| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I'm at my wit 's end in dealing with a Texas collection agency.
Williams, Rush and Associate acquired what they claim is my debt from a previous employer : XXXX XXXX.
More than five years ago, I had a modest employee account with XXXX XXXX that was being paid through a payroll deduction. if ... this is the same account the collection amount has been GROSSLY INFLATED.
I left the employ of XXXX XXXX ( XXXX, Texas ) in XX/XX/XXXX.
I believe any legal collection activity on this alleged debt is well outside of the four year Texas Statute of Limitations.
Williams Rush & Associate have contacted me by telephone on numerous occasions and in violation of the Fair Debt Collections Practices Act, verbally threatened to : 1. Have my Commercial Driver License Suspended 2. Flag my XXXX report to prevent me from getting another job in the XXXX industry.
3. File suit against me and Garnish my wages ( in Texas? ).
4. Contact my current employer, as well as my friends and family, ( all listed on my original job application ) for the purpose of embarrassing me into doing the right thing.
Williams, Rush and Associate have verbally identified themselves as Collection Attorneys representing XXXX XXXX.
XXXX XXXX is quoted online acknowledging that their collection attorneys are very aggressive.
Also, on the Williams Rush & Associate Better Business Bureau page they seem to be representing themselves as Attorneys & Lawyers Collection Law..
Williams, Rush and Associates is NOT A LAW FIRM. ( I call anonymously and asked ).
It is my understanding that falsely claiming to be an attorney is a violation of the FDCPA.
I've sent several detailed letters by registered mail, requesting that Williams, Rush and Assoc. VALIDATE the collection account ( if they were able ) or immediately DELETE the derogatory account.
Even before the Statute of Limitations expired on this account, they failed to provide me with an accounting explaining how this debt became so incredibly inflated or any proof of their legal authority to collect this account on behalf of my former employer, XXXX XXXX.
While Williams Rush & Assoc. repeatedly ignored my request for validation or verification of this account. When contacted by XXXX and XXXX credit reporting agencies, Williams Rush and Associate continue to verify and update this defamatory and derogatory information on my credit reports.
The assertion that they verified the account for the credit bureaus, isn't believable or credible as they have failed to provide any supporting documentation when requested.
It is my understanding the Court has determined that the act of verifying and/or updating collection accounts on consumer credit reports are Collection Activities. and are prohibited activities after the Statute of Limitations has expired.
Credit reporting constitutes an attempt to collect a debt. See, e.g., XXXX XXXX XXXX XXXX 145 F.R.D. 614, 623 ( D.P.R. 1993 ) ( a creditors report of a debt to a consumer reporting agency is a powerful tool, designed, in part, to wrench compliance with payment terms ) ; XXXX XXXX XXXX 139 B.R. 700, 701 ( Bankr.S.D. Ohio 1991 ) ; XXXX XXXX XXXX XXXX, 973 F.Supp. 1320, 1331 ( D.Utah 1997 ).
Subsequent to the Statute of Limitations expiring, Williams, Rush and Associates CONTINUE to access my credit reports, without a permissible reason, a clear violation of the Fair Credit Reporting Act.
I recently did some research on XXXX XXXX XXXX, the owner of Williams, Rush and Associates.
According to the website XXXX, XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with convictions for : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( numerous offenses ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
If this information is correct, I am extremely concerned about pursuing this matter directly with Williams, Rush and Associates. It definitely seems that dealing with XXXX XXXX, already XXXX XXXX XXXX XXXX XXXX would not be advisable.
I'm stunned that XXXX XXXX can even be a debt collector in the State of Texas with his background of violence and financial crimes. Is there no licensing or background verification required before allowing a XXXX XXXX to destroy the financial reputation of Texas citizens?
It doesn't take very long ONLINE, to find numerous complaints against Williams, Rush and Associates and XXXX XXXX.
Williams Rush and Assoc. DO NOT PLAY BY THE RULES and I can't imagine a way to deal with them without putting myself at an unacceptable risk.
At this point, I simply want this incorrect, unverified, defamatory and derogatory information DELETED from my XXXX XXXX and XXXX Credit reports.
It is my understanding that the law requires that reported information be accurate and verified within 30 days of a dispute or be DELETED from the credit reports.
The collection account reported by Williams, Rush and Associates is the ONLY derogatory item on my XXXX and XXXX Credit Reports and as such, is extremely damaging to my financial reputation.
I've read a number of other complaints on the CFPB website and it appears that Williams, Rush and Associates ' response is almost always : " Company believes it acted appropriately as authorized by contract or law. '' This is an unfunny joke, in my humble opinion, this company is an ongoing criminal enterprise and is exactly the type of miscreants that the Consumer Financial Protection Bureau should be pursuing.
I have dozens of pages of supporting documents, letters, and even XXXX XXXX criminal record if these items are of interest to you, please contact me and I will forward them by " snail mail ''.
If you can be of service in this matter, I will be extremely and eternally grateful.
If this request is outside of your responsibilities, please refer me to another agency that can assist me.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I'm at my wit 's end in dealing with a Texas collection agency.
Williams, Rush and Associate acquired what they claim is my debt from a previous employer : XXXX XXXX.
More than five years ago, I had a modest employee account with XXXX XXXX that was being paid through a payroll deduction. if ... this is the same account the collection amount has been GROSSLY INFLATED.
I left the employ of XXXX XXXX ( XXXX, Texas ) in XX/XX/2012.
I believe any legal collection activity on this alleged debt is well outside of the four year Texas Statute of Limitations.
Williams Rush & Associate have contacted me by telephone on numerous occasions and in violation of the Fair Debt Collections Practices Act, verbally threatened to : 1. Have my XXXX Driver License Suspended 2. Flag my DAC report to prevent me from getting another job in the XXXX industry.
3. File suit against me and Garnish my wages ( in Texas? ).
4. Contact my current employer, as well as my friends and family, ( all listed on my original job application ) for the purpose of embarrassing me into doing the right thing.
Williams, Rush and Associate have verbally identified themselves as Collection Attorneys representing XXXX XXXX.
XXXX XXXX is quoted online acknowledging that their collection attorneys are very aggressive.
Also, on the Williams Rush & Associate Better Business Bureau page they seem to be representing themselves as Attorneys & Lawyers Collection Law..
Williams, Rush and Associates is NOT A LAW FIRM. ( I call anonymously and asked ).
It is my understanding that falsely claiming to be an attorney is a violation of the FDCPA.
I've sent several detailed letters by registered mail, requesting that Williams, Rush and Assoc. VALIDATE the collection account ( if they were able ) or immediately DELETE the derogatory account.
Even before the Statute of Limitations expired on this account, they failed to provide me with an accounting explaining how this debt became so incredibly inflated or any proof of their legal authority to collect this account on behalf of my former employer, XXXX XXXX.
While Williams Rush & Assoc. repeatedly ignored my request for validation or verification of this account. When contacted by XXXX and XXXX credit reporting agencies, Williams Rush and Associate continue to verify and update this defamatory and derogatory information on my credit reports.
The assertion that they verified the account for the credit bureaus, isn't believable or credible as they have failed to provide any supporting documentation when requested.
It is my understanding the Court has determined that the act of verifying and/or updating collection accounts on consumer credit reports are Collection Activities. and are prohibited activities after the Statute of Limitations has expired.
Credit reporting constitutes an attempt to collect a debt. See, e.g., XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( a creditors report of a debt to a consumer reporting agency is a powerful tool, designed, in part, to wrench compliance with payment terms ) ; Matter of XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) ; XXXX v. XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXXXXXXXX/XX/XXXX ).
Subsequent to the Statute of Limitations expiring, Williams, Rush and Associates CONTINUE to access my credit reports, without a permissible reason, a clear violation of the Fair Credit Reporting Act.
I recently did some research on XXXX XXXX XXXX, the owner of Williams, Rush and Associates.
According to the website XXXX, XXXX XXXX is a XXXX XXXX who was XXXX XXXX XXXX, with XXXX for : XXXX XXXX XXXX, XXXX of a XXXX XXXX ( numerous offenses ), XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX- XXXX XXXX XXXX.
If this information is correct, I am extremely concerned about pursuing this matter directly with Williams, Rush and Associates. It definitely seems that dealing with XXXX XXXX, already convicted of XXXX XXXX XXXX, would not be advisable.
I'm stunned that XXXX XXXX can even be a debt collector in the State of Texas with his background of XXXX and XXXX XXXX. Is there no licensing or background verification required before allowing a XXXX XXXX to destroy the financial reputation of Texas citizens?
It doesn't take very long ONLINE, to find numerous complaints against Williams, Rush and Associates and XXXX XXXX.
Williams Rush and Assoc. DO NOT PLAY BY THE RULES and I can't imagine a way to deal with them without putting myself at an unacceptable risk.
At this point, I simply want this incorrect, unverified, defamatory and derogatory information DELETED from my XXXX XXXX and XXXX Credit reports.
It is my understanding that the law requires that reported information be accurate and verified within 30 days of a dispute or be DELETED from the credit reports.
The collection account reported by Williams, Rush and Associates is the ONLY derogatory item on my XXXX and XXXX Credit Reports and as such, is extremely damaging to my financial reputation.
I've read a number of other complaints on the CFPB website and it appears that Williams, Rush and Associates ' response is almost always : " Company believes it acted appropriately as authorized by contract or law. '' This is an unfunny joke, in my humble opinion, this company is an ongoing criminal enterprise and is exactly the type of miscreants that the Consumer Financial Protection Bureau should be pursuing.
I have dozens of pages of supporting documents, letters, and even XXXX XXXX criminal record if these items are of interest to you, please contact me and I will forward them by " snail mail ''.
If you can be of service in this matter, I will be extremely and eternally grateful.
If this request is outside of your responsibilities, please refer me to another agency that can assist me.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
| 07/22/2022 |
No |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
To Whom it may concern, In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, Account # XXXX, named WILLIAMS RUSH & ASSOCIATES, has violated my rights.
Pursuant to 15 U.S.C 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
The HARRASING phone calls from WILLIAMS RUSH XXXX ASSOCIATES began around XX/XX/2021. Since then, they have called my phone several times a week, multiple times a day, during work hours from several different phone numbers leaving messages that I still have saved on my phone. I am an XXXX XXXX XXXX XXXX and on multiple occasions I have told them I was busy working, and I can not talk on the phone at that time, yet the associate would continue to engage in conversation with me forcing me to have to hang up the phone. I am usually over the road working for weeks at a time for 12-14 hours a day and my primary phone is also my work phone that my job uses to stay in contact with me. For that reason, I have requested that WILLIAMS RUSH & ASSOCIATES do not call me because they always call while I am working.
Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
In 2021, WILLIAMS RUSH & ASSOCIATES threatened that they could get my XXXX revoked if I did not settle the alleged debt. They also threatened to contact my current employer regarding the alleged debt in an attempt to have me terminated. They harassed my wife with phone calls to the point that she suffered an XXXX XXXX and needed XXXX XXXX because she feared adverse action from WILLIAMS RUSH & ASSOCIATES due to them threatening my livelihood.
Pursuant to 15 U.S.C 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; WILLIAMS RUSH & ASSOCIATES has continuously violated my right to privacy by calling multiple family members, including my mother and brother, stating that they are a debt collection agency thus notifying them of the alleged debt.
The initial contact between myself and WILLIAMS RUSH & ASSOCIATES was made by phone, not written correspondence despite me making two requests, by mail and by phone, for a written validation of debt. I request validation of the debt over the phone and was told that I could choose to receive validation by USPS mail or email but NOT BOTH. I responded by stating that I preferred the documents be sent via USPS mail, but the agent insisted that I receive the documents via email. The agent finally agreed to send it via USPS mail, but I never received anything. After speaking with them for the final time weeks later, the agent said that WILLIAMS RUSH & ASSOCIATES would be emailing me the documents despite me requesting mail delivery. I reminded her that she told me that I could ONLY have the documents sent to me by USPS mail OR email but not BOTH and I chose USPS mail. She responded, " That's okay '', confirmed my email address, and told me to expect an email of the loan agreement. I STILL have not received adequate debt validation documentation via USPS mail, as requested, for MY PERSONAL RECORD.
|
| 03/04/2022 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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On XX/XX/2022 @ XXXX, I called and spoke with an employee of William Rush XXXX XXXX concerning account # XXXX. During our conversation the employee of William Rush XXXX XXXXXXXX violated several statues of the Fair Debt Collections Practice Act. First, before we started discussing the account she never stated that she or her employer was a debt collection agency until the middle of our conversation, also she accused me of breaking the law when she stated that I gave the original creditor the wrong email address on the application and because I didnt update my email address with the original creditor I was further committing a crime. She stated by law I must contact the creditor if the email address on my application has changed. My concern is how does she know I gave the wrong information. Isnt it reasonable to say that the employee of the original creditor entered my information in wrong during the application process? As stated above XXXX XXXX and Associates violated the follow statues : 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
|
| 01/26/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I called William Rush and Associates concerning a debt that they are reporting on my credit file. I called and spoke with a XXXX around XXXX CST. I asked XXXX if I could make a payment arrangement on the debt that they claim I owe. She gave me XXXX options, XXXX to pay in full ; XXXX to pay a settlement amount ; XXXX to pay 25 % of the original debt and make monthly installments. I told XXXX that I was unable to pay any of the amounts that she had provided and that I was willing to pay {$100.00} towards the debt and make arrangements afterwards. XXXX informed me that if I did not pay the debt by XXXX the following day then she would " advise her client to move forward with theft charges. '' I told her that was unecessary but I still did not have anything close to the amounts that she was requesting for me to pay. She further stated that if she advised her client to move forward with theft charges that there would be an additional {$1500.00} added to the overall debt amount owed. I told her that I did not have that money but I am willing to pay {$100.00} towards the debt and she again told me that I had until XXXX on the following day to pay or she would advise her client to move forward with theft charges. She further advised me that I have credit cards that have {$1000.00} balances, I have a car loan, and I have student loans that were showing paid on time and that I needed to call them and ask for a credit increase and tell my car loan servicer that I needed to skip a payment in order to pay William Rush & Associates. I told her that I only have {$13.00} available credit on the credit card and that I do not have anything other than what I told her I had. She then told me to call my family members, clergy, etc. in order to gather the money to pay. She further stated that I have been attempting to purchase something since XX/XX/XXXX and I needed to pay this debt prior to purchasing something else. I ended the call. Shortly thereafter, at XXXX I called back in hopes I would get a different representative and was connected to XXXX again. I asked her about the payment arrangements options that she had originally given me on the first call and she repeated them. I asked her if there was anyway to pay next week and she stated that I had until XXXX tomorrow in order to pay or she would advise the client to move forward with criminal theft charges. I told her that I did not have that amount to pay and that she did not have to wait until XXXX tomorrow that she could advise the client to move forward with theft charges right away. She said that she would and ended the call.
|
| 04/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
In early XX/XX/XXXX I received a notice of a collection account placed on my XXXX credit report from Williams, Rush and Associates, LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The original creditor is noted as XXXX ( educational ) for a debt from XX/XX/XXXX. This is an unknown account to me so I took steps to dispute the transaction with XXXX. A few days after the appearance on my credit report, I received a phone call at home from the collector. I explained that I was unaware of this debt and had no idea what it was. The agent said a letter had been sent back in XX/XX/XXXX, however, the address they had on file was an address I have not lived at since XX/XX/XXXX. Interestingly, upon further review, I see that Williams Rush had done a soft pull on my credit report in XX/XX/XXXX, which means they would have had access to my correct address as well as the fact that a debt from XX/XX/XXXX should have had the correct address listed with the original creditor. I asked for something be sent to me in writing at my correct address so I can dispute the debt. To date I have received nothing from Williams Rush giving me the opportunity to respond with a validation request.
Currently, there is an extended fraud alert placed on all three of my credit reports in late XX/XX/XXXXas it was discovered that someone was using my social to try to obtain credit cards throughout XX/XX/XXXX and XX/XX/XXXX. The second call I received from Williams Rush in XX/XX/XXXX, the agent claimed that I would have to prove identity theft with them in order to not be liable for the debt and I would need to file a police report. Per discussion with my local police department, they do not do identity theft reports unless actual theft has been proven, which it has not. I am very frustrated that I can not get anything written or sent to me from this collection agency regarding a debt for me to be able to validate or dispute it. They are also responding to credit report disputes as valid without proof.
My research shows that XXXX ( the original creditor ) is a tribal payday lender, who is not licensed to lend in the state of Texas.There are multiple complaints against this company for their illegal practices. I find it very concerning that a collection agency is reporting collection accounts on unproven payday loans on credit reports.
|
| 11/15/2023 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The original utility was XXXX XXXX, this is a 3rd party utility that provides gas supply through the distribution of your typical municipal or private utility owner at supposedly reduced rates. All billing for their service is handled through local utility, which provides distribution and billing and pays XXXX. No payments are provided by the subscriber to XXXX, all billing is handled through XXXX XXXX XXXX ( the local utility distributor ).
I moved from a location where i had subscribed to XXXX gas product to a new location where it wasn't offered. I received a large bill from them with a very large cancellation charge. I reached out to them to dispute this based on the fact that i moved to a location where they can't provide their service. They responded by stating they would remove the cancellation fee. This conversation happened over the phone and email confirmation of the actions. This occurred in approximately XXXX of 2022. I never received an updated invoice or bill after this interaction occurred. One year later i receive a collection letter from XXXX XXXX XXXX along with a collection account placed on my credit score. I reach out to them to get a debt verification of the owed amount. They never provided a debt verification. I reached back to to XXXX XXXX to inquire about why this went to a collection account and to address it directly with them. They provided an outstanding balance that included the high cancellation fees. I sent them the communications where they removed the fees. They apologized and provided me an updated amount without the fees. I paid this amount. I reached out to the collection agency and showed them my communications, showing that i paid the outstanding balance. For months, the collection agency, XXXX XXXX, has stalled and refused to acknowledge my payoff to the original utility. All of my communication results in them stating that they need to confirm they amount with original utility. I have multiple email communications stating i am paid in full, which they are unwilling to accept as fact. I still have a collection account on my credit report.
|
| 08/02/2018 |
No |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Began calling on XX/XX/XXXX, called me 3x and left messages not informing me of what they wanted, but demanding I call immediately ( messages are saved ), called my father and lied about who they were on XX/XX/XXXX as well as claiming I gave them permission to contact him and called me still not leaving info on who they were the same day.
I called and left a message on XX/XX/XXXX telling the callers not to contact my family and to stop claiming they had permission from me as they explicitly did not have permission to contact anyone other than myself and after a brief time I spoke to XXXX that same day who was rude and threatened to sue me, garnish my wages and said they had already damaged my credit by filing twice on my credit. She initially would not tell me who she was or what it was for until I confronted her when she admitted it was for a 3yr old debt to a school I went to. She claimed I owed over {$200.00} and I said I would contact the school and handle it directly with them. This call should be recorded as she claimed it was.
I spoke directly to the school they claimed they were collecting from and was told I had no debt, after pushing for more information from XXXX I was informed I did have some books I owed money on and that the debt may have been sold. I requested to handle it directly with them since the company was claiming I owed more than what the school was and due to the harassment. The school said they would contact me via email or phone to confirm I could pay them directly.
Contacted my sister and lied about who they were as well as also telling her I gave them permission on XX/XX/XXXX after I had already told them to stop harassing my family.
I received more calls on the XX/XX/XXXX myself as well as the XX/XX/XXXX and XX/XX/XXXX.
The company also harassed my aunt on XX/XX/XXXX and refused to identify themselves to her.
At date I have not heard back from the school and have refused all further contact with the debt collectors.
I'm happy to pay my books off, but not to the company that is harassing me and my family.
|
| 08/01/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A debt collector named WILLIAM RUSH & ASSOCIATES has been in contact about an alleged debt. There is no contract between XXXX XXXX and WILLIAM RUSH & ASSOCIATES. There has been no proof as to why I am being contacted. WILLIAM RUSH & ASSOCIATES has only shown me an alleged contract from another company and no where on this paper is WILLIAM RUSH & ASSOCIATES listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from WILLIAM RUSH & ASSOCIATES. I have also given notice to XXXX about this identity theft. I submitted my identity theft report to XXXX with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done.
I demand a debt validation as it pertains to the FCRA from WILLIAM RUSH & ASSOCIATES, with a wet ink signature. If this can not be I demand the removal of WILLIAM RUSH & ASSOCIATES from my credit report.
I demand XXXX to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct.
I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.
|
| 05/30/2021 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
To Whom it may concern As the origian creditor ; Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same under 15 USC 1602 ( l ) which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Also pursuant to 15 USC 1692d ( 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property or any person. William and Rush has threatened to garnish my taxes to in which I am the consumer and they have violated my right to privacy ; pursuant to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy.
- William and rush associates ( acct : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
|
| 07/23/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
On XXXX XXXX I received an alert that a collection account had been posted to my XXXX account. I went onto my XXXX account to find that a debt collection company called Williams Rush and Asso llc had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to williams rush and asso.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.
|
| 05/16/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is WILLIAM RUSH & ASSOCIATE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, WILLIAM RUSH & ASSOCIATE # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) WILLIAM RUSH & ASSOCIATE # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation WILLIAM RUSH & ASSOCIATE # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where WILLIAM RUSH & ASSOCIATE # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. WILLIAM RUSH & ASSOCIATE # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 04/04/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I got a federal loan for school, I quit 2 weeks after starting, the school refunded almost the full loan back except for the portion for the 2 weeks which im working with my original provider for payments. I was n't aware that the school itself was charging me for the loans they refunded and they sold the debt to a debt collector called William Russian associates. The very first day I spoke to them they told me they have a pending case against me to garnish my wages and if I want to prevent them from going forward with the case I would have to pay the a down payment of {$1800.00} and monthly payments of {$370.00}, I spoke to them at XXXX and they told me I had until XXXX. the same day to make a payment of atleast {$500.00} towards the down payment or else they were going to take me to court to garnish my wages. I told them I was willing on paying the debt but I could n't afford what they were asking, they never took any type of financial assessment to help put me on a payment arrangement they did n't care that I did n't have the money or that I was willing to pay they only cared about getting the amount of money they asked for by the time they gave me. I feel like that 's really unfair treatment especially since im willing to pay and that was the first time I ever heard about owing that debt and they want to make it so I cant afford my basic living expenses because they do n't want to work with me.
|
| 03/15/2022 |
No |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Around XX/XX/XXXX and XX/XX/XXXX Williams Rush & Associates LLC, contacted my mother whom resides in a different state than me, discussing information for a debt they claim that I owe them. My mother passed the message onto me right away after they told her they would revoke my XXXX XXXX license. I reached out to them via telephone as soon as I got the message. After, receiving nothing but demands, threats, and unprofessionalism I ended the phone call in told them I would prefer to communicate via mail correspondence.
Since XX/XX/XXXX up until XX/XX/XXXX I have been sending certified mail correspondence requesting more information seems to they had already put a {$3000.00} debt collection on my credit report. For months they failed to reply to my letters within a timely manner up until today XX/XX/XXXX in which they still failed to provide me the information requested. Instead, they sent me only a contract from they original creditor whom I no longer hold a contract with or owe any monies. It has been well over 120 days I have been patient with them in they failed to comply by any of your federal laws. This is an act of Defamation, a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
|
| 06/16/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from Williams Rush and Associ. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with Williams Rush and Associ. I have also file a dispute with FTC in this matter.
|
| 09/09/2020 |
No |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
1. On XX/XX/XXXX, I borrowed {$420.00} from XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports.
2. XXXX XXXX sold account to William Rush and Associates ( amount unknown ) 3. Williams Rush reported to Credit Bureaus XX/XX/XXXX.
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them.
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay 1/2 of the debt in order to reverse the 61 points decreased from my credit score. I stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7. The attached documents show I paid a total of {$580.00} to XXXX XXXX. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.
|
| 05/18/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Williams Rush and Associates as continued to contact me harass me in regards to an account that XXXX sales and lease charged off. I have since then paid the debt with the arbitration company that hired. Williams Rush and Associates are claiming to be attorneys and they have threatened to have me arrested for theft of merchandise and I have told them the debt was settled in which they could see own their end. I believe that XXXX sold all of my accounts to Williams Rush but only provided XXXX account number because they both have provided the same total amount due. then XXXX is who I settled all charges with and they told me I do not owe their client at this time I also shared what was going on with Williams rush and Associates and they asked me to contact the attorney generals office and I did. I do n't think it is fair that these companies and call and disguise themselves as attorneys and leave threats and harassing voicemails on someone 's phone especially when the debt has been settled. then posted the account to my XXXX credit report while XXXX was reporting the accounts as charge offs. They are not right at all and should their business should be shut down.
|
| 02/13/2023 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX they contacted me but before that they contacted my parents on XX/XX/XXXX. The company is Williams Rush & Associates LLC and they claim to have a debt I need to settle that is XXXX dollars. However I asked for the proof of debt via the phone call we had and they sent a document that had been modified to be XXXX. It was even in different writing and was a marker instead of a pen which is what I used to write on it. I immediately emailed back that this was not the original that I signed and it was a fraudulent document. Whoever that signed it after me I'm sure is the one who crossed it out to be a higher amount. I then told them after another phone call on the XXXX that I do not owe this debt because it is modified without my consent or awareness until it was sent to me. They then dinged my credit the next day XX/XX/XXXX and they put an amount on my report stating it was now XXXX dollars which is confusing since even the modified contract they have to show says it's XXXX percent interest and I left XXXX XXXX in XXXX so how did it get to that amount? They are ruining me for something that is not mine and it is hurting me mentally
|
| 02/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After review my credit profile on XX/XX/XXXX Identified a discrepancy with account listed under Williams Rush & Associates LLC and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect in my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and second validation letter is send out this day. After reviewing credit report again on XX/XX/XXXX ( This account is involved in litigation ), there have been no updates and account is still reflecting in the report. I do not believe the account belongs to me nor do I believe that creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credits bureaus until adequate validation has been received proving this account belongs to me and all information is correct.
|
| 12/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I had an installment loan for an online college. The initial date was XX/XX/XXXX. I tried the school for a while and was never able to schedule any exams with them. Do to the difficulty accessing the exams for class credit, I stopped using the program. I signed up for a local college and stopped making payments to the online school. This dept should be removed from my credit score in XX/XX/XXXX. The debt was closed on XX/XX/XXXX. The debt was purchased by XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX ; Representatives from this company call me several times a day ( I've block several of their numbers ). They have threatened me and even tried to contact relatives and the school I currently attend. They have threatened that they will block my XXXX license, send the sheriff to arrest me at my school and even at my child 's school. There is no account number for this company on my credit report and they would not tell me any number or identifying information when I requested it.
|
| 01/17/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XXXX XXXX, XXXX while reviewing my credit report I noticed a debt was recently reported by Williams , Rush & Associates for a contract that I signed with XXXX XXXX in XXXX, TX. The amount of debt reported was {$8400.00}. On XXXX/XXXX/XXXX I contacted them and informed them that the debt reported was inaccurate. In addition, I sent 2 letters to them stating the debt was inaccurate and should be removed from my credit report. I also asked them to verify the completeness and accuracy of the information being reported and to provide copies of any documents bearing my signature showing I was obligated to pay {$8400.00}. They have failed to provide documentation indicating I owe this amount. I have also asked that they discontinue calling my personal number as well as other numbers listed as emergency contacts and instructed them that all future communications should be in writing. They continue to make daily phone calls to both my personal number and emergency contact numbers.
|
| 09/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Williams , Rush & Associates LLC are calling me and identifying themselves as the XXXX XXXX division of credit. They are not who they say they are and I have filed a complaint with a lawyer who is seeking damages plus legal fees on my behalf. The company does not identify themselves as a debt collector until they intimidate me by saying I will be arrested or other infractions will happen to me if i dont pay this outstanding debt. The debt is a result of disenrolling from a school too late leavin me with a balance at the school level. They were served in XXXX with Federal Case # XXXX. They were told to cease calling and idenifying themselves falsely. They apparently have ignored the document because they are calling me more and more. I have all the messages recored on my voice mail server. They are an intimidating firm. My lawyer thinks they have no regard for the law because they are ignoring what they were served with.
|
| 05/20/2021 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is NOT a request for verification or proof of my mailing address. I am requesting that Williams Rush and Associates provide me with competent evidence that I have any signed binding contract giving Williams Rush & Associates legal obligation to collect and alleged debt.
Without any prior written notice from Williams Rush & Associates, my credit was adversely impacted. If this agency continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark from Williams Rush continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against Williams Rush & Associates.
|
| 07/14/2021 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have a debt collector who keeps calling me-Sometimes 2-3x a day- I called them back to find out what they needed- They are looking for my brother XXXX- I have told them, He does not live here, I have not seen or talked to him in a long time, and to stop calling me or I am seeking legal advice- I have told them that twice- They proceeded to call again, leaving voicemails, I still have some of them. I have spoken to an attorney about this I have deleted alot of the voicemails because my answering machine was getting full- but the most recent voicemailare from XXXX at XXXX ; XXXX XXXX at XXXX ; XXXX XXXX at XXXX other call times are : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX They call from like 2 or 3 different numbers some of these days they have called twice with two different numbers After speaking to attorney I am now writing them a letter and sending it certified
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
You stated that your Values Are to be Full Transparency Honesty and integrity are key staples at XXXX XXXX We're dedicated to protecting our clients ' image and brand Positive Collections We treat each client with dignity and respect!
However, as a consumer you are not being Transparent, honest nor showing Integrity when it comes to my privacy. While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX Texas XXXX XXXX, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
|
| 05/02/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by williams, rush & associates today. Today was the first day I was informed of a debt from XXXX XXXX XXXX representative of XXXX XXXX XXXX I told them this was a mistake and I have been trying to contact XXXX XXXX to fix the problem but they are not returning my phone calls. I told Williams , Rush & associates t hat I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unles s I payer % 50 of what I owed on the phone today. This is the first I ever heard of this debt, including from XXXX XXXX . This debt collector is being very unresonable, and I would imagine this can not be legal.
|
| 05/02/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by williams, rush & associates today. Today was the first day I was informed of a debt from XXXX XXXX XXXX representative of XXXX XXXX . I told them this was a mistake and I have been trying to contact XXXX XXXX to fix the problem but they are not returning my phone calls. I told Williams , Rush & associates that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless I payer % 50 of what I owed on the phone today. This is the first I ever heard of this debt, including from XXXX XXXX . This debt collector is being very unresonable, and I would imagine this can no t be legal.
|
| 06/09/2023 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
today XX/XX/23 around XXXX CT i was called from william rush debt collector and a woman called and automatically started trying to verify personal information which i told her i did not feel safe giving that information without knowing why she was calling and what company she is calling from. she stated well if you let me speak which i was and i was not rude and even calmly explained that i was and i restated i did not feel safe giving personal information without knowing what company she works for that and that's when she stated that i will just let them know to continue with their complaint and hung up on me. it wasn't till i called the number back at XXXX that the person who answered stated i was calling Williams Rush & Associates LLC and when i spoke that i was just called the line was disconnected again.
|
| 12/03/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2020, I spoke with XXXX XXXX of Williams , Rush & Associates LLC in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting.
Disclaimer : The name on the account reflects previous name.
|
| 09/01/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that WILLRUSH would verify the debt. So I took it upon myself to ask WILLRUSH for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was in contact with the debtor on a recorded call from their phone line. The debtor made very misleading statements to me. The debtor told me that my debt would stay on my record past the 7 year standard set by the CFPB because of the nature of the debt. She also threatened litigation. Her manner was very unpleasant. I believe that she made intentionally false statements in order to deceive me and under the FDCPA in order to attempt to get me to pay the debt. I am disputing and I would like this investigated and also I would like this debt removed. 15 U.S. Code 1692e - False or misleading representations. Bullet # XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please see attached for the debt validation process I have initiated with this debt collector Williams Rush and Associates LLC.
To summarize : XXXX XXXX - debt collector received conditional acceptance affidavit letter by certified mail stating that I would pay based on them honoring my legally protected debt validation process.
Reps continued to communicate with me absent of proof of claim.
XXXX XXXX XXXX XXXX XXXX received another certified letter, this time by a XXXX XXXX in good standing who resent my initial request and witnessed their non-response to the debt validation request.
I have in my possession a letter from the original creditor XXXX XXXX XXXX XXXX XXXX I do not owe a balance. See attached.
Thanks for your assistance with this matter.
|
| 05/31/2017 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Please be advised that I am disputing this collection due to the fact that Williams Rush & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX does not currently have a valid license in Texas to collect on Debts. I searched the Texas Secretary of State Web sites ( XXXX XXXX XXXX ) d ebt collector search and was unable to locate a bond on file. since I was unable to pull up the information online I called X/XX/ 17 to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all XXXX states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.
|
| 01/29/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a collections account that was purchased by XXXX XXXX XXXX for an collections account for XXXX. I have been paying XXXX XXXX XXXX and processed a settlement with them and Now I have William rush and associates calling me trying to collect on the same debt. I need validation on the debt with William Rush and associate, I need the original sign contract showing penalties that could possibly e applied to the org balance, papers showing the they are the legal of the owner of the debit. I have requested documentation and all they tell me is no, they will take me to court etc.
I need the William rush and associates account removed from my credit since I feel it is not a valid account
|
| 11/20/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.
|
| 10/29/2016 |
No |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
I have been told for the last 1-2 years by them that they were going to sue me and it was my last chance to pay it in full. 6 months later they call and say it again. They also had someone call me and my references claiming to be someone trying to serve me but they just ended up trying to convince me they would file a lawsuit the next day if I had n't payed. I told them to sue me and make sure I am served so I can come to court they told me they do n't have to serve me. They still never filed a suit against me. They have threatened wage garnishment on my husband whom I just married this year but never follow through. They are trying to scare and intimidate me with lies and false threats
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
XXXX XXXX, a company that I worked for, sent a loan that I took with them to attend a XXXX XXXX, to a lawyer group within a week or two of me leaving the company. That lawyer group then contacted me telling me I had to give them XXXX % up front, then pay {$250.00} a month, otherwise they would file a lien against my XXXX preventing me from being able to obtain a job using my XXXX. When I told the lawyer group, Will Rush, that I was unable to meet those terms, they said I should borrow money from someone in order to do so, because they were going to file the lien if I was unable to. The lawyer group refused to work on a reasonable repayment option with me.
|
| 07/16/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I didn't not sign a contracting agreeing for my creditors to sale my debit to a third party. I never did business with company saying I ow them money. They don't have the legal right to collect on debit. They never gave me a service. I need Williams associates to show me proof I ow them money. Needs to be removed off my credit score immediately. Never received a debit validation letter. It's hurting my credit score defamation of character. Stopping me from getting a house charging me higher interest rate this is extortion fraud I don't ow them money have no legal right to collect on debit don't ow them fair collection report act no illegal proof.
|
| 02/06/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. I've previously files a complaint ( XXXX ) against the company on XX/XX/2022 and filed several disputes where the collection was removed. I received a letter from them again attempt to collect a debt that is 8 years old. A copy of all the supporting documents will be attached with this complaint. Please advised if the company has violated my privacy rights so i can take legal actions against them.
|
| 11/19/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I believe the account is invalid. WILLIAMS RUSH & ASSOCIATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WILLRUSH ( Original Creditor : XXXX XXXX XXXX ) XXXX
|
| 05/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This item has been reporting on my credit unlawfully. I am attaching proof that I sent them a letter requesting that they prove that I owe them this debt the same proof that they are required to have under the law. I have received no response at all. No documents bearing my signature, and no proof that they can legally hold me accountable for this debt. This company is also committing identity theft as they have opened an account using my name without my consent. I have sent a letter to their XXXX and I am also contacting the FTC. My next move will be a lawsuit.
|
| 06/17/2020 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 @ XXXX est. I spoke with a representative form William rush about an inflated debt. I asked this debt collector to produce all documents of payment history, fees and how their company is saying that I owed the XXXX. I informed the representative that I was by law entitled to all documents. I also informed the representative that I have proof that I didnt owe as much as William rush is claiming I owe.The representative stated that she would email me all documents that I was asking for. I never received any documents.
|
| 08/06/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
|
| 01/07/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Collection showed up in my credit report. I have no knowledge of this account. I send the collection agency certified letters requesting validation of the debt on XX/XX/21, XX/XX/21. The collection agency has not answered any of my requests. I requested validation from XXXX. XXXX stated that the debt was validated by the collection agency. I have not received any validation from the collection agency or XXXX. The collection agency violated the 30 day rule to provide proof of ownership.
|
| 06/29/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received many calls from the debt collector stating I owe a balance that is false I tried to resolve the issue but even contacting the original Creditor Name XXXX XXXX XXXX XXXX they say the debt is coming from who also verified that I owe no balance of such at all in the matter and this should had never been send and also informed them to delete from credit file ad close account but I am still getting harassing calls on this matter that should had been removed and resolved.
|
| 04/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.
|
| 06/05/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Disputed a debt collection on my credit report regarding an account I have never opened nor have any knowledge of. I have requested written verification or any type of verification and have not received any response. When disputed, after a brief investigation, they simply responded that the debt was mine. As this is clearly not my debt coupled with the refusal to provide any documentation I demand this be removed from my report immediately.
|
| 06/13/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im accordance with the fair credit Reporting Act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
|
| 04/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.
|
| 04/06/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
I was contacted by XXXX XXXX about a debt she said I owed. She said in order for this debt to be sasitifed and not affect my CDL with the state of Texas I needed to pay XXXX dollars I told her not to contact me this was on XX/XX/XXXX I sent her a affidavit of identity theft and a police report in XX/XX/2018 as per FCRA 623 ( a ) ( 6 ) ( b ). And it is still on my credit report.
|
| 05/18/2020 |
No |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Hello, XXXX XXXX contacted me again this morning after I filed a complaint against Williams Rush and Associates about a year back to stop contacting me. Contact stopped. She started to harass myself, my friends, and my place of employment this morning. When I called her and asked her to stop, she attempted to talk over me. Im filing this complaint to cease calls again.
|
| 07/22/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have a collection account under my credit report who I do n't have any idea who the company his. I get harassment calls all the time and all days with treats. Telling me they going to take everything I owned and put me in jail. I get XXXX kids at home to feed and this calls scare me a little bit. I want this to stop especially from someone I do n't know.
|
| 05/01/2019 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received a phone call from debt collector who proceeded to threaten me that she would put a debt on my XXXX report about a debt that I explained to her was inaccurate and that I had the proof. She knows that putting that on my report as I am a XXXX XXXX would prevent me from being able to find a job and jeopardize employment with my current employer.
|
| 11/24/2021 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They called and spoke with my father about the debt. I retained an attorney and they agreed to settle out of court and delete the collection off my credit file. They are still paying me on the settlement but they refuse to take it off of my credit report. Everything was signed and agreed upon. I have attached documents.
|
| 03/21/2017 |
No |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
I took out a student loan to attend XXXX in XX/XX/2011, after deciding to withdraw from the program I cancelled the loan before it was disbursed, which in turn made me liable to the school for a bill/ loan I do n't feel obligated to pay since the school used misleading information to boost enrollment.
|
| 04/18/2022 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I received a call from Williams Rush & Associates. They stated I have a debt that I owe from XXXX. I asked for proof of this debt to be sent to me. He stated if I did not take care of this date now, it would be reported to the credit bureaus. It has now appeared on said reports.
|
| 06/03/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I requested that account be removed remove off of my file Iv requested validation of debt contract signature anything proving the debt is mine. and have not received anything in 120 days I have filed conplaint with FTC. By consumer law codes 15 US 1692. By law account has to be removed.
|
| 02/16/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NC the school got audited and had to close downover 400 people lost their commercial license I was one of those people I lost my due to this and Im still being told I have to pay my balance off https : XXXX Heres a link to the article
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving continuous calls even after I advised them to stop calling me. I have sent them a cease and desist letter which they have completely ignored. They have been leaving message and calling all hours of the day I feel this is now becoming harrassment.
|
| 07/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
William and rush associates offered me the pay for collection deletion. I paid off the collecion and and they sent me a letter that the account will be deleted from my credit report. And the account is still on my credit report effecting my credit score.
|
| 10/28/2021 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This company contacted me threatening to take legal actions and also pretending to be an attorney. I was being harassed in a time I was a day out of XXXX with XXXX XXXX in my XXXX. I was being told their a law company any I will be sued.
|
| 02/28/2021 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Never received orignal contract with my original signature stating I ow the account. Never received a debit validation letter they put the account on my XXXX account and messed up my credit score needs to be removed immediately
|
| 12/27/2020 |
No |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I sent certified letter with prove of delivery to the company to request the debt validation and to stop contact me .The company did not response to my request of the debt validation letter and the company also keeps call me.
|
| 01/20/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have requested that XXXX provide me with verification and validation but to no avail. This is not my debt and i never received any notice of this alleged debt. Now they continue to call and may threats
|
| 04/05/2021 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
WIlliam & Rush associate is a collection agency said i own them over {$6000.00} this wasn't on Credit account they are placing incorrect balance on my credit report
|
| 03/27/2022 |
No |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX i made a payment and the company is saying they never received it..
WILLIAMS RUSH & ASSOCI XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX ( XXXX ) XXXX
|
| 05/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
William, Rush, and Associates contacted me about someone elses account. They have left frequent messages and the debt does not involve me in any way.
|
| 03/17/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 07/23/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Credit report IS NOT REFLECTING THE DATE OF LAST ACTIVITY CORRECTLY date OF LAST CONTACT WITH CREDITOR WAS END OF XXXX BEGINNING OF XXXX
|
| 01/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was notified in writing by collection agency Will-Rush regarding debt and it showed up on my XXXX credit report.
|
| 01/21/2024 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2024 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2024 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/03/2024 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/28/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/25/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/23/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/18/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/04/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/28/2023 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/30/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/18/2023 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/10/2023 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 10/03/2023 |
No |
- Debt collection
- I do not know
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
Servicemember |
|
|
| 09/30/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/13/2023 |
No |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/08/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/01/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/24/2023 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/15/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/24/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 05/09/2023 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/21/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/05/2023 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/15/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/12/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/10/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/22/2022 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/11/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/14/2022 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2022 |
No |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/21/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 12/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/06/2021 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/12/2021 |
No |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/12/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/31/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 11/03/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/16/2020 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/22/2020 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/06/2020 |
No |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/02/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/22/2019 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 09/10/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 04/03/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/03/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/30/2018 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/29/2018 |
No |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 08/08/2018 |
No |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 08/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 04/13/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 04/09/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 03/10/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
|
| 11/03/2016 |
No |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Fax |
Servicemember |
|
|
| 11/02/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 08/09/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/09/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/02/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
Servicemember |
|
|
| 04/07/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/25/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/01/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
Servicemember |
|
|
| 06/11/2015 |
No |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/31/2015 |
No |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/14/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 04/17/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 02/26/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/25/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|