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  5. ALCHRO, INC.

ALCHRO, INC.

Company Details

Entity Name: ALCHRO, INC.
Jurisdiction: FLORIDA
Filing Type: Florida Profit Corporation
Status: Inactive
Date Filed: 27 Oct 1986 (38 years ago)
Date of dissolution: 22 Sep 2023 (a year ago)
Last Event: ADMIN DISSOLUTION FOR ANNUAL REPORT
Event Date Filed: 22 Sep 2023 (a year ago)
Document Number: J40269
FEI/EIN Number 59-2760228
Address: 3440 HOLLYWOOD BLVD, Suite 415, HOLLYWOOD, FL 33021
Mail Address: 3440 HOLLYWOOD BLVD, Suite 415, HOLLYWOOD, FL 33021
ZIP code: 33021
County: Broward
Place of Formation: FLORIDA

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
ALCHRO, INC. PROFIT SHARING PLAN 2013 592760228 2014-04-16 ALCHRO, INC. 4
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1998-01-01
Business code 561440
Sponsor’s telephone number 9543322628
Plan sponsor’s DBA name FIRST FEDERAL CREDIT & COLLECTIONS
Plan sponsor’s mailing address P.O. BOX 813787, HOLLYWOOD, FL, 33021
Plan sponsor’s address 3440 HOLLYWOOD BLVD. #415, HOLLYWOOD, FL, 33021

Number of participants as of the end of the plan year
Active participants 0
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0
Deceased participants whose beneficiaries are receiving or are entitled to receive benefits 0
Number of participants with account balances as of the end of the plan year 0
Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 0

Signature of
Role Plan administrator
Date 2014-04-16
Name of individual signing MIRYAM ROSENBERG
Valid signature Filed with authorized/valid electronic signature
ALCHRO, INC. PROFIT SHARING PLAN 2012 592760228 2013-05-21 ALCHRO, INC. 7
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1998-01-01
Business code 561440
Sponsor’s telephone number 9543322628
Plan sponsor’s DBA name FIRST FEDERAL CREDIT & COLLECTIONS
Plan sponsor’s mailing address P.O. BOX 813787, HOLLYWOOD, FL, 33021
Plan sponsor’s address 3440 HOLLYWOOD BLVD. #415, HOLLYWOOD, FL, 33021

Number of participants as of the end of the plan year
Active participants 4
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0
Deceased participants whose beneficiaries are receiving or are entitled to receive benefits 0
Number of participants with account balances as of the end of the plan year 4
Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 0

Signature of
Role Plan administrator
Date 2013-05-21
Name of individual signing MIRYAM ROSENBERG
Valid signature Filed with authorized/valid electronic signature
ALCHRO, INC. PROFIT SHARING PLAN 2011 592760228 2012-07-13 ALCHRO, INC. 7
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1998-01-01
Business code 561440
Sponsor’s telephone number 9543322628
Plan sponsor’s DBA name FIRST FEDERAL CREDIT & COLLECTIONS
Plan sponsor’s mailing address P.O. BOX 813787, HOLLYWOOD, FL, 33021
Plan sponsor’s address 6099 STIRLING ROAD #215, DAVIE, FL, 33314

Plan administrator’s name and address
Administrator’s EIN 592760228
Plan administrator’s name ALCHRO, INC.
Plan administrator’s address P.O. BOX 813787, HOLLYWOOD, FL, 33021
Administrator’s telephone number 9543322628

Number of participants as of the end of the plan year
Active participants 4
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 3
Deceased participants whose beneficiaries are receiving or are entitled to receive benefits 0
Number of participants with account balances as of the end of the plan year 7
Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 0

Signature of
Role Plan administrator
Date 2012-07-13
Name of individual signing MIRYAM ROSENBERG
Valid signature Filed with authorized/valid electronic signature
ALCHRO, INC. PROFIT SHARING PLAN 2010 592760228 2011-06-01 ALCHRO, INC. 6
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1998-01-01
Business code 561440
Sponsor’s telephone number 9543322628
Plan sponsor’s DBA name FIRST FEDERAL CREDIT & COLLECTIONS
Plan sponsor’s mailing address P.O. BOX 813787, HOLLYWOOD, FL, 33021
Plan sponsor’s address 6099 STIRLING ROAD #215, DAVIE, FL, 33314

Plan administrator’s name and address
Administrator’s EIN 592760228
Plan administrator’s name ALCHRO, INC.
Plan administrator’s address P.O. BOX 813787, HOLLYWOOD, FL, 33021
Administrator’s telephone number 9543322628

Number of participants as of the end of the plan year
Active participants 6
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 1
Deceased participants whose beneficiaries are receiving or are entitled to receive benefits 0
Number of participants with account balances as of the end of the plan year 7
Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 0

Signature of
Role Plan administrator
Date 2011-06-01
Name of individual signing MIRYAM ROSENBERG
Valid signature Filed with authorized/valid electronic signature

Agent

Name Role Address
Rolnik, Miryam Agent 3440 HOLLYWOOD BLVD, Suite 415, HOLLYWOOD, FL 33021

President

Name Role Address
ROLNIK, MIRYAM President- CEO President 1940 Harrison Street, Suite 202 Hollywood, FL 33020

Chief Executive Officer

Name Role Address
ROLNIK, MIRYAM President- CEO Chief Executive Officer 1940 Harrison Street, Suite 202 Hollywood, FL 33020

Secretary

Name Role Address
Rosenberg, Faye Secretary 3440 HOLLYWOOD BLVD, Suite 415 HOLLYWOOD, FL 33021

Fictitious Names

Registration Number Fictitious Name Status Filed Date Expiration Date Cancellation Date Mailing Address
G20000059754 FIRST ACTIVE 2020-05-29 2025-12-31 No data 1940 HARRISON STREET, SUITE 202, HOLLYWOOD, FL, 33020
G19000102426 FIRST FEDERAL CREDIT & COLLECTIONS EXPIRED 2019-09-18 2024-12-31 No data 1940 HARRISON STREET, SUITE 202, HOLLYWOOD, FL, 33020
G15000053201 FIRST FEDERAL CREDIT & COLLECTIONS ACTIVE 2015-06-01 2025-12-31 No data PO BOX 813787, HOLLYWOOD, FL, 33081

Events

Event Type Filed Date Value Description
ADMIN DISSOLUTION FOR ANNUAL REPORT 2023-09-22 No data No data
CHANGE OF PRINCIPAL ADDRESS 2022-01-06 3440 HOLLYWOOD BLVD, Suite 415, HOLLYWOOD, FL 33021 No data
CHANGE OF MAILING ADDRESS 2022-01-06 3440 HOLLYWOOD BLVD, Suite 415, HOLLYWOOD, FL 33021 No data
REGISTERED AGENT ADDRESS CHANGED 2022-01-06 3440 HOLLYWOOD BLVD, Suite 415, HOLLYWOOD, FL 33021 No data
REGISTERED AGENT NAME CHANGED 2018-12-18 Rolnik, Miryam No data

Documents

Name Date
ANNUAL REPORT 2022-01-06
ANNUAL REPORT 2021-01-08
ANNUAL REPORT 2020-01-29
ANNUAL REPORT 2019-02-05
AMENDED ANNUAL REPORT 2018-12-18
ANNUAL REPORT 2018-01-19
ANNUAL REPORT 2017-01-10
ANNUAL REPORT 2016-03-08
ANNUAL REPORT 2015-01-07
ANNUAL REPORT 2014-02-26

CFPB Complaint

Complaint Id Date Received Issue Product
11170359 2024-12-16 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was paid
Sub Product Medical debt
Date Received 2024-12-16
Submitted Via Web
Company Response Untimely response
Consumer Disputed N/A
Date Sent To Company 2024-12-16
11030233 2024-12-04 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely No
Company ALCHRO INC.
Product Credit reporting or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2024-12-04
Submitted Via Web
Company Response Untimely response
Consumer Disputed N/A
Date Sent To Company 2024-12-04
Complaint What Happened I am writing to formally address a serious concern regarding FIRST FEDERAL CREDIT, a debt collector, which has been reporting my private medical information to consumer reporting agencies without my consent. This action is in direct violation of several federal regulations, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and other applicable laws. As a debt collector, FIRST FEDERAL CREDIT is legally obligated to adhere to these regulations ; however, this entity 's actions are in clear violation of these legal requirements. Specifically, this debt collector has no legal authority to transmit my federally protected information to any third party without my explicit authorization to do so. Furthermore, I have not received the required Debt Collectors Initial Communication ( Notice of Debt ) nor any verification or legal correspondence confirming consent or legal authorization for FIRST FEDERAL CREDIT to report my information. Under 15 U.S.C. 1692g ( a ), when a debt collector first contacts a consumer, they are required to send a written notice within 5 days of initial communication. As FIRST FEDERAL CREDIT is a debt collector, they are obligated to verify the debt by providing proof of the debt or a copy of the judgment ( if applicable ). However, FIRST FEDERAL CREDIT has failed to do so and continues to report unverified debt to the Consumer Reporting Agencies without any legal right to do so. In addition to the above, FIRST FEDERAL CREDIT is civilly liable for violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k, which may result in : Actual Damages : FIRST FEDERAL CREDIT is responsible for any actual damages I have suffered as a result of their non-compliance, including emotional distress and financial harm. Statutory Damages : I may be entitled to statutory damages as specified under the FDCPA. Attorneys Fees and Court Costs : I reserve the right to seek attorney 's fees and court costs should I pursue legal action. Civil Penalties : In some cases, the court may impose additional civil penalties for willful violations or failure to comply with the FDCPA
Consumer Consent Provided Consent provided
7223826 2023-07-08 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 No
Company ALCHRO INC.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Was not notified of investigation status or results
Sub Product Credit reporting
Date Received 2023-07-08
Submitted Via Web
Company Response Untimely response
Consumer Disputed N/A
Date Sent To Company 2023-07-08
Consumer Consent Provided Consent not provided
5779489 2022-07-17 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company ALCHRO INC.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account status incorrect
Sub Product Credit reporting
Date Received 2022-07-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-07-17
Complaint What Happened XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. First Fed Credit & Col {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance. XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Consumer Consent Provided Consent provided
4817006 2021-10-17 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 ALCHRO INC.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Was not notified of investigation status or results
Sub Product Credit reporting
Date Received 2021-10-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-10-17
Complaint What Happened XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
Consumer Consent Provided Consent provided
3733718 2020-07-07 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was result of identity theft
Sub Product I do not know
Date Received 2020-07-07
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-07-17
Consumer Consent Provided Consent not provided
4120253 2021-02-05 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt is not yours
Sub Product Medical debt
Date Received 2021-02-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-02-10
Consumer Consent Provided Consent not provided
5623549 2022-06-01 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product Medical debt
Date Received 2022-06-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-06-01
Complaint What Happened First Federal Credit & Collections of XXXX, Fl ( XXXX phone ) sent me a collection letter for amounts owed to a medical provider I did not contract nor recognized. I disputed the matter in a letter on XX/XX/2022. After about 60 days I did not receive a response and learned the account had been reported to the credit bureaus without a response from First Federal. In speaking with an agent of theirs on XX/XX/XXXX he indicated mail was not being reviewed at the office and that I should go to the company 's offices in person, which I believe is not industry practice nor reasonable during a pandemic. If the company is not responding to dispute letters how is a consumer to pursue his/her rights under the consumer protection laws? Now I face having my credit history tainted by this company 's failure to follow CFPB/FCRPA rules and requirements.
Consumer Consent Provided Consent provided
3650354 2020-05-13 Took or threatened to take negative or legal action Debt collection
Issue Took or threatened to take negative or legal action
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Threatened or suggested your credit would be damaged
Sub Product Medical debt
Date Received 2020-05-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-05-13
Complaint What Happened On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected. On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years. On XX/XX/XXXX, I e-mailed FFCC a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX. FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine. FFCC is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}. I am filing this complaint against FFCC to resolve this issue as soon as possible.
Consumer Consent Provided Consent provided
2842908 2018-03-14 Took or threatened to take negative or legal action Debt collection
Issue Took or threatened to take negative or legal action
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Threatened or suggested your credit would be damaged
Sub Product Medical debt
Date Received 2018-03-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-03-14
Complaint What Happened I am willing to pay the XXXX dollars to erase the account of my credit but they must send a letter where they say they are going to erase the account as soon as they receive the payment.
Consumer Consent Provided Consent provided
2697296 2017-10-10 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was result of identity theft
Sub Product I do not know
Date Received 2017-10-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-10-10
Complaint What Happened XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer Consent Provided Consent provided
2697283 2017-10-10 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was result of identity theft
Sub Product I do not know
Date Received 2017-10-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-10-10
Complaint What Happened XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX & XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX & XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer Consent Provided Consent provided
2904772 2018-05-12 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product Credit card debt
Date Received 2018-05-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-05-12
Complaint What Happened XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer Consent Provided Consent provided
2842885 2018-03-14 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product Medical debt
Date Received 2018-03-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-03-14
Complaint What Happened On XX/XX/2018 I contact them by written letter to paid for deleted that account of my credit report they never answer me.
Consumer Consent Provided Consent provided
3042324 2018-10-10 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt is not yours
Sub Product I do not know
Date Received 2018-10-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-10-16
Complaint What Happened I previously opened a complaint on this company on XX/XX/18. The complaint # was XXXX. Here is what I indicated : The company XXXX XXXX XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life. The company responded with the following on XX/XX/18 : Due to XXXX regulations, we are unable to provide consumer with account information. She disputed account through credit bureaus and the account was verified as all the information matched. The consumer may contact XXXX at XXXX ext XXXX to obtain an itemized bill for the charges. ********************* I have called this company on numerous occasions and have yet to get someone to answer the phone. I did a web search on this company and every review has the same response that they will not answer the phone. I question the legitimacy of this company. I called the extension listed and the phone continued to ring for an " XXXX '' that never answers the phone. I tried selecting other extensions and still no answer. At this point I am really fed up and I want this issue to be resolved. They refuse to remove the item from my credit report but they can't even pick up a phone.
Consumer Consent Provided Consent provided
2767307 2017-12-29 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt is not yours
Sub Product Medical debt
Date Received 2017-12-29
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-12-29
Complaint What Happened This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.
Consumer Consent Provided Consent provided
2754349 2017-12-14 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was paid
Sub Product Medical debt
Date Received 2017-12-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-12-14
Complaint What Happened I Had Health Insurance With My Current Employer At This Time!!!
Consumer Consent Provided Consent provided
2586512 2017-07-26 Written notification about debt Debt collection
Issue Written notification about debt
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product I do not know
Date Received 2017-07-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-07-26
Consumer Consent Provided Consent not provided
1278243 2015-03-11 Disclosure verification of debt Debt collection
Issue Disclosure verification of debt
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Not given enough info to verify debt
Sub Product Medical
Date Received 2015-03-11
Submitted Via Postal mail
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-03-30
Consumer Consent Provided N/A
2855294 2018-03-27 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company ALCHRO INC.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2018-03-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-03-27
Complaint What Happened Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!
Consumer Consent Provided Consent provided
1400657 2015-06-01 Cont'd attempts collect debt not owed Debt collection
Issue Cont'd attempts collect debt not owed
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt is not mine
Sub Product Medical
Date Received 2015-06-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-06-01
Complaint What Happened I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Consumer Consent Provided Consent provided
1856436 2016-03-30 Cont'd attempts collect debt not owed Debt collection
Issue Cont'd attempts collect debt not owed
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt is not mine
Sub Product Other (i.e. phone, health club, etc.)
Date Received 2016-03-30
Submitted Via Postal mail
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-04-01
Consumer Consent Provided N/A
3721980 2020-06-30 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company ALCHRO 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 2020-06-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-06-30
Consumer Consent Provided Consent not provided
3345398 2019-08-17 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was already discharged in bankruptcy and is no longer owed
Sub Product Medical debt
Date Received 2019-08-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-08-17
Complaint What Happened the debt is outdated its more than 7 years old. i made the dept collection agency aware of this and was told that they were still going to enforce the debt and attempt to collect. I have disputed this before and they continue to verify it as valid and continue to report it to the credit reporting agency as such and told me im better off just paying them
Consumer Consent Provided Consent provided
2777862 2018-01-10 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product Medical debt
Date Received 2018-01-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-01-10
Complaint What Happened I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
Consumer Consent Provided Consent provided
1962061 2016-06-09 Cont'd attempts collect debt not owed Debt collection
Issue Cont'd attempts collect debt not owed
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt is not mine
Sub Product Medical
Date Received 2016-06-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-06-09
Consumer Consent Provided Consent not provided
2725246 2017-11-09 Written notification about debt Debt collection
Issue Written notification about debt
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Didn't receive notice of right to dispute
Sub Product Medical debt
Date Received 2017-11-09
Submitted Via Postal mail
Company Response Untimely response
Consumer Disputed N/A
Date Sent To Company 2017-11-09
Consumer Consent Provided N/A
3610440 2020-04-17 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was result of identity theft
Sub Product Medical debt
Date Received 2020-04-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-04-17
Consumer Consent Provided Consent not provided
2849764 2018-03-21 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company ALCHRO INC.
Product Debt collection
Sub Issue Debt was paid
Sub Product Medical debt
Date Received 2018-03-21
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-03-21
Consumer Consent Provided Consent not provided
1644789 2015-11-07 Incorrect information on credit report Credit reporting
Issue Incorrect information on credit report
Timely No
Company ALCHRO INC.
Product Credit reporting
Sub Issue Public record
Date Received 2015-11-07
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-11-09
Consumer Consent Provided Consent not provided
2248206 2016-12-14 Disclosure verification of debt Debt collection
Issue Disclosure verification of debt
Timely No
Company ALCHRO INC.
Product Debt collection
Sub Issue Right to dispute notice not received
Sub Product Medical
Date Received 2016-12-14
Submitted Via Web
Company Response Untimely response
Consumer Disputed No
Date Sent To Company 2016-12-14
Complaint What Happened I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.
Consumer Consent Provided Consent provided

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Date of last update: 04 Feb 2025

Sources: Florida Department of State

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