|
5426928
|
2022-04-09
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6965689
|
2023-05-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2023-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3177363
|
2019-03-12
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Billing dispute for services
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1523620
|
2015-08-18
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Medical
|
| Date Received |
2015-08-18
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-27
|
| Consumer Consent Provided |
N/A
|
|
|
3650660
|
2020-05-13
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3284672
|
2019-06-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4323416
|
2021-04-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2021-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-23
|
| Complaint What Happened |
We placed an order with XXXX XXXX XXXX XXXX XXXX on XXXX for {$48.00}, my wife paid via XXXX . After we received the product we were contacted by the company asking for payment. We sent them the proof of payment from XXXX. Today we received a statement from a debit collector ( State Collection Service Inc ) stating that the account was now in collections. I gave the collections comany the XXXX proof of payment and was told that they would look into it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2197814
|
2016-11-07
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Medical
|
| Date Received |
2016-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-11-07
|
| Complaint What Happened |
I get a medical bills on my credit report who was already paid by my insurance still showing due and I start received some calls from collection agency about this debt who made some treated about this issue. I do n't have any knowledge about this issue and never received any last invoice from the office.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1896583
|
2016-04-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-26
|
| Complaint What Happened |
XXXX provides me with XXXX and other medical products and services. I am covered by medicare and I carry a medicare supplement to cover all co-pays, etc. I am XXXX % insured. XXXX claims unpaid balances from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They never asked me for payment. My first notice of this was thru the collection agency letter ( attached ) which arrived on XX/XX/XXXX. State Collection infers the possibility of referring my name to a credit bureau if I do not pay these amounts. I have spoken to Medicare and found that the only XX/XX/XXXX claim was paid in full on XXXX/XXXX/2014 and forwarded to XXXX XXXX XXXX XXXX for payment of the patient responsibility portion. XXXX claims that the XX/XX/XXXX and the XX/XX/XXXX bills were duplicate billings and were denied.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8322289
|
2024-02-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7777179
|
2023-10-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-29
|
| Complaint What Happened |
My problem is that State Collection Services XXXX XXXX, Wisconsin has not deleted a medical collection from my credit report even though it has been proven that XXXX had covered the bill of {$8200.00} in full. I am 100 % XXXX and the hospital made a mistake, whereas they took the collection back from State Collection Services in XX/XX/2023. The problem I have is that State Collection Services had no right to report a debt that was not 100 % confirmed was a debt at all. XXXX XXXX XXXX has confirmed that they took the collection back and were discharging the collection altogether. The collection must be removed permanently!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
8013412
|
2023-12-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-16
|
| Complaint What Happened |
I received this text on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : " Here is your acct info from XXXX. Visit XXXX XXXX XXXXXXXX or call XXXX. See details : XXXX XXXX stop to end '' Because of the deluge of spam by text and calls, I ignored the text and hesitated to follow the link because I thought it could be a scam. I did not receive any other notification other than the texts. I did contact the company after receiving an alert from my XXXX account that I had been reported to credit companies. They claimed that they usually send written notice but had no record of it being done.
I believe I was inadvertently sent to the debt collector, and I am addressing this with the facility I was billed by.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4511525
|
2021-07-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-07-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-02
|
| Complaint What Happened |
I sent a debt validation letter to State Collection Services Inc. at beginning of XX/XX/2021. State Collection Services IncXXXX failed to validate my debt. Instead on XX/XX/2021 they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never sign a HIPPA Form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2423164
|
2017-04-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2017-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
757168
|
2014-03-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2014-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-03-13
|
| Consumer Consent Provided |
N/A
|
|
|
6206046
|
2022-11-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2022-11-15
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-15
|
| Consumer Consent Provided |
N/A
|
|
|
9368845
|
2024-06-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4881748
|
2021-11-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6678134
|
2023-03-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-07
|
| Complaint What Happened |
I sent a certified letter and XXXX by regular mail requesting information on this debt. I also asked for proof of their authority to collect this debt and their license and bonding required to collect debts in Florida from a Florida resident.. The return receipt shows they received the letter on XX/XX/2023.
XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Collection on my Credit File Account Number : XXXX Amount : {$500.00} Account Number : XXXX Amount : {$1700.00} The {$500.00} collection was removed ; the {$1700.00} remains and no response from the collection agency.
Since I never received anything about this debt, I sent a second letter stating I had no knowledge of this account or debt, never was at the hospital and asked them to remove it. No response since through XXXX. I also called XXXX and was put on hold and disconnected.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4850004
|
2021-10-27
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2021-10-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-27
|
| Complaint What Happened |
I lost my son last year to an overdose. I admit there is a hospital bill. This company State Collection Services and their CEO have been issuing hits against my credit weekly over 6 times in XXXX alone for the same {$2200.00} doctors bill. The first 5 times they reported the account was in collection the amount owed was false.
I filed a dispute via XXXX and the amount was dropped over {$1000.00} only after XXXX did the research. XXXX agrees that there is not a real reasonable explanation for them to list this debt so many times a month ( sometime twice a week ) and they speculate that it is purely punitive in nature. I do not dispute the debt. I dispute their practice of making XXXXne bill seem as though it is late every week. This is not true misleading and to my understanding against the law. This week State Collections has reported the same debt " in collections '' twice to the three credit bureaus. I am requesting that you take action against this company and their CEO XXXX XXXX. In my opinion XXXX XXXX is human garbage for the way that he has treated me in this terrible time of my life.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5259463
|
2022-02-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-25
|
| Complaint What Happened |
I have no clue about this debt and this company STATE COLLECTION SERVI keeps writing and calling me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4142365
|
2021-02-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6678412
|
2023-03-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-10
|
| Complaint What Happened |
I have made attempts to resolve this including providing my insurance information. I was insured at the time this medical bill was incurred. The other accounts that were placed in collections with another agency were removed because I was indeed insured at the time and they were covered services as is this. I have also tried to settle the account with the agency because they are reporting it on by credit report with no resolve.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3101170
|
2018-12-15
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2018-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-15
|
| Complaint What Happened |
This complaint is based on violations of the FDCPA and the FCRA by State Collection Service ( SCS ).
___ On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by SCS regarding an alleged medical debt. I was never aware of this account so I had no opportunity to dispute the debt until this point.
___ On XX/XX/2018, I disputed the debt directly with SCS in writing. In my dispute, I included the very same form letter provided on the website of the CFPB for consumers to request validation of debt.
___ SCS received my letter on XX/XX/2018 via certified mail.
___ In my letter, I instructed SCS to cease collection of the debt until it was validated.
___ In my letter, I advised SCS that I intended to dispute the account thru the credit reporting agencies, and that if they verify the account to any credit reporting agency prior to validating the debt, then this would be a violation of the FDCPA for failing to cease collection of the debt.
___ On XX/XX/2018, I disputed the account thru the credit reporting agencies. My dispute included that I had no knowledge of the account, and that [ SCS ] failed to validate the debt as required by the [ CFPB ].
___ Between the dates of XX/XX/2018 and XX/XX/2018, I received the results of the investigation from the credit reporting agencies, where SCS failed to cease collection of the debt because they falsely verified the account thru the credit reporting agencies.
___ At no time did SCS validate the debt or provide the answers and materials set forth in the form letter as provided from the website of the CFPB.
___ Based on the aforementioned facts ( and supported by the attached Exhibit ), SCS engaged in following violations of the FDCPA and FCRA : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they failed to validate the debt and have continued collection activity thru use of the credit reporting system.
___ ( b ) Violation of the FDCPA 15 USC 1692 ( e ) in that they have taken action that can not legally be taken.
___ ( c ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt.
___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.
___ ( e ) Violation of the FCRA 15 USC 1681c ( a ) ( 6 ) ( A ) in that they published the name of a medical provider on my credit report.
___ ( f ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies.
___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit bureaus.
___ ( h ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2815127
|
2018-02-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2018-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2872732
|
2018-04-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2018-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-11
|
| Complaint What Happened |
STATE COLLECTION SERVICE IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!. I believe it's also a violation of the HIPPA ACT by placing my medical information on a credit report!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3352529
|
2019-08-25
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2019-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-25
|
| Complaint What Happened |
After several years of not monitoring my credit reports, I finally requested a copy of my XXXX, XXXX and XXXX XXXX credit reports in XX/XX/2019, where I first noted a collection account present from the State Collection Services/XXXX XXXX Hospital ( XXXX ). I didnt know that there was a bill, as I have never received any billing or notification from these companies saying that this amount was owed. I was shocked to see that they said I owed {$4700.00} on my credit reports and that it was in collections.
On XX/XX/2019, I wrote the State Collection Services/XXXX, requesting them to validate this debt and sent the request via certified mail with return receipt. The State Collection Services/XXXX did not send a response, to my request, to validate the debt. Since I was never given a billing statement or any information to validate this debt, I wrote letters to XXXX, XXXX and XXXX XXXX requesting this collection to be removed from my credit reports, to no avail. The only change that I saw was made by the State Collection Services/XXXX, was ONLY to update the balance date and update the status date to the following month on my credit reports. Updating the dates was not enough as I needed to be able to validate this debt! My USPS tracking number XXXX indicates that the validate debt letter was delivered and accepted on : XX/XX/2019 at XXXX XXXX Delivered, Individual Picked Up at Postal Facility XXXX, WI XXXX As a consumer, I have the right to receive proper notification of debts to review before I pay any bill. I have not received ANY billing notification or validation of debt letter from the State Collection Services/XXXX and my rights have been impinged upon, as we all are protected by the Fair Debt Collection Practices Act. Please have this collection removed from my XXXX, XXXX and XXXX XXXX credit reports. The information in this letter is true and real and I appreciate any help in removing this collection from my credit reports. Thank you.
I have tried to upload 4 Word documents into this report and CFPB 's system will not accept them. I have also tried to find a customer service phone number to report this problem and I can not find a phone number that gets me to a person. I am now going to copy and paste my request to validate the debt letter as follows : XX/XX/2019 STATE COLLECTION SERVICE XXXX XXXX XXXX XXXX, WI XXXX Re : XXXX XXXX Hospital To Whom It May Concern : I am writing this letter in response to our phone conversation on XX/XX/2019. In conformance to my rights under the Fair Debt Collection Practices Act, I am requesting you to provide me with a validation of the debt that we spoke of. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ).
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.
2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Valid copies of the debt agreement stating the amount of the debt, breakdown of the charges and interest charges.
4. Proof that the Statute of Limitations has not expired.
5. Complete payment history on this account along with an accounting of all additional charges being assessed.
6. Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank you for your help in this matter.
Sincerely,
|
| Consumer Consent Provided |
Consent provided
|
|
|
2062745
|
2016-08-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-08-15
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-16
|
| Consumer Consent Provided |
N/A
|
|
|
5513428
|
2022-04-29
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4290821
|
2021-04-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-12
|
| Complaint What Happened |
I have contacted all three reporting agencies several times through online as well as state collection also disputed. I have tried to resolve as soon as they were added but numbers are disconnected & I can not get anywhere with XXXX or XXXX they say its not me? I have had enough back and forth & no one is doing anything about it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3532348
|
2020-02-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
State Collection Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2020-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-14
|
| Consumer Consent Provided |
Consent not provided
|
|
