|
11215402
|
2024-12-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Other debt
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
|
|
6585882
|
2023-02-17
|
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 |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| 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 |
2023-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I currently have a medical debt under {$500.00} with Credit Collection USA. I have disputed this debt with the XXXX, XXXX, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6639082
|
2023-03-02
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2023-03-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The apartment complex where we lived before our current address sold a debt to a collection agency related to the rental agreement for the apartment. This contract was in my name and my husband 's name. The amount is XXXX for alleged unproven damage to the apartment after the lease ended. The collection agency is attempting to collect the full amount of the debt {$1200.00} in double form. XXXX to my husband and XXXX to me. And reported this debt to all three credit bureaus as two separate accounts when it comes to a single lease signed by my husband and me. I have disputed this error in the three credit agencies without success, this debt remains in my credit history in the three agencies.
My husband did too, XXXX removed the debt from his credit history, but the other two agencies XXXX and XXXX did not.
The document that the collection agency sent to support the debt is only in my husband 's name.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5770383
|
2022-07-14
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XXXX XXXX, I wsa notified by my XXXX XXXX app I ad a debt collection reported on my XXXX. Upon checking my credit report on XXXX, I noted a debt reported from XXXX XXXX XXXX. I XXXX that information and found it belong to XXXX XXXX XXXX XXXX XXXX XXXX. I called multiple times and on Wednesday XXXX XXXX I was able to speak with a collection manager there. She stated they sent a medical bill out multiple times to an address in XXXX XXXX, FL. I told her that is an old address, and that my most recent receipt of co-payment of {$5.00} on XXXX XXXX receipt # XXXX reflected my current XXXX, FL address, so I was confused as to why she would then send a bill in XX/XX/XXXX of XXXX to the wrong and old address in XXXX XXXX, FL. She was apologetic, and stated they turned it over in XXXX, XXXX less than XXXX later to a collection agency named " Credit collections USA '' and gave me there number. She wrote an email explaining the error of address to them as well. I called Credit Coll USA this morning XXXX XXXX, and initially they are refusing to delete the debt. I notified them I had not recieved correspondence of my consumer rights nor an itemized bill from them or the dental school as a result of the wrong address so the collections was incorrectly reported and Id like it removed. The collections company then stated I could pay in full the debt today and they will remove it 30 days later, but are refusing to provide me a written agreement of that. I reaced out to a lawyer who suggest I file HIPPA against XXXX XXXX XXXX, and write a consumer complaint against the collection agency for incorrectly reported debt, failure to provide me with a statement of consumer rights, failure to correctly contact about debt, HIPPA violation, failure to supply with itemized bill to prove debt is mine, and failure to provide written agreement and false promises to remove debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5679977
|
2022-06-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2022-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA 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 XXXX 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 CREDIT COLL/USA 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 XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4315728
|
2021-04-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
4248908
|
2021-03-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2021-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA 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 CREDIT COLL/USA 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. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3120049
|
2019-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-01-09
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2966553
|
2018-07-18
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-07-18
|
| Submitted Via |
Referral
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-18
|
| Consumer Consent Provided |
N/A
|
|
|
2800370
|
2018-02-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2018-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2477452
|
2017-05-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2017-05-06
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-15
|
| Complaint What Happened |
CREDIT COLLECTIONS USA ACCT NUMBER XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX I HAVE REPEATEDLY MADE REQUESTS FOR WHAT AND WHO IS THIS FOR. NO INFO AVAILABLE. XXXX 2012 ? DISPUTED THRU XXXX AND XXXX . STILL NO EXPLANATION. NO IDEA WHAT THIS IS. NO RESPONSE FROM ANYONE. WHAT THE XXXX ?
|
| Consumer Consent Provided |
Consent provided
|
|
|
3016340
|
2018-09-11
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2018-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On or about XX/XX/2018, I received a phone call from Credit Collections USA about a debt for XXXX. I requested information about the alleged debt and was told I needed to pay. I again requested information and their representative requested my social security number. I refused to provide that information. She stated they would mail me a statement, I never received one. Then I received an alert on my credit report and it was for Credit Collections USA. I called the telephone number listed and verbally requested information about the account, the representative again did not provide any information. I asked if I needed an attorney and she stated they could not talk to me since I had an attorney. On or about XX/XX/2018, I sent them a letter stating I had no attorney and would like information about this account. On or about XX/XX/2018, I sent them a letter requesting validation and did not receive anything. I again sent them a letter requesting validation and received a copy of a copy of a bill from company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2549296
|
2017-06-13
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2017-06-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-14
|
| Complaint What Happened |
I tries calling this company to negociate the debt and was advised that if I dont pay the debt in full b y XX/XX/XXXX the debt will be reported to the credit, I tried to get a payment arrangement, and they told me that a payment arrangement will not stop the debt from hurting my credit, I think this is unfair because I am willing to negociate and make payments, I felt threatened by this. I spoke with supervis or XXXX XXXX on XXXX XXXX XXXX around XXXX XXXX EST.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1521047
|
2015-08-16
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Medical
|
| Date Received |
2015-08-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2647190
|
2017-08-14
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2017-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1301393
|
2015-03-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-03-25
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1755631
|
2016-01-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-01-25
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-05
|
| Consumer Consent Provided |
N/A
|
|
|
2244008
|
2016-12-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-12-10
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-13
|
| Consumer Consent Provided |
N/A
|
|
|
1528245
|
2015-08-20
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Medical
|
| Date Received |
2015-08-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-31
|
| Consumer Consent Provided |
N/A
|
|
|
2632359
|
2017-08-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have asked over and over for verification of debt and all accuracies of it several times and i have yet to receive verifications ... this is reporting on all 3 credit bureaus and i Have askes for it to be removed months ago and its still there despite my multiple requests and complaints ... i have no knowledge of this collection i have written company certified also over month n half ago still no responses
|
| Consumer Consent Provided |
Consent provided
|
|
|
3699578
|
2020-06-15
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2020-06-15
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3840862
|
2020-09-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2020-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I checked my credit and saw a collection from credit collections USA for XXXX XXXX XXXX in the amount of {$430.00}. I never received any notice of dispute for this item, especially since I was homeless at the time of the service and made sure to make the clinic aware of no medical coverage. I have obtained a PT job and would like to pay {$200.00} to settle and delete this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3000897
|
2018-08-24
|
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 |
Credit Collections U.S.A., L.L.C.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3019757
|
2018-09-14
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted you after you asked them to stop
|
| Sub Product |
Medical debt
|
| Date Received |
2018-09-14
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-20
|
| Consumer Consent Provided |
Other
|
|
|
3669140
|
2020-05-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2020-05-26
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
1306833
|
2015-03-30
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2015-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-21
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
1252580
|
2015-02-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2015-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-23
|
| Consumer Consent Provided |
N/A
|
|
|
1558293
|
2015-09-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2015-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-16
|
| Complaint What Happened |
credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2479568
|
2017-05-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-05-09
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-17
|
| Complaint What Happened |
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
|
| Consumer Consent Provided |
Consent provided
|
|
|
2278069
|
2017-01-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2017-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-15
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2757758
|
2017-12-17
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Credit Collections U.S.A., L.L.C.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2017-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Spring XXXX I paid a medical office a 6 month old balance that was due. I was never notified by the medical office that the account was in process of being sent to collections or was ever in collections. Paid the debt to the originator without any issue. A few days later, I received a highly abusive and manipulative letter from Credit Collections USA. It was written in all caps and sarcastic. It was threatening and insulting. Further the letter actually advised me to go to a bank, lie and take out a loan for " house repairs, student expenses, etc '' but to actually use it for the implied debt. Not only did I no longer owe the debt, I was astonished at the wording of the bill. Very disrespectful, abusive, and illegal. I contacted the doctors office, and they apologized profusely that the debt was newly sent or in process of being sold to collections, and the medical office then attempted to contact the debt collection company to notify them the debt is n't valid anymore ( as it was paid ), and cease their tactics. Credit Collections USA continues to harass me, and report on this debt in an effort to manipulate me to pay them off. The doctors office and I are n't sure why this company insists on reporting on a invalid debt. Unfortunately for months I have received nothing but threats and harmful actions from the collections company. They call me from blocked numbers, and different numbers demanding I pay them. Upon further review and investigation, I realized the debt they are attempting to collect is n't even mine, as the dates of delinquency and other details are severely inaccurate. They must have me confused with another, or someone is using my old information and debts to collect on- fraud. Credit collections USA is knowingly using an old, outdated, once valid debt owed that was paid to the Originator, and doctored/fudged the details to attempt to collect money from me. I 've tried to no avail to discuss this with them, but have received nothing less of serious verbal abuse and threats while they demand I pay them to have it removed. What they are reporting is grossly inaccurate. Even though their claim is entirely invalid as is their details on my credit report. They are XXXX mailing me. They have placed defaming notes and updates on my report when disputed, and ca n't be stopped from their damage. I have been a victim of IRS identity theft from XXXX and additionally am a victim of XXXX data breech. I have requested that they remove their inaccurate and invalid debt from XXXX as it is fraudulent. Credit Collections USA refuses to comply with FCRA laws, shows no integrity, no ethics, and has provided literally no legitimate, relevant, or recent proof to their claim of debt. This debt does n't exist. The type, information reported, and dates of delinquency are false. I 've never had an account with them, never owed any debt with the information Credit Collections USA are reporting. There was once a valid debt similar to the claim that Credit Collections USA is attempting to collect on, but that debt is paid in full to originator. Credit Collections USA has bought an old claim and fraudulently reporting on it in and attempt to collect. I want it removed immediately and blocked from my XXXX report, and I will continue to persist in holding this collections company legally responsible and accountable for their illegal harmful actions until it removed. I have all documents to support my case, including XXXX 's abusive letter. I have all records of any relevant or similar debt that XXXX has copied and used as black mail for payment. There is no ethical reason for this company to continue pursuing and fighting my efforts to have this removed- more than 14 disputes with Equifax XXXX Even though the debt is n't valid. XXXX has told me they will continue to update Equifax against me until I pay them money. CFPB should hold this company entirely accountable for their abusive and illegal actions.
|
| Consumer Consent Provided |
Consent provided
|
|
