|
6711816
|
2023-03-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-17
|
| Complaint What Happened |
Attached is a copy of my explanation of benefits which shows that this has been paid.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5642887
|
2022-06-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-07
|
| Complaint What Happened |
Radiology Bill CXXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, IN XXXX Radiology and XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX called XXXX and advised this bill was paid by personal check. Provided the check # XXXX, date mailed XX/XX/XXXX and date the check was cashed XX/XX/XXXX in the amount of {$280.00} by med-payment.com. Was told they would look into the issue.
XX/XX/XXXX XXXX advised my complaint was received an escalation team XXXX advised they need a copy of the front and back of my check. I told XXXX that my bank can not provide me with this as the facility that billed me ( Radiology and XXXX XXXX at XXXX XXXX XXXX ) processed my check electronically. I provided proof of payment by way of a bank statement showing check # XXXX was cashed by check med-payment.com on XX/XX/XXXX in the amount of {$280.00}.
XX/XX/XXXX I emailed a complaint letter disputing the debt with proof of payment to XXXX.
XX/XX/XXXX I called XXXX and they said my claim is still being reviewed XX/XX/XXXX I mailed my complaint to XXXX with proof of payment XX/XX/XXXX received a voice mail and an email from RI supervisor XXXX XXXX saying they need a copy of the font and back of my check.
XX/XX/XXXX I responded by re-iterating all of the above XX/XX/XXXX received a call from XXXX at XXXX asking for copy of front and back of check. Again advised the same thing as above.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4968065
|
2021-12-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1850646
|
2016-03-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-03-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2765146
|
2017-12-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2017-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-27
|
| Complaint What Happened |
This debt does not belong to me as I have not been to the facility XXXX XXXX. This could be a result of my wallet being lost in XXXX?
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under theFair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of 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 is found or 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 you and your client for the following : Violation of the Fair Debt Collection Practices ActandDefamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Also include the release that was signed giving you access to my information.
Please provide the name and address of the bonding agent in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
|
| Consumer Consent Provided |
Consent provided
|
|
|
4687716
|
2021-09-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-02
|
| Complaint What Happened |
Finance systems is reporting several different accounts to my credit report. I have now sent 2 letters to this company requesting them to verify the debt and they refuse to respond. It is my right to request this information and they have now denied me of this 2 times. I even called to verify their address and they are very rude. I mailed my first request in XXXX and after no response I mailed another request on XX/XX/XXXX and I mailed it certified so I know it was received.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6674371
|
2023-03-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2924419
|
2018-06-01
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2018-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-01
|
| Complaint What Happened |
ive tried to explain to XXXX XXXX i am XXXX i get extra help because im XXXX.i have three types of insurance to cover everything so this is fraud i have XXXX XXXX and medicaid .this is simple and plain out fraud.and as i understand Virginia law this is past three yrs of original date.so that would mean they are violating the fair debt collection act an all chapters of it that may apply.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9531868
|
2024-07-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2024-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3418726
|
2019-10-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2019-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9854356
|
2024-08-19
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6480175
|
2023-01-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-24
|
| Complaint What Happened |
how are you reporting XXXX collections for the same account when i have XXXX?
see attached.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9675990
|
2024-08-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6389535
|
2023-01-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2023-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-04
|
| Complaint What Happened |
After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4314151
|
2021-04-21
|
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 |
Finance System of Richmond, 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 |
2021-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6408426
|
2023-01-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2023-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-25
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX$180.00} XXXX Collection agency : Finance system of rich
|
| Consumer Consent Provided |
Consent provided
|
|
|
4517703
|
2021-07-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-06
|
| Complaint What Happened |
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3446764
|
2019-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2019-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-21
|
| Complaint What Happened |
RADIOLOGY AND XXXX XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3426318
|
2019-11-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2019-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-02
|
| Complaint What Happened |
I paid the debt in full on XX/XX/2019. I was told it would take a up to a month to remove the derogatory mark on my credit. I have waited patiently and yet the mark still remains. I need this mark removed as soon as possible!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4561029
|
2021-07-21
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-09
|
| Complaint What Happened |
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX and I do not have a contract with FINANCE SYS plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$50.00}
|
| Consumer Consent Provided |
Consent provided
|
|
|
5138847
|
2022-01-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2764610
|
2017-12-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2017-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-26
|
| Complaint What Happened |
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3277250
|
2019-06-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-17
|
| Complaint What Happened |
This not my debt XXXX XXXX of XXXX XX/XX/2017
|
| Consumer Consent Provided |
Consent provided
|
|
|
2915862
|
2018-05-23
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2018-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-23
|
| Complaint What Happened |
I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXXXXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, finance system AND FINANCE SYSTEM of RICHMOND has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXXXXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
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| Consumer Consent Provided |
Consent provided
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2841376
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2018-03-13
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Written notification about debt
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Debt collection
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|
| Issue |
Written notification about debt
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| Timely |
Yes
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| Company |
Finance System of Richmond, Inc.
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| Product |
Debt collection
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| Sub Issue |
Didn't receive enough information to verify debt
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| Sub Product |
Medical debt
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| Date Received |
2018-03-13
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-03-27
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| Consumer Consent Provided |
Consent not provided
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4485457
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2021-06-23
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
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| Timely |
Yes
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| Company |
Finance System of Richmond, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Their investigation did not fix an error on your report
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| Sub Product |
Credit reporting
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| Date Received |
2021-06-23
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-06-23
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| Consumer Consent Provided |
Consent not provided
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|
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2813006
|
2018-02-13
|
Written notification about debt
|
Debt collection
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|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
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| Sub Product |
I do not know
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| Date Received |
2018-02-13
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-02-13
|
| Consumer Consent Provided |
Consent not provided
|
|
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4263182
|
2021-04-01
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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 |
Finance System of Richmond, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Their investigation did not fix an error on your report
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| Sub Product |
Credit reporting
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| Date Received |
2021-04-01
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-04-01
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| Consumer Consent Provided |
Consent not provided
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|
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2707839
|
2017-10-20
|
Written notification about debt
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Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
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| Sub Product |
I do not know
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| Date Received |
2017-10-20
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2017-10-20
|
| Consumer Consent Provided |
Consent not provided
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|
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4680305
|
2021-08-31
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Improper use of your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Improper use of your report
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| Timely |
Yes
|
| Company |
Finance System of Richmond, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2021-08-31
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-08-31
|
| Consumer Consent Provided |
Consent not provided
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3035980
|
2018-10-03
|
Attempts to collect debt not owed
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Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
Finance System of Richmond, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
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| Sub Product |
Medical debt
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| Date Received |
2018-10-03
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-10-03
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| Complaint What Happened |
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of 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 is found or 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 you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| Consumer Consent Provided |
Consent provided
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