXX impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by XXXX and/or accepted by XXXX despite they knew now the fact that collection was in violation of the FCRA by XXXX and the collection. XXXX blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. XXXX added an unthorized address to Mr. XXXX credit file. XXXX knee that XXXX already deleted that collection that violates the FCRA.When Mr. XXXX found that XXXX blocked him from using the XXXX online dispute process ( XXXX in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because XXXX knew if they let Mr. XXXX to use that online dispute process without restrictions he would win and XXXX would had deleted that collection by now. XXXX now is served through this platform the attached files that were already sent to XXXX by they trashed them or ignored them and XXXX to explain why they did that in violation of the FCRA.XXXX must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX specific XXXX credit report number. Included also the name of the collection. A XXXX XXXX banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and XXXX must delete that collection or face serious legal consequences.
03/21/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33326	Web	Servicemember
I just came back from XXXX in the middle of XX/XX/XXXX. While gone I changed my service provide to a new provider. XXXX was supposed to provide me with a final bill so that I could pass on to my new service provider and get credit for the devices that I own. XXXX final bill was not correct causing me to forfeit the credits that I would receive from my new service provider. I attempted to contact XXXX starting in mid XX/XX/XXXX on a weekly basis trying to arrange payment arrangements or any other kind of arrangement to satisfy my arrangement to XXXX. XXXX refused to correct my final bill that would allow me to receive the credit owed to me by my new service provider. I attempted to resolve the debt with XXXX. I am unable to pay {$2300.00} all at once. Today I was told that I was referred to a collection agency and XXXX would not accept any kind of payment but the full payment. They also told me that in one week from today I will be referred to a collection agency. I have a security clearance and I cant do that. I also dont have {$2300.00} to give to them. I am prepared to send back the equipment they are charging me for or any other method of trying to resolve this issue. I was referred to a collection agency, XXXX XXXX, and they did not offer any resolution. I have tried for the past year to work with XXXX to get my final bill corrected and they tell me because I didn't notify them that I was changing wireless network providers that they can not help me at all. I actually did call and tell XXXX that I was cancelling the service with them and they offered no help in transition. A year later and now they have a new collection agency, Virtuoso Group, hired to attempt collecting this unfair debt caused by XXXX 's clerical error. I still do not have the money promised to me by my new service provider, XXXX, because of XXXX 's clerical error on my final bill. The clerical error is that the device ( phone ) serial numbers were not correctly matched to my phone numbers. For example : my sons device ( phone ) was listed incorrectly as my phone number and vice-versa.
06/15/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80012	Web
I originally had service with XXXX XXXX for my business. When the alarm broke in XX/XX/XXXX, they sent a sales guy out who signed me up for XXXX XXXX. Apparently the two companies were merging. XXXX continued charging for services they were no longer providing from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX began billing for services in XX/XX/XXXX. Since XXXX was already set-up from before, it continued to auto-pay against my credit card. I immediately called both XXXX and XXXX XXXX on XX/XX/XXXX to point out the overlap and request a credit from XXXX - which I would then use to pay XXXX XXXX. The credit that XXXX agreed to was {$270.00}. I have been waiting since XX/XX/XXXX for this alleged check that they have issued to arrive. Since then I have called XXXX and XXXX XXXX again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update them of the situation. The entire time that I have been doing that, XXXX XXXX has reassured me that they were fine with the delay in payment and understood the situation. I have been receiving repeated calls since XX/XX/XXXX from a collection agency named Virtuoso Sourcing Group, XXXX. I finally found out that they were actually calling on behalf of XXXX XXXX. I explained to the gentleman on XX/XX/XXXX after they called twice in a row what the situation was and to stop calling me. He agreed. I have since gotten two more calls from them, this time from an agent named XXXX. When I explained the situation to her and that I was upset they were not stopping, she asked for written evidence of the situation. I agreed to email it to her but she refused to give me her email address and ended up hanging up on me. When I called the number back to talk to a supervisor and sort this out, the recording said that I was calling during business hours. It is unfair and shady that they can call me but I can't call them back after they hang up on me, or that I was unable to send written evidence of the situation when she refused to provide her contact information.
05/03/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28278	Web	Older American
XX/XX/XXXX Virtuoso Sourcing Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX RE : Collection Notice, Creditor : XXXX XXXX Client Ref # : XXXX Acct. # : XXXX XXXX : I received the attached collection notice in reference to the aforementioned account, dated XX/XX/XXXX , on Friday, XX/XX/XXXX . I am contesting/disputing the balance due - as stated in your correspondence ( {$570.00} ) ; instead, I am offering to pay one-half of the amount stated which would be {$280.00}. My reasons are as follows : 1. I had b een a loyal XXXX customer since XXXX , 15 years while residing in XXXX , XXXX and the remainder of that period while in XXXX , XXXX XXXX . 2. My service at XXXX XXXX XXXX XXXX w as canceled in XX/XX/XXXX , only after I moved and new location did not require continuation of a monitored alarm system. 3. In XX/XX/XXXX , I paid XXXX {$1300.00} for a full system installation at my XXXX address. This, after having service with XXXX for 15 years in XXXX and XXXX XXXX . 4. I considered using XXXX again, after I moved in XXXX of this year at my new address ; however, the quote I received was in excess of {$1400.00}. I felt this was quite excessive, since just two years prior ; I had paid over {$1300.00} for an upgraded system. In summary, to have been a loyal customer of XXXX for more than 20 years, and to be asked to pay more than {$1300.00} within two years, is quite excessive and shows little consideration for my prior years as a customer. Because of the aforementioned facts, I am asking XXXX to courteously accept my offer of a final payment of {$280.00}. Finally, I would trust that no adverse action would be reported against my credit report until this matter is resolved. ( Over ) Virtuoso Sourcing Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX XX/XX/XXXX ( Cont. ) Sincerely, XXXX XXXX XXXX
10/23/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75050	Web
[ XX/XX/2023 ] Subject : Complaint against Virtuoso Sourcing Group LLC Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding an issue with Virtuoso Sourcing Group LLC , a collection agency. I believe that the debt they are pursuing is not legitimate, and I am concerned about how they obtained my personal information. Details of the situation : 1. Collection Agency Information : Name of Collection Agency : Virtuoso Sourcing Group LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Alleged Debt : Virtuoso Sourcing Group LLC contacted me claiming that I owe an electric bill for an address in a different state. However, I have never lived at the provided address, and I am a resident of Texas. I believe this debt is not valid and is likely a case of mistaken identity or fraud. 3. Concerns about Information Handling : I am deeply concerned about how Virtuoso Sourcing Group LLC obtained my personal information, including my name and the last four digits of my Social Security Number ( SSN ). I have not had any prior dealings with the alleged creditor or provided my information for any such purpose. 4. Request for Assistance : I kindly request the CFPB 's assistance in investigating this matter and verifying the legitimacy of the debt claimed by Virtuoso Sourcing Group LLC. I am worried about potential identity theft or fraudulent collection efforts. Enclosed, please find any relevant documentation and evidence that I have, including any records of communication with the collection agency. I appreciate your attention to this matter and your assistance in resolving this issue. Please feel free to contact me at the provided email address or phone number if you require any additional information.
04/28/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60025	Web	Servicemember
I cancelled XXXX services. They claimed I had a contract with them and couldn't cancel until XXXX. When I asked for a copy of my signed contract, they sent me an XXXX contract without my signature. XXXX them claimed that it was a verbal contract. Since XXXX phone system states that calls are recorded, I asked them to send me a copy of the recording were I entered into a verbal contract. I never received this either. I moved into my in XXXX and XXXX was already installed. We never signed a contract, we continued to pay until XXXX when we realized we didn't use it and could save money by cancelling it. When I called to cancel, this is when they told me first that I had a written contract and when they couldn't produce that, that I had a verbal contract ( which again, they can't/have n't produced ). They sent to Virtuoso Collections. On XX/XX/XXXX, I sent a letter to Virtuoso disputing the charge and requesting a copy of written or verbal contract from XXXX. Not only did they not provide this, they continue to call multiple times per day even though their letter says they will stop calling once I disputed. In addition, when they call, I have asked them to only correspond with me in writing. I am requesting a copy of the alleged contract. I am following the rules and Virtuoso should also. I resent my XXXX letter to Virtuoso virtually on XXXX. If they can produce a valid contract that shows I entered into an agreement with XXXX, I will pay the amount due- {$200.00}. I have been asking XXXX and Virtuoso for this " contract '' for months verbally and in writing. Neither have produced anything.
06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 786XX	Web
I fulfilled my contract with XXXX and all my bills were paid and current when XXXX ported my number, over a year ago, to XXXX XXXX XXXX. XXXX always billed me XXXX month in advance and they personally ported number my number over to XXXX XXXX XXXX and said good-bye. It was at the end of billing cycle and they always billed XXXX month in advance. My account was in good standing and paid in full during that billing cycle. Approximately, 3 months later, they called me claiming I owed them {$100.00}. I told them about this and they claimed they would clear it up. Of course, that did n't happen and they called me several months later saying i owed this money to XXXX. I told them this was not the case so they threatened me to report to credit agency and they did. They continue calling on many different numbers. I have blocked so many of there calls that XXXX wo n't let me block anymore numbers. They call the house and then my cell phone at all hours of the day and night and on all kinds of numbers across the country with many different agents. They are rude and XXXX agent literally yells at me. Please end this and make them remove this from my credit. I was a great customer of XXXX for over 5 years and this is most distressing. I will never do business with them again nor will I not pay them money when I do not owe them any money and if you do n't believe me, just XXXX the Internet and you will find hundreds of other folks with this exact same problem with XXXX. Ps. They never mailed me any written documentation and they all have the wrong address. Please help me.
07/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 961XX	Web	Older American
I notified XXXX to cancel my account as it had not worked for over a year on the date I made m y last payment. They billed me again the next month after I had cancelled. I wrote a letter again telling them I had cancelled the previous month. The next month I received another bill for another months service. I called them and told them that I had notified them two times I had cancelled. They said that I had to use their cancellation form on their letter head to be able to cancel. They then billed me for another month of service. I asked them if they had received my first cancellation notice. They said they had but would not cancel the account until they received the official letterhead cancellation notice. I do not feel that I should have to pay them for an additional three months after I notified them to cancel and they acknowledged they had received this notification. There system had not worked for over a year yet they continued to bill me. This was a home protection system and they should have realized it was not working and notified me that it was not working but they did not so I actually feel they owe me for the year in which the system did not work and I am going to send them a bill demanding a refund for what I feel they owe me. I have told them this many times on the phone and in writing and they continued to harass me with phone calls, letters and now a collection service. This is just another way to get more money out of people and is wrong. They still have n't even picked up their equipment which is still in my home.
04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	ID 83442	Web
On XX/XX/XXXX I kept receiving calls from an unknown number. I finally called the number back to find out that it was a collections company with virtuoso sourcing group. They were trying to collect a debt for {$650.00} for a power and light company in XXXXXXXX XXXX I knew something was wrong because I live in XXXX XXXX and have never once in my life lived in XXXX. They told me the address lived at was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Immediately I reported that that account was identity fraud and was not my debt. I have also sent that Virtuoso group an email with a police report of the fraud I reported that same day. The case number for my police report is XXXX with XXXX XXXX police station on XX/XX/XXXX. I checked my credit report on that day to find another collections account, this one totaling {$4200.00} at a XXXX XXXX apartments also in XXXX. The collections account was at XXXX XXXX XXXX. I have also reported this account as Identity theft and emailed in the necessary information to the company to get it removed from in relation to my identity. I have gone on experion and reported a hard inquiry on my credit regarding a XXXX XXXX credit card that I never signed up for. The date online said it was signed up for in XXXX XXXX XXXX. I need to get these fraud reports and accounts removed from my name and my credit restored as they are not my debts and I have been a victim of Identity theft.
07/26/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 374XX	Web
XXXX. I called XXXX several times requesting that I receive a letter indicating that once the balance was paid in full, that they would remove the account from collections within XXXX business days. -I was placed on hold several times. -Representatives hung up or refused to allow me to speak with a supervisor -after several attempts, I was told that a supervisor would call me back. -A supervisor finally called but still refused to provide a letter indicating that the account would be removed from collections within 30 days once paid XXXX gave me the following phone # to call for collections agency XXXX XXXX. I called the collections agency ( Virtuoso Sourcing Group ) at XXXX and I requested that they email me a Statement indicating the details of the debt, name of collector, and amount of debt in writing. They refused to provide it several times. Then finally I was sent to a supervisor who asked for my email address and stated that she would send me the statement via email but SHE NEVER EMAILED IT. -I also asked again ( after several requests ) if they could provide a letter stating that once the balance was paid in full, that they would remove the account from collections within 30 business days. I mentioned that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. The collections agency refused to send this letter via email.
01/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 082XX	Web	Servicemember
XXXX Received a letter from XXXX XXXX XXXX XXXX XXXX indicating that I had an unpaid balance of {$990.00}. On the same day I received a letter from Virtuoso Sourcing Group, apparently a debt collection agency stating that I owed {$990.00} To XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I called the XXXX XXXX. I spoke to a representative and told them that the bill was not mine. The person I spoke to said that they couldnt give me any information about the bill unless I confirmed my address and last 4 of my social. I didnt feel comfortable giving either information out to the representative but I did give the last 4 of my social. All he could tell me was that work had been done at that address, XXXX, but would not disclose any other information. He gave me the address of the work. I asked if there was anyway to send a bill to that address and not to my address. The man said that I would need to contact the XXXX Police Dept to file a police report. Then I called Virtuoso sourcing group. The lady asked for me to confirm the address where the bill was sent. I explained that I never lived in XXXX or Indiana for that matter. She also said to file a police report with the XXXX police dept. She said they would start a file on their end, but I should still contact law enforcement. I Called XXXX Police Dept. They told me they couldnt do anything that I had to go through a local police agency.
07/25/2023	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89123	Web
LAst week, I was contacted by the debt collector virtuoso sourcing RE : a debt with XXXX XXXX in an amount of approximately {$54.00}. this debt was tied to a gas bill. The gas bill was paid directly with XXXX XXXX Upon interrogation, I informed the debt collector that the debt was paid and it was best they communicate with the company for further confirmation. The debt collector wanted to extract more information from me, upon which I informed them I would not be updating or confirming any information and revoked any further phone contact. I have received calls on XX/XX/XXXX ( which I didn't answer ) and XX/XX/XXXX. Upon speaking to the representative, I informed them that I previously revoked permission to communicate with me via phone. The representative told me that I did not revoke permission and continued to interrogate me for new information and payment. I informed the representative that payment has been made to the company and any further communication should be with them, as I revoked permission to call me. The representative continued to make me pay her or prove that I didn't owe. I escalated the call to a supervisor who piggybacked these sentiments initially. I then informed her she was actively commiting a CFPB violation to which she apologized, said I would be added to the do not call list, yet still insisted I make a payment.
06/16/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77077	Web
I was shopping for a new electric service provider online and was quoted {$200.00} deposit to start service with XXXX XXXX XXXX, I decided to go with another company and never paid the deposit for XXXX XXXX XXXX and never intended to do business with XXXX XXXX XXXX. I started receiving collection calls and told the representatives that I never agreed to proceed with the service. I recently applied for a mortgage and was told VIRTUOSO SOURCING GR had reported a collection of {$28.00} on my credit report and the original creditor is XXXX XXXX. I filed a complaint with the XXXX and received a response from XXXX XXXX stating that I enrolled in service on XX/XX/XXXX and services began the following day on the XX/XX/XXXX. I have a receipt for payment on the XX/XX/XXXX to XXXX XXXX XXXX. I feel this is very deceptive to appear as XXXX XXXX XXXX but actually be XXXX XXXX, and require a deposit to start service and then start service without the deposit and without my knowledge. Now my credit report is being affected by this unfair and unethical business practice. I have explained this to the company directly, and provided the receipt for payment to the company I chose to do business with on the same day that I was told I enrolled with XXXX XXXX. All I want is this removed from my credit report.
03/15/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 752XX	Web
Name : XXXX XXXX SSN : XXXX Virtuoso Sourcing Group has been contacting me just about every day even though I've asked them to cease contacting me since I am currently a recent college grad and have yet to secure employment to make payments on the debt. In XX/XX/XXXX I filed a complaint in which I was told that the frequent calling would stop due to me being assigned a designated agent to handle the account which I was okay with, but it deemed to not be true as I'm still getting calls just about every day from different agents within Virtuouso Sourcing Group. Today, XX/XX/19 I verbally asked to stop receiving communication through telephone and to only be communicated by mail only, I was verbally told by the supervisor/floor lead that they would cease contacting me and when I receive employment I can call them, but I know the calls will continue so, therefore, I'm writing this complaint. I've recorded the following dates and times of their calls within the last week and a half ( my phone won't go back any further than this ) Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX
07/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10708	Web
My name is XXXX XXXX. I have had XXXX service since XXXX XXXX. I first required their services at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The bill was automatically drafted out of my bank account every month. Between XXXX and XXXX XXXX, I called to change my adress to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX. This address was XXXX block away from the previous address. They told me that there would be no problem. They did the transfer and Installation, after that I did not hear from them again. I then received a bill of {$1500.00} from XXXX and some debt collectors called Virtuoso Sourcing Group. I then called ADT to understand what was going on. They told me that is the bill from the remaining of the balance that was not paid. I explained that all I did was transfer the account to another address but that the contract should of been the same. They said that once an address is changed, the contract is done and a new one starts. I never received such information. XXXX concealed information from me and did not tell me the terms of the contract regarding the change of address and that it would have to be a new contract in the new address.
10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98226	Web
I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's agents XXXX XXXX https : //www.sprint.com/ and Virtuoso Sourcing Group http : //www.virtuososourcing.com/ for Breach of Contract, Failure to Providing Service, Bait and Switch Sales Tactics of Ipad Contract and Billing, not providing me with a written contract when asked, only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, Bait & Switch Sales/Billing Tactics. This is the second time I 've asked for information of reported debt filled by Sprint.com, and they would n't respond to the Washington State Attorney 's Office and XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Virtuoso Sourcing Group saying Sprint.com has filled a Debt Claim. If Sprint.com does n't response to the State Attorney 's office or Federal Agency 's in Complaints how can the they really be acting in good faith during the sales and service process.
09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 863XX	Web
OnXX/XX/XXXX My wife and I want to exchange a bad phone. XXXX told us they would set up a new plan and send us phones right away. They told me they would over night them for {$61.00} and I agreed. The next morning I received a text saying that they charged my account {$810.00} and I would receive the phones in 8 to 10 business days. I called them right away and told them to cancel everything. That was not what I agreed to and to return my money as soon as possible. XXXX told my that finance department would handle it and I would get my funds back in three to five business days. I waited three weeks and finally got my bank involved to dispute the charges. I never received any phones from XXXX!! I noticed a charge on a email message in XX/XX/XXXX for {$810.00} from XXXX and to pay immediately. I called customer care and they said they would fix the issue. I have since been turned into a collection agency for {$810.00}. For this reason I am submitting this complaint and I am seeking legal council to pursue legal matters to clear my credit.
03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MA 01830	Web
I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE
03/19/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89135	Web
We cancelled our XXXX security services after one year of pre-paid service on XX/XX/XXXX and notified the sales representative. We subsequently deinstalled all XXXX equipment. Shortly thereafter we received notice that we owed over a XXXX dollars for a new contract we never signed. We believe that a contract was fraudulently executed on our behalf to generate commissions and revenue for XXXX and its sales representatives. The sales representative was XXXX XXXX XXXX in XXXX XXXX NV and he has been unresponsive. We disputed the charge to our XXXX XXXX card who supported out dispute as we had not been receiving services from XXXX since XX/XX/XXXX. All communication then ceased from XXXX until we received a notice of debt collection in XXXX of XXXX. Turning over a dispute to debt collections for services never rendered is deeply troubling and fraudulent on XXXX 's behalf. We suspect that there may be bad actors seeking to protect their commissions and profits, rather than allowing folks to stop using XXXX 's service.
06/02/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 546XX	Web
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX this was discharged in XX/XX/XXXX. Virtuoso Sourcing Group somehow obtained the account I included in bankruptcy with XXXX. So both names where listed on the Chapter XXXX filing. Shortly after the discharge Virtuoso Sourcing Group starting reporting that I had an " open '' collections account with them in the notes it says included in bankruptcy. The way they have this written is not typically seen by a creditor, they see I have a open collection account. The way Virtuoso Sourcing Group is reporting this hurts my score. I have tried over the past year and have to try your correct this matter with the company directly either by phone or via disputes with the credit bureaus they have been 100 % on willing to correct the matter and have threatened to reports this account several times on my report she make it appear that I have numerous corrections accounts. I want Virtuoso Sourcing Group to remove this information from my report.
04/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 664XX	Web	Servicemember
I am presently on XXXX and stationed at XXXX XXXX XXXX. In XX/XX/XXXX I came under XXXX to the state of XXXX. I then notified my apartment my non renewal of lease due for XX/XX/XXXX. I also call XXXX ( XXXX ) for cancellation of my utility, as i was moving my family from the state of XXXX to XXXX. Months later I began to receive collection letters, and harassing phone call from Virtuoso Sourcing group. A collection company based out from XXXX Colorado. I in turn reached back to both XXXX and XXXX and turned in all backing documents to show fraudulent billing. I sent them my hotel bills showing me and my family stay pending the readiness of my lease. I also sent them my XXXX on reporting date to XXXX. All this have been proved abortive and I am still been harassed everyday. The worst situation I am confronted with is their constant negative report on my credit. I am confronted with a situation of fraudulent billing and destruction of my credit worthiness.
08/09/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98199	Web
There was a fraud collection account from Virtuoso sourcing group that hurts my credit score. It claims that I have a missing payment of {$60.00} since a year ago. This was out of nowhere. I called them in early XX/XX/XXXX to remove the fraud account and issue a proof that this was not my account. They checked my ssn and name. They said there was no record me owing them money. However, when I requested a proof : there is no collection with my ssn, they refused and claimed no action they could do to help me. They asked me to " settle '' or more of " blackmail '' with a high payment price to clear it off my account. I refused because I never owe them anything at first place. I insisted and wanted to escalate the case to legal level. They claimed the cell signal was off, and hang up. It was the worst company and customer service I have ever dealt with. Someone needs to take some actions to stand for the justice.
10/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90404	Web	Older American, Servicemember
On XXXX/XXXX/XXXX I received a call on my cellphone from area XXXX same area code as my mothers doctor. Return call to find out it was from XXXXXXXX XXXX. They are in XXXX, Colorado. Why not be honest and use the correct calling area, Customer rep told me they handle XXXX XXXX accounts. That this account was with them since XXXX/XXXX/XXXX at or about XXXX/XXXX/XXXX they reported this to credit bureau. No letter XXXX just threw on report. I told her how could they have account when only letter came from a company called XXXX. That they replied with a cease collection on this account. ( enclosed copy Look at the dates! I am asking remove negative from credit report. They do dot want to get involve in this horror with XXXXXXXX XXXX Just for your information XXXXXXXX XXXX offer me {$150.00}. I refused ( This was a 2 year contract- They fail in so many ways not your problem. Also refused to register mail.
10/02/2023	No	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43612	Web
Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )
10/02/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43612	Web
Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )
03/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47408	Web
On XX/XX/2019, I received a letter ( attached ) from " virtuoso sourcing group '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. On XX/XX/2019, I wrote and mailed a letter ( attached ) to " virtuoso sourcing group '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. " virtuoso sourcing group '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. Now, today XX/XX/2019, I received a new letter ( attached ) from " XXXX XXXX XXXX XXXX '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.
02/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MN 55411	Web
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX Virtuoso Sourcing Group Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX , XXXX MN XXXX XXXX XXXX , XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX , XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX , GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!
08/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92692	Web
Virtuoso Sourcing Group, a collections company working on behalf of XXXX agreed to settle my debt for 75 % of the amount owed ( settlement offer letter attached ). The original amount owed was {$260.00}. As agreed, I paid {$190.00} via check on XX/XX/21 ( copy attached ). Yesterday, XX/XX/21, a new collections company - XXXX XXXX XXXX XXXX contacted me on behalf of XXXX attempting to collect the 25 % that was discounted. I called Virtuoso, they said they no longer have the file, because XXXX pulled it from them on XX/XX/21 but their records show that I still owe a balance. I called XXXX and was told that Virtuoso had the file and they did not have any record of the new collections company that called me. My call was transferred to 6 different associates within XXXX and Virtuoso over the course of 1 hour and no one was able to help.
02/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NE 68135	Web
While Finalizing a Home Refinance on XX/XX/2019 the lender contacted me and stated there was a derogatory entry from a company called Virtuoso Sourcing Group in the amount of {$2600.00}. This company has never contacted me concerning a debt I called them and spoke to a XXXX XXXX would not give me there full name. I requested they verify my Phone and Physical address which they could not do. They would not disclose the details of the debt but would send written correspondence which they have not done. I sent a letter and email demanding proof of debt and that the derogatory entry be removed. They have still not responded to either request, in addition there are hundreds of official complaints and reviews alleging the same conduct. This company is clearly violating federal law with apparently no repercussions.
01/28/2019	No	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	HI 967XX	Web	Servicemember
Vrituoso Sourcing Group has been calling me almost every day and a lot of times between XXXX and just before XXXX. On one of the instances, I answered the phone asking if they knew what time it was. One time I waited for an answer and was told that it was XXXXsomething. I replied that that it was XXXXsomething and hung up. The number is showing as XXXX, MD. The 3 hour time difference shows that theyre calling from the West Coast and not the East Coast. Im in Hawaii. On XXXX-XXXX-19, I called the number back and informed them that I was going to report them for harassment and calling too early in the morning. The woman said that there was nothing wrong or illegal about calling that early. While I was trying to speak, she talked over me saying that she would remove me from the list and hung up on me.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90262	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is in reference to refusing to cancel my service. In XX/XX/2021 I cancelled my service due to over debting my checking account on several occasions. I have spoke with several people starting with the XXXX name XXXX out of XXXX, XXXX that sold me the system. XXXX employees are committing fraud and trying to extort money from me. I believe a woman by the name XXXX XXXX, XXXX, XXXX friends and family that work for XXXX and is behind this. These are people called XXXX XXXX XXXX Please see attachments. I do not owe XXXX any money and would like to request for the XXXX time to please stop sending me bills and cancel this service. I would appreciate your immediate attention. I can be reached at ( XXXX ) XXXX. Thank you,
07/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NE 68022	Web
XXXX transferred two items on our cell phone account totaling over {$6000.00}. We had XXXX XXXX with XXXX come to Our house and do an interview. XXXX could not justify these amounts or how someone transferred money out of a cell phone account. The Nebraska XXXX Department gave us a case number. We returned all devices that were not owned by us with the agreement XXXX would unlock devices we had out right paid for and owned. XXXX never unlocked those devices and therefore the agreed amount of {$300.00} we did not owe or pay. They have since just recently damaged our credit with another amount of over {$1400.00}!!!! The collection source they have it to will not collect on this as fraud was involved. How do we get this Virtuoso collection mark off our credit now??
05/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91701	Web
I was called by a company saying that I owed money for an old account that I cancelled with XXXX back in XX/XX/XXXX. I made my last payment with XXXX, and this random collection agency called me day and night, I never got the agents name. They constantly would tell me they were going to put it on my credit and make sure it never came off. I told them they had the wrong number, and they constantly would harass me from XXXX XXXX XX/XX/XXXX, until I finally blocked them. I then saw that they said I owed {$800.00}, when I sent back the electronics that belong to XXXX after I used their services and made sure the bill was paid off. Also I never signed any documentation indicating that I owed money to this collection agency or used their services.
05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77498	Web
Virtuoso Agency located in XXXX Colorado. The customer service agent was very rude. I had sent them a police report and other items verifying that it I was a victim of identity theft. The original creditor direct energy cleared the balance realizing it was identity theft. I asked the debt collector to send paperwork to XXXX to clear my name. Virtuoso is reporting that it is in open collections to the credit agencies. The agent was rude and said I am not your friend and I do n't care and I do n't have to help you. All I asked was them to send a letter to XXXX that the account was recalled by XXXX because of fraud. They are reporting to the credit agencies even with the fact that they know its fraudulent debt and wont do anything to clear it.
12/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 109XX	Web
I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?
03/24/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 322XX	Web	Older American, Servicemember
I have XXXX XXXX account. I have been having problem with them for non payment which is not true. There cut off my services XX/XX/XXXX because they said I missed payments but when there checked the records they said it was there mistake and my payments would be {$38.00} for 12 month then back to regular payments {$48.00} for 10 months. So, is XX/XX/XXXX they had come back to reconnect my services Plus in XX/XX/XXXX they sent new contract that was on my My ADT App for {$48.00} without my signature. This is not what was told to me on the telephone XXXX XXXX. Now, XXXX XXXX disconnect my services again and sent my filing to debt collection - Virtuose Sourcing Group stating I owe {$1800.00}
06/02/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	KS 664XX	Web	Servicemember
Enrolled at XXXX College in XXXX Colorado, in XXXX of 2009. I did not attend XXXX class or use any resources of the college and tried calling XXXX.. A counselor or student advisor at the time.. To tell her I am not attending and drop me from the school ... She never called me back or responded and I was unable to go to the college in person at the time.. Therefore XXXX College went ahead and charged me at the time {$4900.00}. That debt is now with a collection agency and now the total due is {$6300.00}. I never accepted the debt. The collection agency now has called me over and over and at unusual hours. Past regular business hours. They 've called my father recently.
07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91761	Web
I received notification by XXXX my credit tracker that showed a company by the name XXXX placed a collection account on my credit report on XXXX/XXXX/2015 for the amount of {$1100.00} and the creditor XXXX. I have never received anything from XXXX owing any money and I never received anything from this collection company virtuoso stating I owed any money and allowing me to dispute the account as it is my legal right. As you can see from the attachment I provided XXXX. My account is still active with them and currently owe the money to the company not this collection agency. This account is not in a collection status XXXX.
08/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 121XX	Web	Servicemember
A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.
11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 23464	Web
XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?
05/24/2018	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32712	Web	Servicemember
I have been receiving numerous calls from XXXX. When i answered the line was silent. So I block the contact in my phone and it went straight to voice mail. Now I get numerous voicemails with nothing on them. The calls and voice mails have been 2 or 3 a day for over 3 weeks. I've tried to call the number and all I get is a recording that it is not during business hours. This was between XXXX and XXXX est. that I've called. Then the recording goes on to say go to some website to pay a debt. I think this is a scam and should be shut down. Thank you
04/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 65804	Web	Older American, Servicemember
I terminated a home security contract due to poor or non-existant service. The company XXXX neglected to provide guaranteed reporting to my local fire department or other emergency services when I had an in home fire. I had to put the fire out myself and request fire department confirmation that the fire was indeed out and there were no additional safety concerns at that time. I am now being harassed on a multiple times daily robo-calls from a third party named Virtuoso Sourcing Group in regards to this matter.
06/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33435	Web
XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 63026	Web
I discharged a debt in chapter XXXX bankruptcy that was owed to XXXX XXXX XXXX College. Despite this fact this debt keeps being sold to new collection agencies and I keep being contacted in an attempt to collect this discharged debt. I have informed XXXX previous collection agencies that this debt was discharged in bankruptcy and included as a listed creditor in my bankruptcy. Instead of this being the end of it the debt just keeps getting sold to a new collection agency and I 'm again contacted.
11/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91306	Web
XXXXXXXX XXXX XXXX XXXX XXXX has kept calling my husband 's mobile phone ( XXXX ) asking for me but never stating their purpose, XXXX, but never on my mobile phone of : XXXX in order to state the nature of the call. To my knowledge, they had both of our phone numbers and had automatic payment setup but instead now they have forwarded us to a collections agent! This is not the customer service that my XXXX XXXX provided when he XXXXXXXX XXXX XXXX as a XXXXXXXX XXXX- this is extortion.
03/23/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92064	Web
I filed for bankruptcy in XX/XX/XXXX and had it discharged in XX/XX/XXXX. The debt trying to be collected was from XX/XX/XXXX and included in my bankruptcy. I have mailed a certified letter to the company with proof and even disputed with XXXX and nothing is being removed. I am asking for help to remove this item. Company reporting it is : VIRTUOSO SOURCING GROUP Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Report Number XXXX Account Number XXXX
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95648	Web
I was sent to collections by XXXX cellular serivice. I did not receive service from my home unless I walked down the street they told me that I had a tower 1/2 a mile from me, I told them I still am not receiving service in my home, I needed to cancel service they refused, and then asked me if I turned in all my cell phones, they would credit my account and bring it to a zero balance that did not happen. I have been sent to collections to Virtuoso Sourcing Group.
11/21/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 770XX	Web
I received a call from Virtuoso Sourcing regarding a collection for XXXXXXXX XXXX XXXX from a debt in 2014. I researched XXXX XXXX XXXX and realized that they are a utility company in Florida. I have lived in Texas my entire life and have never owned property in Florida. I disputed the collection with XXXX but the XXXX website is n't functioning so that I ca n't submit a dispute with XXXX. The date of the bill was 2014 when I had another electricity provider.
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78572	Web
The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. XXXX XXXX XXXX has no responsibility over the debt of XXXX XXXX XXXX XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 780XX	Web
A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.
02/24/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37013	Web
I have no knowledge of this account at all as far as opening it. I just settled this debt with XXXX XXXX , XXXX in XX/XX/XXXX. Now it has been added back without me even recieving notification via mail about the debt, just an alert from the credit bureaus XX/XX/XXXX. The company has not answered calls, or responded back to messages. I am attempting to close on a home, and this unidentified debt has impacted the process tremendously.
10/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 390XX	Web
COMPANY KEEPS CALLING BUT WILL NOT GIVE ME ANY INFORMATION OTHER THAN I OWE A DEBT AND THAT THEY ARE TRYING TO COLLECT. THEY ALSO KEEP ASKING ME TO CONFIRM OR GIVE MY FULL SSN, DOB AND MAILING ADDERESS. THEY ARE CALLING THEMSELVES THE VIRTUOSO SOURCING XXXX WHEN YOU CALL THE # YOU ARE TOLD TO GO ONLINE TO XXXX OR TO WAIT FOR AN AGENT. THE WEBSITE TAKES YOU TO A PAGE THAT IS FOR SALE AND UNREGISTERED.
02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30039	Web	Servicemember
Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report.
08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 43147	Web
a business called virtuoso sourcing group, llc is contact us regarding a disputed XXXX bill. they have called every day for the past XXXX weeks. we have made repeated requests to stop calling and all they say is they do n't have to stop. they often call more than once a day. we have advised we dispute the bill and will not pay and dont call yet they persist
06/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76053	Web
This debt collector send me a letter i immediately call him to dispute the amount in question he promise to send me a prove from XXXX i did not receive any evidence from him. the next thing i saw is a negative report on my credit report over a debt that has not yet been establish and connot be establish this has to do with a phone bill according to him.
06/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 541XX	Web	Servicemember
Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time
06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 01810	Web
I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor heard about. I realized that my credit report had negative items that i was n't responsible for and i believe that my identity was compromised and my name was in collection agency.
05/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX XXXXX	Web
I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal
06/16/2023	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 628XX	Web
VSG Contacted my step-daughter and told her I had a {$1600.00} bill that was getting ready to go to collections. I do not know how they got my step-daughters phone number and they definitely shouldnt be discussing my debt with her. Attempts to contact VSG today have been unsuccessful. I will update with any further communication from them.
05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90007	Web
It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.
06/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
Hello this company has called me over 25 times in one day. I asked the represensative to place me on the do not call list and she said she was not going to I asked her to call her manager she refused and hung up the representative has continue to harass me over and over calling every 2 to 3 min after each other
06/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33186	Web
This is a charge for XXXX service, i had cancelled my service with XXXX and return the phones, i spoke to a representative by the name of XXXX and he advised me that i will not be responsible since i have return my phones, Please remove this inquiry as it is affecting m y credit score.
12/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web
A notice of cease and desist, as well as a request for proof of a contract was sent to the Virtuoso Sourcing Group on XX/XX/2018. However, they refuse to respond. Instead harassing and contacting me everyday, 3-4 times a day since the date listed on the notification letter of XX/XX/2018.
08/08/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 075XX	Web
Company continue to call my phone, my parents landline phone which they have NEVER been given permission to, and other numbers related to me. They will constantly call throughout the day and they do not say who they are or what they want which is why I refuse to answer their calls.
09/08/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 179XX	Web
Do not have an contract/agreement with Virtuoso Sourcing to pay aXXXX dollars collection. Never received information about this debt. But it is on my credit report. Mailed a validation letter to Collection agency. Waiting for response. Already worked out a payment plan with XXXX.
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90008	Web
On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.
06/15/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85248	Web	Older American, Servicemember
Receive multiple calls a day won't every discuss number given to call back is never answered, Goes to voice mail but does not leave a message. Every time I call thme there office is closed. I don't owe anybody any debt. I have an XXXX credit score. Thanks XXXX XXXX XXXX XXXX
06/04/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85306	Web
This is a complaint against Virtuoso Sourcing Group, this company is constantly calling, has not proven that they have a right to collect on the debt, will not tell me who they represent, i have asked them to send a letter, I want them to stop calling me
02/07/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39120	Web	Older American, Servicemember
I have contacted XXXX on numerous occasions to cancel their services, due to the fact the equipment did not work in my area and I was unable to reach their repair services to correct the issue. Therefore the debt is not owed.
06/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35603	Web
XXXX I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it wa s Virtuoso which I received no notice what so ever via mail. Which violated my rights to dispute.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 760XX	Web
i have not received notice of my right to dispute this debt. However this account is showing on all XXXX of my credit reports. Please look into this and i am willing to testify against this company for all violations of law
05/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WI 53224	Web
Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.
02/27/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web	Servicemember
Do not have an contract/agreement with Virtuoso Sourcing to pay a XXXX dollars collection. Never received information about this debt.
10/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89014	Web	Servicemember
I have received no communications on this debt. by phone or by mail. I can not even confirm what the debt is for.
02/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 761XX	Web
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.
05/30/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32065	Web	Servicemember
I never signed any paperwork with this company stating that I promised anything.
06/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 546XX	Web
XXXX XXXX XXXX chapter XXXX bankruptcy attny XXXX XXXX
04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77044	Web
The account was paid in full.
01/15/2024	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web	Older American, Servicemember

09/26/2023	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80517	Web

08/07/2023	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98258	Web

04/23/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98052	Web

12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60015	Phone	Older American

09/11/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30004	Web

07/31/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WA 98948	Web

07/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61832	Web

05/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	RI 02909	Phone

05/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91106	Postal mail

04/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77070	Web

03/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22041	Web

02/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77078	Web

02/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54636	Web

02/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 76014	Web

12/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66048	Fax

11/14/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34983	Postal mail

09/13/2018	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 21206	Web

08/21/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53703	Web

07/18/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48219	Web

06/28/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75032	Web

05/15/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48135	Web

04/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 47909	Fax

03/27/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43119	Web	Servicemember

03/19/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17821	Web	Older American

03/14/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63933	Phone

03/01/2018	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 43054	Web

02/24/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80134	Web

01/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20018	Web

12/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 93704	Web

11/30/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

11/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98059	Web

10/24/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 43119	Web

08/21/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33711	Web

08/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80229	Web

08/01/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 36605	Web

06/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NH 03431	Postal mail

02/07/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11803	Postal mail

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11206	Web	Servicemember

01/05/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	CO 80126	Web

11/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PR 00729	Web

09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60657	Web

09/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75068	Web

08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 19805	Web

08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90280	Web

07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 89166	Web

07/27/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60123	Postal mail

06/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10472	Web

06/17/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11412	Web

05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63021	Web

03/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01851	Web

03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32547	Postal mail

01/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19150	Referral

12/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80123	Web

10/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 68114	Web

10/07/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	WI 53143	Web

10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33166	Web

09/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11204	Web

09/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 46229	Web

09/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60640	Referral

07/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32826	Web

07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 78645	Web

06/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75106	Web

05/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	GA 31768	Web	Older American

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 36054	Web

01/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45377	Web

12/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98109	Web	Older American

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32832	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77350	Web

12/11/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TX 78383	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34471	Web

11/12/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IL 60061	Web

10/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46254	Web

09/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92804	Web

08/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28462	Web	Older American, Servicemember

08/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77007	Web

08/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 23860	Web	Older American, Servicemember

07/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MN 55303	Web

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30096	Phone

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10033	Phone

07/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77038	Web

06/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32825	Web

06/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60202	Web

05/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77584	Web

05/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97365	Web	Older American

04/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34731	Referral

04/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77021	Web

02/20/2014	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	CA 91016	Web

02/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	FL 32310	Web

02/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32258	Web

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30093	Web

01/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85050	Web

01/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	XXXXX	Web

01/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76248	Web

12/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30253	Web	Servicemember

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53715	Phone	Older American

11/19/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	CO 80012	Web

11/08/2013	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33321	Web

11/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94925	Web	Older American

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75038	Web

09/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91786	Phone

09/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45434	Web

08/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46350	Web

07/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78220	Web